Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q4 FY26 Earnings Presentation
40 slides from Rbl Bank's earnings presentation, Apr 25, 2026
Slide 1: Investor Presentation
Investor Presentation Quarter Ended March 31,2026 April 25,2026
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: Key Highlights
Key Highlights • Net Profit at Rs. 230 crore for Q4 FY26 Operating • Net Interest Income (NII) for Q4 FY26 grew 7% YoY to Rs. 1,671 crore; NIM was 4.41% • Core Fee Income for Q4 FY26 grew 9% YoY to Rs. 1,057 crore Performance • Operating Profit for Q4 FY26 grew 11% YoY to Rs. 955 crore • Total Busin
Slide 4: Financial Performance Summary
Financial Performance Summary Net Interest Income Other Income Core Fee Income Net Total Income 1,069 1,050 1,069 1,671 1,000 1,057 2,708 2,740 1,657 968 926 959 1,563 1,551 933 2,563 2,550 1,481 793 2,483 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3F
Slide 5: Financial Performance Summary
Financial Performance Summary GNPA/ NNPA Slippages PCR Credit Cost (bps) 93 50 54 64 65 2.78% 89.02% 84.03% 2.60% 1.18% 1.15% 0 2.32% 75.92% 71.09% 73.57% 0.99% 0.98% 0.91% 0.90% 7 1.88% 4 3 1.45% 0.81% 0.77% 0.71% 5 108 0.61% 50 56 61 0.45% 0.57% 0.55% 41 0.29% 0.39% 1 0 1 -15 3 Q4FY25 Q1FY26 Q2FY2
Slide 6: Standalone Profit & Loss Statement
Standalone Profit & Loss Statement Particulars Q4 FY 26 Q4 FY 25 Q3 FY 26 YoY Growth QnQ Growth FY26 FY25 YoY Growth Interest Income 3,720 3,476 3,667 7% 1% 14,336 14,039 2% Interest Expense 2,049 1,913 2,010 7% 2% 7,976 7,576 5% Net Interest Income 1,671 1,563 1,657 7% 1% 6,360 6,463 (2%) Net Inter
Slide 7: Standalone Balance Sheet
Standalone Balance Sheet Particulars March 2026 March 2025 December 2025 YoY Growth QoQ Growth Liabilities Capital 618 608 617 2% 0% Reserves and Surplus 15,987 14,999 15,719 7% 2% Deposits 1,39,018 1,10,944 1,19,721 25% 16% Borrowings 16,794 13,734 14,876 22% 13% Other Liabilities 8,268 6,441 6,357
Slide 8: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q4 FY 26 Q4 FY 25 Q3 FY 26 YoY Growth QnQ Growth FY26 FY25 YoY Growth Income Interest Earned 3,721 3,477 3,667 7% 1% 14,337 14,041 2% Interest Expended 2,049 1,913 2,009 7% 2% 7,975 7,576 5% Net Interest Income 1,672 1,564 1,658 7% 1% 6,362 6,465 (2%)
Slide 9: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars March 2026 March 2025 December 2025 YoY Growth QoQ Growth Liabilities Capital 618 608 617 2% 0% Reserves and Surplus 16,106 15,062 15,824 7% 2% Deposits 1,38,959 1,10,933 1,19,687 25% 16% Borrowings 16,796 13,735 14,877 22% 13% Other Liabilities 8,267 6,435 6,3
Slide 10: Deposits Profile
Deposits Profile Deposit Composition Segment Composition Average CASA 110,944 112,734 116,667 119,721 139,018 110,944 112,734 116,667 119,721 139,018 29.7% 28.0% 28.5% 26.4% 27.0% 81,865 17.6% 17.4% 16.7% 16.1% 15.3% 92,294 82,749 70,574 72,736 74,475 73,058 76,120 79,498 69,402 20,801 19,958 18,907
Slide 11: Advances Profile
Advances Profile Funded Net Advances Composition Non-Funded Advances Composition 92,618 94,431 100,529 103,086 114,232 20,860 20,375 22,568 23,351 26,178 26,912 9,111 25,679 25,943 26,204 7,475 26,130 6,242 5,930 7,099 34,407 40,207 29,573 30,946 34,188 36,915 37,807 40,397 42,475 47,112 14,618 14,4
Slide 12: Asset Quality
Asset Quality Q3 FY26 Q4 FY26 Wholesale Credit JLG Secured Total Wholesale Credit JLG Secured Total Cards & Retail Cards & Retail Personal Personal Loans Loans Opening Balance 335 412 1,027 604 2,378 326 310 719 607 1,962 (+) Additions during 11 574 157 167 909 79 619 87 141 925 the period (-) Upgra
