Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Investor Presentation (August 2026)
30 slides from Rbl Bank's investor presentation, August 2026
Slide 1: Investor Presentation August 2026
Investor Presentation August 2026
Slide 2: Disclaimer
Disclaimer This confidential document (the "Presentation") and the information contained herein are not an offer of the securities for sale in the United States and are not for publication or distribution to persons in the United States. The Presentation is being made to you on the basis that you ha
Slide 3: Macro Update
Macro Update
Slide 4: India: A Structural Growth Opportunity
India: A Structural Growth Opportunity India Expected to Remain the Fastest Growing Major Economy1 (%) India Benefits from a Young and Growing Workforce2 India USA China Indonesia Germany Japan 0-19 20-35 36-50 51+ 8.5 India China USA UK Japan 7.5 7.1 6.5 6.5 18% 20% 22% 36% 35% 38% 5.5 50% 5.0 5.2
Slide 5: India–UAE Corridor: A Strategic Growth Opportunity
India–UAE Corridor: A Strategic Growth Opportunity Bilateral Trade with India’s Top Partners1 Total Exports (Goods & Services)1 Inward Remittances2 USD Bn USD Bn USD Bn USA China UAE 151 863 138 151 140 120 132 128 118 118 825 100 101 84 778 FY24 FY25 FY26 FY24 FY25 FY26 CY23 CY24 CY25 FY26 merchand
Slide 6: India Rates & Policy Update
India Rates & Policy Update RBI Policy Rate and Domestic Yield Curve Trends (%)1 7.50 Repo Rate T-Bill G-Sec 7.00 6.76 6.50 6.00 5.69 5.50 5.25 5.00 19-Aug-25 20-Aug-24 1-Oct-24 18-Feb-25 9-Dec-25 17-Feb-26 6-Aug-24 12-Nov-24 26-Nov-24 21-Jan-25 4-Feb-25 5-Aug-25 11-Nov-25 25-Nov-25 20-Jan-26 3-Feb-
Slide 7: RBL Bank at a Glance
RBL Bank at a Glance
Slide 8: RBL Bank at a Glance
RBL Bank at a Glance RBL Bank USD 6.3 Billion ~15 Million 13k+ 628 Market Cap Customers Employees Branches Profitability USD 34m 4.13% 0.57% 4.01% Net Profit for Q1 FY 2027 Net Interest Margin Return on Assets Return on Equity Balance Sheet and USD 19.7 Billion 33.3% 32.2% 0.37% Capitalization Total
Slide 9: Key Credit Highlights
Key Credit Highlights • 60% owned by Emirates NBD Bank PJSC, one of the largest banking groups in Strong Strategic 1 MENATSA1, providing long term strategic vision enhanced governance, financial strength Shareholder and growth opportunities. Ratings Above the • Baa2 (Stable) by Moody's, higher than
Slide 10: Diversified Franchise Across Four Core Business Verticals
Diversified Franchise Across Four Core Business Verticals Corporate & • Corporate / institutional and commercial client franchise Institutional Banking Wholesale Banking • Relationship-led lending, trade, cash management and treasury solutions (C&IB) + Commercial • Supports wholesale franchise depth
Slide 11: Building a Scalable Digital Banking Franchise
Building a Scalable Digital Banking Franchise RBL Bank is using digital channels, payments infrastructure and analytics to drive customer engagement, operating scalability and credit discipline 97m 1.1m 4.4 / 5.0 Avg. monthly transaction volume UPI handles issued Mobile app rating in Q1 FY 2027 Digi
Slide 12: Emirates NBD's Investment
Emirates NBD’s Investment
Slide 13: Emirates NBD's Investment in RBL Bank
Emirates NBD’s Investment in RBL Bank USD 2.75 bn Primary Infusion 60% Shareholding 18 Jun 2026 Total Capital Primary Infusion done via Translating into 60% of the Completion of Invested in RBL Bank Preferential Issue of Shares Bank’s Expanded Share Capital Strategic Investment Transaction overview
Slide 14: Emirates NBD's Profile
Emirates NBD’s Profile Emirates NBD – One of the Largest & Most Profitable Banks in the GCC with Global Presence in 13 Countries Islamic Private A full-service bank… …with scale and profitability… As of June 2026 Departments Banking Banking (6 months) Corporate $7.6 bn $54 bn $4.4 bn Banking Asset I
Slide 15: Emirates NBD as Promoter – Key Highlights & Synergies
Emirates NBD as Promoter – Key Highlights & Synergies Strengthened Governance Strong Combined Platform • Emirates NBD classified as Promoter, with five nominees on Bank’s • Expanded large corporate relationships and stronger bank to Board. RBL designated as Subsidiary of Emirates NBD service top tie
