Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q1 FY27 Earnings Presentation
37 slides from Rbl Bank's earnings presentation, Jul 17, 2026
Slide 1: Investor Presentation Quarter Ended June 30, 2026
Investor Presentation Quarter Ended June 30,2026 July 17,2026
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: Transaction Update
Transaction Update • Emirates NBD Bank (P.J.S.C) [ENBD] infused approximately USD 2.75 billion (~INR 260 billion) to acquire 92,91,34,820 shares of RBL Bank at a price of Rs. 280 on 18 June 2026 by way of a preferential issue on a private placement basis • Emirates NBD bank (P.J.S.C) holds 60% of th
Slide 4: Overview of Emirates NBD
Overview of Emirates NBD UAE’s most profitable Bank, Emirates NBD is a leading banking group in the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving 10+ million active customers Listed on the Dubai Financial Market with a market capitalization of ~USD 54
Slide 5: Key Highlights
Key Highlights • Net Profit at Rs.2.54 bn for Q1 FY27 Operating • Net Interest Income (NII) for Q1 FY27 grew 12% YoY to Rs.16.54 bn; NIM was 4.13% Performance • Core Fee Income for Q1 FY27 grew 16% YoY to Rs.9.23 bn • Operating Profit for Q1 FY27 grew 31% YoY to Rs.9.23 bn Healthy Loan • Advances gr
Slide 6: Financial Performance Summary
Financial Performance Summary Net Interest Income Other Income Core Fee Income Net Total Income 10,695 27,075 27,399 16,573 16,710 16,544 10,503 10,690 10,568 26,139 15,507 9,327 9,594 9,587 25,501 14,807 9,264 9,233 24,834 7,933 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27
Slide 7: Financial Performance Summary
Financial Performance Summary GNPA/ NNPA Slippages PCR Credit Cost (bps) 50 54 64 65 54 2.78% 1.15% 84.03% 3 2.32% 0.98% 7 2 1.88% 0.99% 0.91% 0.90% 0.83% 4 0.77% 75.92% 5 1.45% 0.71% 73.57% 72.00% 1.30% 0.61% 0.69% 71.09% 56 61 41 50 53 0.45% 0.57% 0.55% 0.39% 0.37% 3 0 1 1 -1 Q1FY26 Q2FY26 Q3FY26
Slide 8: Standalone Profit & Loss Statement
Standalone Profit & Loss Statement Particulars Q1 FY 27 Q1 FY 26 Q4 FY 26 YoY Growth QnQ Growth Interest Income 38,402 34,411 37,202 12% 3% Interest Expense 21,858 19,604 20,493 11% 7% Net Interest Income 16,544 14,807 16,710 12% (1%) Net Interest Margin 4.13% 4.50% 4.41% Other Income 9,594 10,695 1
Slide 9: Standalone Balance Sheet
Standalone Balance Sheet Particulars June 2026 June 2025 March 2026 YoY Growth QoQ Growth Liabilities Capital 15.49 6.09 6.18 154% 151% Reserves and Surplus 413.28 152.23 159.87 171% 159% Deposits 1,248.29 1,127.34 1,390.18 11% (10%) Borrowings 98.03 148.62 167.94 (34%) (42%) Other Liabilities 80.47
Slide 10: Deposits Profile
Deposits Profile Deposit Composition (Average) 24% YoY Segment Composition (Average) Deposits EOP 1046.51 1091.19 1145.57 1250.56 1293.62 1046.51 1091.19 1145.57 1250.56 1293.62 1127.34 1166.67 1197.21 1390.18 1248.29 11% 12% 10% 12% 10% 14% 13% 16% 15% 19% 17% 17% 16% 15% 16% 35% 35% 37% 40% 38% 17
Slide 11: Advances Profile
Advances Profile Net Advances Composition 23% YoY Wholesale Composition 38% YoY 944.31 1005.29 1030.86 1142.32 1162.23 378.07 403.97 424.75 471.12 520.27 27% 26% 25% 24% 24% 32% 32% 32% 33% 33% 33% 34% 33% 35% 31% 67% 68% 67% 68% 68% 40% 40% 41% 41% 45% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY
