Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q2 FY26 Earnings Presentation
51 slides from Rbl Bank's earnings presentation, Oct 18, 2025
Slide 1: Investor Presentation Quarter Ended September 30, 2025
Investor Presentation Quarter Ended September 30,2025 October 18,2025
Slide 2: Disclaimer
Disclaimer By attending the meeting / telephonic call where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the “Company”) for use in presentations by
Slide 3: Key Highlights
Key Highlights • Net Profit was Rs. 179 crore for Q2 FY26 Operating • Net Interest Income (NII) for Q2 FY26 grew 5% QoQ to Rs. 1,551 crore; NIM was 4.51% Performance • Core Fee Income for Q2 FY26 grew 17% QoQ to Rs. 926 crore • Operating Profit for Q2 FY26 grew 4% QoQ to Rs. 728 crore • Advances gre
Slide 4: Financial Performance Summary
Financial Performance Summary Net Interest Income Other Income Core Fee Income Net Total Income 1,615 1,585 1,563 1,551 1,073 1,069 968 1,481 1,000 871 926 2,658 927 933 822 2,542 2,563 2,550 793 2,483 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26
Slide 5: Financial Performance Summary
Financial Performance Summary GNPA/ NNPA Slippages PCR Credit Cost (bps) 80 139 93 50* 54 1.50% 89.02% 84.03% 2.88% 2.92% 2.78% 82.17% 0 2.60% 1.19% 1.21% 1.18% 1.15% 72.98% 75.92% 2.32% 0 0.99% 0.98% 0.95% 0.81% 0.77% 1 132 5 0.79% 0.53% 0.45% 0.57% 108 4 0.29% 82 41 50 6 3 0 Q2FY25 Q3FY25 Q4FY25 Q
Slide 6: Standalone Profit & Loss Statement
Standalone Profit & Loss Statement Particulars Q2 FY 26 Q2 FY 25 Q1 FY 26 YoY Growth QnQ Growth Interest Income 3,507 3,531 3,441 (1%) 2% Interest Expense 1,957 1,916 1,960 2% 0% Net Interest Income 1,551 1,615 1,481 (4%) 5% Net Interest Margin 4.51% 5.04% 4.50% Other Income 933* 927 1,069 1% (13%)
Slide 7: Standalone Balance Sheet
Standalone Balance Sheet Particulars September 2025 September 2024 June 2025 YoY Growth QoQ Growth Liabilities Capital 613 608 609 1% 1% Reserves and Surplus 15,417 14,859 15,223 4% 1% Deposits 1,16,667 1,07,959 1,12,734 8% 3% Borrowings 15,224 14,679 14,862 4% 2% Other Liabilities 6,066 5,782 5,399
Slide 8: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q2 FY26 Q2 FY25 Q1 FY26 YoY Growth QoQ Growth Income Interest Earned 3,508 3,531 3,441 (1%) 2% Interest Expended 1,956 1,916 1,960 2% 0% Net Interest Income 1,552 1,615 1,481 (4%) 5% Other Income 934* 928 1,071 1% (13%) Total Income 2,485 2,543 2,552
Slide 9: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars September 2025 September 2024 June 2025 YoY Growth QoQ Growth Liabilities Capital 613 608 609 1% 1% Reserves and Surplus 15,507 14,888 15,299 4% 1% Deposits 1,16,636 1,07,952 1,12,700 8% 3% Borrowings 15,225 14,680 14,863 4% 2% Other Liabilities 6,058 5,776 5,3
Slide 10: Deposits Profile
Deposits Profile Deposit Composition Segment Composition Average CASA 107,959 106,753 110,944 112,734 116,667 107,959 106,753 110,944 112,734 116,667 28.9% 29.5% 29.7% 28.0% 28.5% 72,736 17.8% 17.9% 17.6% 17.4% 16.7% 73,058 76,120 79,498 67,368 67,350 69,402 70,574 71,735 71,731 19,661 20,340 19,958
Slide 11: Advances Profile
Advances Profile Funded Net Advances Composition Non-Funded Advances Composition 87,882 90,412 92,618 94,431 100,529 19,413 19,713 20,860 20,375 22,568 6,242 7,099 26,130 25,679 25,943 5,524 6,047 5,930 28,391 27,542 27,657 29,573 30,946 34,188 26,332 13,889 13,666 14,618 14,445 15,469 33,160 35,213
Slide 12: Asset Quality
Asset Quality Q1 FY26 Q2 FY26 Wholesale Credit JLG Secured Total Wholesale Credit JLG Secured Total Cards & Retail Cards & Retail Personal Personal Loans Loans Opening Balance 463 280 1,222 500 2,465 482 314 1,288 602 2,686 (+) Additions during 21 523 318 197 1,060 5 549 235 135 925 the period (-) U