Slide 13: Shareholding Pattern & Rating Profile
Shareholding Pattern & Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.3 1.3 5.7 ICRA AA- (Rating continues on watch with positive implications) 24.7 (Re-affirmed dated Dec 16, 2025) Basel III compliant Tier II bonds 20.2 CARE AA- (Placed on Rating Watch with Positive Implica
Slide 14: Retail Banking
Retail Banking Business Updates
Slide 15: Retail Banking
Retail Banking Retail Assets Retail Liabilities 20% YoY 18% YoY 60,131 60,611 67,119 55,703 56,625 50,131 54,811 44,084 46,521 48,435 25,318 24,053 24,300 24,344 27,054 60% 60% 60% 59% 59% Share of Total Net Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Advances CASA TD Core
Slide 16: Distribution Network
Distribution Network Branches BC Branches ATMs Customers 603 1339 415 15.16 Mn 600+ districts, servicing 18,000+ pincodes Chandigarh 4 New Delhi 58 Retail Liabilities: Constitution wise BANK LEVEL DEPOSIT COMPOSITION 2 Metro & GIFT 16 2 Individuals/HUF 105,508 76% 21 4% 8% 27 Urban 17 6 1 FI/Banks/G
Slide 17: Credit Cards - Portfolio Trends
Microfinance Distribution Network Credit Cards - Portfolio Trends Cards in Force and New Acquisition (Mn) 4.83 4.69 4.60 4.63 4.47 0.33 0.29 0.22 0.21 0.19 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Cards in Force Acquisition (Mn) Total Spends (Rs. In crore) AUM (Rs. In crore) 21,720 21,446 21,224 21,5
Slide 18: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Consumer Loans Retail Spend per card 34,496 Amount(Cr.) 33,368 32,662 30,732 31,399 19% 19% 16% 19% 27% 15,947 14,388 15,125 15,581 16,145 81% 81% 84% 81% 73% Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q4FY'25 Q1FY'26 Q2FY'26 Q3FY'26 Q4FY'26 Retail Spend/Card Retail Spen
Slide 19: JLG Update
JLG Update Gross AUM (Rs. In crore) Disbursements (Rs. In crore) Proportion of 90% 98% 100% 100% 98% Disbursal covered by CGFMU 6,975 6,645 6,674 7,119 8,059 792 1,207 1,710 2,091 2,532 12% 11% 11% 10% 10% 11% 9% 10% 8% 10% ~95% Standard Advances as of 88% 89% 89% 90% 90% Mar 26 covered 89% 91% 90%
Slide 20: Business Banking Group (BBG)
Key Business Loans Segments ~ 11,400 740+ 1.3 Crs ~ 4,000 750+ 24 lacs ~ 1,100 AVG. CMR 3 ~ 3 Crs Customers AVG. Refresh Customers AVG. Refresh Customers ATS ATS ATS CIBIL CIBIL Old Book* proportion@ 9% Gross Advances (₹crore) Gross Advances (₹crore) Gross Advances (₹crore) 12.0% 12.3% 12.3% 12.5% 1
Slide 21: Affordable Housing Loan
Housing 750+ 65% ~ 23 lacs 770+ 65% ~ 72 lacs ~ 9,300 ~ 5,800 Customers AVG. Refresh AVG. LTV ATS AVG. Refresh AVG. LTV ATS Customers CIBIL CIBIL Gross Advances (₹crore) Gross Advances (₹crore) 2,820 3,071 AFFORDABLE HOUSING LOAN 2,310 2,429 2,593 5,927 5,960 5,942 5,961 5,801 PRIME HOUSING LOAN 8.7
Slide 22: Used Car & Two Wheeler
Wheels ~ 100,600 Geographical ~70,000 Geographical Customers Presence Customers Presence 308 Districts 55 Districts (Used Car and Two-Wheeler) RVF : 70 % : 30 % (New tractor : Used Tractor) Auto Loan : 27% :73 % (Used Car :New Car) 100% New Two-Wheeler Advance Mix Advance Mix Gross Advances (₹crore)
Slide 23: Retail Agri & Gold
Retail Agri & Gold ~ 27,600 Sourcing Mix ~ 23,400 Geographical Presence Customers 97% from open market or existing Customers Sourced through 474 Branches across 24 customer reference States & UT’s Geographical Presence 3% sourcing is from BC partner & Co- lending partner ~ 6.7 lacs ATS 180 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 (Mar 2026) 40% 33% 17% 10% Institutional Real Estate & Gems & New Co-operative Tech & Transaction MNCs Digital ecosystem Finance Infrastructure Jewellery Economy Banks Lar