Slide 12: Asset Quality
Asset Quality Q4 FY26 Q1 FY27 Wholesale Credit JLG Secured Total Wholesale Credit JLG Secured Total Cards & Retail Cards & Retail Personal Personal Loans Loans Opening Balance 3.26 3.10 7.19 6.07 19.62 3.25 2.92 4.77 5.81 16.75 (+) Additions during 0.79 6.19 0.87 1.41 9.25 0.03 7.39 0.57 1.41 9.40 t
Slide 13: Shareholding Pattern & Rating Profile
Shareholding Pattern & Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.4 0.5 2.5 0.4 ICRA AAA (Stable) Issuer Rating (Assigned on Jul 07, 2026) 8.8 ICRA AAA (Stable) (Re-affirmed dated Jul 07, 2026) Basel III compliant Tier II bonds 9.5 CARE AAA (Stable) (Upgraded dated Jul 1
Slide 14: Retail Banking
Retail Banking Business Updates
Slide 15: Distribution Network and Retail Liabilities
Distribution Network Branches BC Branches ATMs Customers 628 1339 410 15.04 Mn 600+ districts, servicing 18,000+ pincodes Chandigarh 4 Retail Liabilities: Constitution wise BANK LEVEL DEPOSIT COMPOSITION 2 New Delhi 58 Metro & GIFT 17 2 936.92 75% 24 4% Individuals/HUF 8% Urban 19 29 1 6 FI/Banks/Go
Slide 16: Retail Banking
Retail Banking in Rs. bn Retail Liabilities - Average in Rs. bn Retail Assets 17% YoY 13% YoY 601.31 606.11 671.19 641.96 566.25 479.27 493.48 516.35 554.93 456.74 227.51 226.97 226.57 234.37 244.69 60% 60% 59% 59% 55% Share of Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Total Net Q1FY26 Q2FY26 Q3FY26 Q4FY26
Slide 17: Credit Cards - Portfolio Trends
Microfinance Distribution Network Credit Cards - Portfolio Trends Cards in Force and New Acquisition (Mn) 4.69 4.47 4.60 4.63 4.65 0.33 0.34 0.29 0.21 0.19 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Cards in Force Acquisition (Mn) Total Spends (Rs. In bn) AUM (Rs. In bn) 214.99 212.82 205.06 200.47 197
Slide 18: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Retail Spend per card Consumer Loans* 34,496 Amount 31,399 32,662 31,924 30,732 19% 16% 19% 23% 27% 15,125 15,581 16,145 14,388 14,455 81% 84% 81% 77% 73% Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q1FY'26 Q2FY'26 Q3FY'26 Q4FY'26 Q1FY'27 Retail Spend/Card Retail Spend/Ac
Slide 19: JLG Update
JLG Update Gross AUM (Rs. In bn) Disbursements (Rs. In bn) Proportion of 100% 98% 99% 98% 100% Disbursal covered by CGFMU 12.07 17.10 20.91 25.32 18.62 66.45 66.74 71.19 80.59 84.00 11% 11% 10% 10% 9% 9% 10% 8% 10% 9% ~97% Standard Advances as of 89% 89% 90% 90% 91% Jun 26 covered 91% 90% 92% 90% 91
Slide 20: Business Banking Group (BBG)
Key Business Loans Segments Gross Advances Gross Advances Gross Advances Old Book* proportion@ 9% 8.6% 8.4% 8.2% 8.2% 8.3% 9.4% 9.2% 9.1% 12.3% 12.3% 12.5% 12.5% 12.5% 8.7% 8.6% 30.34 30.64 9.17 9.99 25.17 116.99 126.32 128.83 7.52 19.12 20.95 90.68 104.99 3.95 5.81 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q
Slide 21: Housing
Housing Gross Advances Gross Advances 8.5% 8.0% 8.1% 10.0% 10.0% 9.9% 7.8% 7.8% 9.6% 9.6% 59.60 59.42 59.61 58.01 30.71 32.41 57.28 25.93 28.20 24.29 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 AFFORDABLE HOUSING LOAN Portfolio Yield % Portfolio Yield % PRIME HOUS
Slide 22: Car & Two Wheeler