Slide 13: Shareholding Pattern & Rating Profile
Shareholding Pattern & Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.4 2.2 12.8 ICRA AA- (Stable) (Re-affirmed dated Aug 19, 2025) 28.8 Basel III compliant Tier II bonds CARE AA- (Stable) (Re-affirmed dated Sept 23, 2025) 15.5 ICRA A1+ 3.5 (Re-affirmed dated Aug 19, 2025) C
Slide 14: Retail Banking
Retail Banking Business Updates
Slide 15: Retail Banking
Retail Banking Retail Assets Retail Liabilities 10% YoY 8% YoY 60,131 55,199 55,703 56,625 42,569 42,774 44,084 46,521 48,435 54,723 60% 24,799 24,576 25,318 24,053 24,300 62% 61% 60% 60% Share of Total Net Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Advances CASA TD Core R
Slide 16: Distribution Network
Distribution Network Branches BC Branches ATMs Customers 564 1347 415 14.98 Mn 600+ districts, servicing 18,000+ pincodes Chandigarh 4 2 16 New Delhi 58 Retail Liabilities: Constitution wise BANK LEVEL DEPOSIT COMPOSITION Metro & GIFT 19 2 Individuals/HUF 87,168 75% 4% 15 25 8% 1 Urban 6 FI/Banks/Go
Slide 17: Business Volumes
Microfinance Distribution Network Credit Cards Growth & Market Share Source RBI Data Aug’24 Aug’25 RBL Industry RBL Industry 4.54 M 112.31 M CIF 5.26 M 105.49 M 14% 6% 7,097 Cr 1,91,489 Cr Spends* 7,332 Cr 1,68,635 Cr 3% 14% 17,209 Cr# 2,88,691 Cr Advances 17,672 Cr 2,76,576 Cr 3% 4% Business Volume
Slide 18: Credit Cards
Microfinance Credit CardsDistribution Network Portfolio Trends Cards in Force and New Acquisition (Mn) Total Spends (Rs. In crore) 5.22 5.04 21,887 22,174 4.83 21,720 4.69 21,105 21,168 4.47 0.37 0.26 0.22 0.21 0.19 Q2'FY25 Q3'FY25 Q4'FY25 Q1'FY26 Q2'FY26 Q2'FY25 Q3'FY25 Q4'FY25 Q1'FY26 Q2'FY26 Cust
Slide 19: JLG Update
JLG Update Gross AUM (Rs. In crore) Disbursements (Rs. In crore) Proportion of Disbursal covered 25% 43% 90% 98% 100% by CGFMU 8,733 7,819 6,975 6,645 6,674 1,096 854 1,207 1,710 792 12% 12% 12% 11% 11% 11% 12% 11% 9% 10% 88% 88% 88% 89% 89% 89% 88% 89% 91% 90% Q2_FY25 Q3_FY25 Q4_FY25 Q1_FY26 Q2_FY2
Slide 20: Business Banking Group (BBG)
Key Business Loans Segments ~ 10,000 740+ 1.03 Crs ~ 2,700 750+ 22 lacs ~ 780 RANK 4 ~ 3 Crs Customers AVG. Refresh Customers AVG. Refresh Customers AVG. CMR ATS ATS ATS CIBIL CIBIL Old Book* proportion@ 14% Gross Advances (₹crore) Gross Advances (₹crore) Gross Advances (₹crore) 581 10,499 395 1,804
Slide 21: Housing: Affordable and Prime Housing Loan
Housing 750+ 63.60% ~ 22 lacs 770+ 60.18% ~ 74 lacs ~7,700 ~ 6,000 Customers AVG. Refresh AVG. LTV ATS AVG. Refresh AVG. LTV ATS Customers CIBIL CIBIL Gross Advances (₹crore) Gross Advances (₹crore) 2,429 2,593 5,777 5,927 5,960 5,942 AFFORDABLE HOUSING LOAN 2,142 2,310 1,975 5,442 PRIME HOUSING LOA
Slide 22: Wheels: Used Car & Two Wheeler, Tractor
Wheels New Tractor – Land Base and Commercial Geographical Geographical Used Tractor - Land Base and Commercial All type New & Used car (Petrol & Diesel) Presence Presence Harvester, Power tiller & All types of Farm & New Two-Wheeler (Petrol) Product equipment Ranges 308 Districts Product 55 Distric
Slide 23: Retail Agri & Gold
Retail Agri & Gold ~ 24,650 Sourcing Mix ~ 15,100 Geographical Presence Customers 98% from open market or existing Customers Sourced through 492 Branches across 26 customer reference States & UT’s Geographical Presence 2% sourcing is from BC partner & Co- lending partner ~3.75 lacs ATS 178 Branches
Slide 24: Wholesale Banking
Wholesale Banking Business Updates
Slide 25: Wholesale Banking Contribution
Wholesale Banking Corporates Commercial and Supply Chain Financial Institutions Other niche segments Gross Advances Contribution (Sep 2025) 43% 32% 17% 8% Institutional Real Estate & Gems & New Co-operative Tech & Transaction MNCs Digital ecosystem Finance Infrastructure Jewellery Economy Banks Larg