Slide 16: Strong Investment Grade Ratings Profile
Strong Investment Grade Ratings Profile MOODY'S RATINGS — FIRST-TIME ISSUER RATING Rated one notch above the India sovereign Baa2 Baa2 RBL Bank Limited (stable) Baa3 Republic of India (stable) Outlook as “Stable” Moody's rating summary Domestic rating profile — Long Term Ratings Upgraded to AAA • Ba
Slide 17: Business Update
Business Update
Slide 18: Strong Earnings Profile and Consistent Growth
Strong Earnings Profile and Consistent Growth Net Interest Income (USDm) Cost to Income Ratio 685 674 68.5% 640 66.6% 64.7% 64.7% 157 175 FY 2024 FY 2025 FY 2026 Q1 FY 2026 Q1 FY 2027 FY 2024 FY 2025 FY 2026 Q1 FY 2027 Return on Assets & Return on Equity (%) Net Profit (USDm) 8.25% Return on Assets
Slide 19: Balance Sheet Growth
Balance Sheet Growth Assets and Advances (USDm) CASA (USDm) and CASA Ratio (%) Assets Advances CASA CASA Ratio 19,665 35.2% 34.1% 33.6% 19,148 29.2% 14,671 15,550 12,106 12,317 4,952 8,901 9,815 3,863 4,015 3,865 31-Mar-24 31-Mar-25 31-Mar-26 30-June-26 31-Mar-24 31-Mar-25 31-Mar-26 30-June-26 Growt
Slide 20: Capitalization and Liquidity
Capitalization and Liquidity Capital Adequacy Ratio Risk Weighted Assets to Total Assets (%) Capital infusion 33.3% 71.2% 71.4% by Emirates NBD Bank 70.7% 16.2% 15.5% 14.2% 68.3% FY 2024 FY 2025 FY 2026 Q1 FY 2027 FY 2024 FY 2025 FY 2026 Q1 FY 2027 Advances to Deposits Ratio (%) Liquidity Coverage R
Slide 21: Asset Quality
Asset Quality Gross NPA and Net NPA (%) Slippages Gross NPA Net NPA Gross Slippages Net Slippages 2.65% 2.60% 4.93% 4.14% 3.52% 3.75% 3.23% 3.31% 1.45% 2.78% 1.30% 2.26% 0.74% 0.29% 0.39% 0.37% FY 2024 FY 2025 FY 2026 Q1 FY 2027 FY 2024 FY 2025 FY 2026 Q1 FY 2027 Provision Coverage Ratio (without te
Slide 22: Loan Book Diversification
Loan Book Diversification Net Advances Composition: Retail vs Wholesale Mix Retail Book Composition(1) Wholesale Retail Credit Cards Microfinance Business Loans Housing Loans Gold Loans Others 7,113 5,903 20% 5,208 59% 60% 59% 55% 23% 6% 17% 1% 13% 4% 15% 13% 25% 17% 20% 15% 10% 11% 41% 40% 41% 45%
Slide 23: Experienced Board & Management Team
Experienced Board & Management Team Management Team R Subramaniakumar Managing Director & Chief Executive Officer Jaideep Iyer Deepak Kumar Alok Rastogi Narendra Agrawal Kumar Ashish Executive Director Chief Risk Officer Head - Corporate Centre Head - Branch Banking & Retail Head of Retail Assets an
Slide 24: Experienced Board & Management Team
Experienced Board & Management Team Non-Executive Non-Independent Non-Executive Independent Executive Roles (Emirates NBD Bank (P.J.S.C) Nominee Directors) Chandan Sinha Shayne Keith Nelson R Subramaniakumar Non-Executive Independent Director (Part-time Non-Executive Non-Independent Director [Nomine
Slide 25: Embedding ESG
Embedding ESG
Slide 26: Embedding ESG across Governance, Risk and Operations
Embedding ESG across Governance, Risk and Operations ESG framework anchored in Board oversight, climate commitments, responsible banking policies and inclusive • Board has overall responsibility for • Portfolio caps for high carbon-emitting Sustainability & ESG strategy sectors development Governanc
Slide 27: Annexure
Annexure
Slide 28: Standalone Profit & Loss Statement
Standalone Profit & Loss Statement In USDm FY 2024 FY 2025 FY 2026 Q1 FY 2026 Q1 FY 2027 INCOME Interest Earned 1,314 1,488 1,519 365 407 Other Income 322 403 437 113 102 TOTAL 1,636 1,891 1,956 478 509 EXPENDITURE Interest Expended 673 803 845 208 232 Operating Expenses 642 704 761 196 179 Provisio
Slide 29: Standalone Balance Sheet
Standalone Balance Sheet In USDm 31-Mar-24 31-Mar-25 31-Mar-26 30-Jun-25 30-Jun-26 Capital & Liabilities Capital 64 64 66 65 164 Employee stock options outstanding 12 18 19 19 20 Reserves and Surplus 1,491 1,572 1,676 1,594 4,360 Deposits 10,968 11,757 14,733 11,947 13,229 Borrowings 1,503 1,455 1,7
Slide 30: Thank You