Wheels Gross Advances Gross Advances 15.5% 15.3% 15.5% 15.1% 15.1% 18.3% 18.5% 18.5% 17.9% 17.7% 34.47 4.93 5.02 4.95 29.47 30.92 32.78 31.30 4.13 4.33 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Portfolio Yield % Portfolio Yield % Disbursals Disbursals CAR & TWO
Slide 23: Retail Agri & Gold
Retail Agri & Gold Gross Advances Gross Advances 11.8% 11.9% 12.6% 10.9% 10.9% 10.9% 10.8% 10.8% 10.6% 17.01 16.86 17.00 16.62 18.16 10.3% 42.58 44.12 33.58 22.21 10.43 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Portfolio Yield % Portfolio Yield % Disbursals* Dis
Slide 24: Wholesale Banking
Wholesale Banking Business Updates
Slide 25: Wholesale Banking
Wholesale Banking Gross Advances Contribution (Q1FY27) EOP Wholesale Liabilities in Rs. Bn. 146.42 Commercial 109.29 110.48 123.09 138.29 Financial Other niche Corporates and Supply Institutions segments Chain 384.12 312.15 318.80 309.44 298.97 41% 33% 16% 10% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Corp
Slide 26: ESG
ESG
Slide 27: 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. Policy stipulation for managing Bank’s own E&S Financial literacy: footprint, and impact of lending as per IFC • Bank c
Slide 28: Digital Banking Updates
Digital Banking Updates
Slide 29: Digital Banking Snapshot
Digital Banking Snapshot… ~97 mn 4.4 Q1 - Monthly Avg Transaction Volume (Inward/Outward) $1.7 bn Mobile App Ratings Value processed in D2C Q1 FY 27 under RDA. 14% 81% 5% (93% growth vs Q1 FY 26) IMPS UPI RTGS & NEFT 100% ~ 0.32 mn 6 L+ 26.7 k Files processed in Q1 through Average Daily API Calls Cr
Slide 30: Key Digital Payments Enablement – Q1 Highlights
Key Digital Payments Enablement – Q1 Highlights Distinctive 7th +10% 3rd Top Capabilities & 3 Market Rank in the industry in Market share in Merchant Rank in the industry in Among Top 3 banks in the Industry for Presence Foreign Inward Remittance (FIR) IMPS as Remitter Bank. Acquiring value of trans
Slide 31: Curated & Expansive Digital Interface
Curated & Expansive Digital Interface Retail Customer Other Businesses Corporate Customers ✓ Enablement of OTP on Email for all ✓ New Digital Collection Journey for Loan ✓ Enablement of Internal Fund customers for all transactions – RIB & Against Securities for collection of short fall Transfer for
Slide 32: Marketing Updates
Marketing Updates
Slide 33: Enhancing our Product Suite
Enhancing Enhancing Our our Product Product Suite Suite NRI banking solution introduced in partnership with Emirates NBD, is designed to simplify and enrich the financial journey of Global Indians. Key Features: • Foreign Currency (FCY) Banking at GIFT City • Preferential Remittance Rates • Wealth M
Slide 34: Awards & Recognition
Awards &Awards & Recognition Recognition ‘Best Data Quality’ Award (Silver Category) FINNOVITI 2026 Awards by Banking Frontiers for 3 by TransUnion CIBIL projects: • Confirmation Service API – Reinventing transaction integrity and merchant security. • KAVACH – AI-powered fraud detection driving smar
Slide 35: Annexures
Annexures
Slide 36: Historical Performance
Historical Performance Particulars FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 Net Worth 29.60 42.42 65.44 73.36 102.90 122.54 120.06 129.96 142.06 149.30 160.14 423.33 Deposits 243.49 34,5.88 43,9.02 58,3.94 57,8.12 73,1.21 79,0.07 84,8.87 1034.94 1109.44 1390.18 1248.29 Advanc
Slide 37: Thank you
Thank you 37