Slide 26: Wholesale Banking
Wholesale Banking Note: NII is basis Reducing Dependence on Asset Led Revenues Low Slippages and Recoveries result in low credit costs internal methodology & FTP 16 19 148 150 153 162 164 6 3 0 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 144 151 159 109 133 (3) (19) (15) (10) 69 71 72 81 80 (136) Q2FY25 Q3FY
Slide 27: ESG
ESG
Slide 28: ESG @ RBL - Grow Sustainably..
ESG @ RBL - Grow Sustainably.. Sustainability continues to be at the core of what we do and make it an integral part of our business practices, including Risk Management practices Financial literacy: Policy stipulation for managing Bank’s own E&S • Bank runs financial literacy program with NGO partn
Slide 29: Digital Banking Updates
Digital Banking Updates
Slide 30: Digital Banking Snapshot
Digital Banking Snapshot… 4.4 15 Cr. 3.1 L Mobile App Ratings Monthly Avg Transaction Volume Files processed in Q2 (Inward/Outward) through e sign/stamp D2C 24% 74% 2% platform IMPS UPI RTGS & NEFT 100% 260+ 11 L+ 1.6 L Penetration of APIs exposed Average Daily Monthly VKYC E-sign in MFI to corporat
Slide 31: UPI new features enablement – GFF2025
UPI new features enablement – GFF2025 Bank has launched 4 new UPI features, during Global Fintech Festival 2025 OS-native Biometric Authentication for UPI Transactions 1 Enable biometric authentication for UPI payments to eliminate PIN entry and boost adoption. IoT Payments 2 Enable UPI-linked secon
Slide 32: RBL Bank Humsafar Prepaid Card – GFF2025
RBL Bank Humsafar Prepaid Card – GFF2025 RBL Bank Humsafar Insignia Preferred Banking Business ✓ Excited to announce the launch of RBL The new proposition brings innovative Bank Humsafar during GFF-a prepaid technology driven solutions offering a blend of card designed for all-day payment services a
Slide 33: QR on the back of Transit Prepaid Cards – GFF2025
QR on the back of Transit Prepaid Cards – GFF2025 QR on back of Card RBL Bank is the 1st private sector bank to launch ✓ Excited to introduce a first-of-its-kind solution that enables prepaid card customers to instantly load their cards by simply scanning the personalized QR code printed on the card
Slide 34: IMPS Simplified flow
IMPS Simplified flow IMPS Simplified Flow What is it? IMPS transactions simplified Customer can transfer money to mobile number and money credited into the account attached to the mobile number Live on RIB RBL Bank is live for IMPS simplified flow on Retail Internet Banking Key Features Payments to
Slide 35: Key Digital enablement initiatives over the last quarter
Key Digital enablement initiatives over the last quarter… Key Enablement… Digital/DIY Journeys across liability and asset portfolios, Distinctive Capabilities WhatsApp banking Multi-pronged delivery leveraging our partnership base in the following areas 5th Largest ~6.2K Acquiring services to Paymen
Slide 36: Curated & Expansive Digital Interface
Curated & Expansive Digital Interface Retail Internet Banking Partnership Banking WhatsApp Banking Corporate & MSME Banking RBL Suvidha App Connected Banking (BaaS) RBL Cares Chatbot Prepaid Instrument (PPI) RBL MyBank, MyCard & Diplomat App RBL BizBank App & Corporate Internet Banking ‘Quick Servic
Slide 37: Digital Partnerships
Digital Partnerships… Strategic fintech partnerships enabling expanded reach & new acquisition channels. Our open architecture (API Led) partner first approach focuses on Innovation & Co-creation for superior customer experiences. Transit, Co-Branded Cards TPAPs & Large Merchants Fx Entities Corpora
Slide 38: Continuous enhancements across digital channels
Continuous enhancements across digital channels… ➢ International Money Transfer (LRS) through MyBank. ➢ Enablement of Simplified IMPS – RIB ➢ Download Statement of account & Interest certificate(Retail Assets) - WhatsApp Banking. ➢ Unified Presentment & Management System (UPMS) – CIB ➢ Commercial Cr
Slide 39: Marketing and CSR Updates
Marketing and CSR Updates
Slide 40: Strategic Campaigns- Customer-Centric Storytelling
Strategic Campaigns- Customer-Centric Storytelling Key Goals • Build Credibility • Inspire Action • Strengthen Brand Image • Enhance Digital Presence Compelling testimonial film series titled Customer First, spotlighting authentic voices of our customers launched. These narratives highlight the tran
Slide 41: Strategic Campaigns- Customer-Centric Storytelling
Strategic Campaigns- Customer-Centric Storytelling Targeted product-led awareness initiatives have significantly enhanced brand visibility and accelerated product adoption. Golden Years was a 51-day outreach initiative dedicated to Senior Citizens. Key Highlights: • Over 1,000+ micro-marketing activ
Slide 42: Driving Impact & Visibility Through our Brand Ambassador
Driving Impact & Visibility Through our Brand Ambassador • Our partnership with World Chess Champion D. Gukesh has delivered 45M+ impressions • Generated immense commercial value, significantly boosting brand visibility and perception. • His credibility as a rising sports icon has enabled execution
Slide 43: ITOTY Awards
Awards ITOTY Awards & Recognition 2025 Recognized for the Best Digital Transformation in Tractor Finance. The Bank has won the ITOTY Award for the second time in a row 43
Slide 44: CSR Initiatives
CSR Initiatives Cabinet Minister Ganesh Joshi Distributes Bicycles & School Kits to Girl Students under ‘Umeed’ Initiative State Cabinet Minister of Government of Uttarakhand, Ganesh Joshi participated as the Chief Guest at a bicycle and school kit distribution programme organised under our flagship
Slide 45: CSR Initiatives
CSR Initiatives Project Vaneekaran Launched to Dhanvantri Brings Essential Medical Promote Urban Biodiversity Services to in 11 Cities In collaboration with the Panvel Municipal The Bank has launched a fleet Corporation, the Bank has planted 8,000 of free mobile healthcare vans for saplings across 6
Slide 46: Annexures
Annexures
Slide 47: Board of Directors
Board of Directors Mr. Chandan Sinha Mr. R Subramaniakumar Non-Executive Independent Director (Part Time Chairman) Managing Director and CEO Previously, Executive Director, RBI. Career – Central Banker for A veteran banker with 40 years of experience; Previously, associated with PNB, Indian 35 years
Slide 48: Management Team
Management Team Mr. R Subramaniakumar Mr. Rajeev Ahuja Managing Director and CEO Executive Director A veteran banker with 40 years of experience; Previously, associated with PNB, Previously, associated with Citibank India, Bank of America, India and Bankers Indian Bank and Indian Overseas Bank Trust
Slide 49: Management Team
Management Team Mr. Ravi Pichan Mr. Prakash Gupta Chief Information Officer & Head - Digital Banking Unit Chief Compliance Officer Previously, associated with Larsen & Toubro Infotech, Capgemini, Barclays & Bank of Previously, associated with Barclays, Credit-Suisse and Rabobank America Mr. Kamal Sa
Slide 50: Historical Performance
Historical Performance Particulars FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 H1 FY26 Net Worth 2,224 2,960 4,242 6,544 7,336 10,290 12,254 12,006 12,996 14,206 14,930 15,356 Deposits 17,099 24,349 34,588 43,902 58,394 57,812 73,121 79,007 84,887 103,494 110,944 116,667 Advances (Net
Slide 51: Thank you
Thank you 51