Slide 26: Wholesale Banking
Wholesale Banking Note: NII is basis Diversified Revenues Low Slippages and Recoveries result in low credit costs internal methodology & FTP 19 3 0 1 1 153 162 164 180 206 (15) (10) (9) (1) 159 109 133 116 146 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 72 81 80 111 113 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Ass
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. Policy stipulation for managing Bank’s Financial literacy: own E&S footprint, and impact of lending • Bank runs financi
Slide 29: Digital Banking Updates
Digital Banking Updates
Slide 30: Digital Banking Snapshot
Digital Banking Snapshot… ~10.1 Cr. ~ 4.24 L 4.5 Q4 - Monthly Avg Transaction Volume (Inward/Outward) Files processed in Q4 Mobile App Ratings through e sign/stamp D2C 15% 77% 8% platform IMPS UPI RTGS & NEFT 100% 260+ 7 L+ 24.6 k Average Daily API Calls Credit cards onboarded in Q4 Penetration of E
Slide 31: Key Digital Payments Enablement – Q4 Highlights
Key Digital Payments Enablement – Q4 Highlights Distinctive Capabilities & Market Key Enablement and Outcome Presence Multi-pronged Partner-Led delivery: in the industry with 4% market share in 7th Acquiring services to Payment Aggregators processing IMPS transactions as remitter. • Expanding acquir
Slide 32: Continuous Enhancements across Digital Channels
Continuous Enhancements across Digital Channels, Lending, Collection & Onboarding… Retail Customer Other Businesses Corporate Customers ✓ Gift City Customers – Enabled Outward ✓ Real time EMI credit into MFI loan accounts, ✓ Enablement of accessibility features remittance, FCY FD Booking, Internal F
Slide 33: CSR Updates
CSR Updates
Slide 34: CSR Initiatives
CSR Initiatives 1,500 Bicycles Distributed Across India Under UMEED Smt. Rekha Gupta, Hon’ble Chief Minister, Government Shri N A Haris, Member of Karnataka Legislative Smt. Laxmi Verma, Rajya Sabha MP, of National Capital Territory of Delhi, graced the Bank’s Assembly, Shantinagar Constituency, gra
Slide 35: Annexures
Annexures
Slide 36: Board of Directors
Board of Directors Mr. R Subramaniakumar Mr. Chandan Sinha Managing Director and CEO Non-Executive Independent Director (Part Time Chairman) A veteran banker with 40 years of experience; Previously, associated with PNB, Previously, Executive Director, RBI. Career – Central Banker for 35 years Indian
Slide 37: Management Team
Management Team Mr. R Subramaniakumar Mr. Jaideep Iyer Managing Director and CEO Executive Director A veteran banker with 40 years of experience; Previously, associated with PNB, A seasoned banker with a career spanning over 25 years in the financial sector Indian Bank and Indian Overseas Bank Mr. D
Slide 38: Management Team
Management Team Mr. Ravi Pichan Mr. Abhijit Somvanshi Chief Information Officer & Head - Digital Banking Unit Head - Marketing, Communications & Customer Service Previously, associated with Larsen & Toubro Infotech, Capgemini, Barclays & Bank of Previously, associated with ICICI Bank, IL&FS, HSBC, a
Slide 39: Historical Performance
Historical Performance Particulars FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 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 16,014 Deposits 17,099 24,349 34,588 43,902 58,394 57,812 73,121 79,007 84,887 103,494 110,944 139,018 Advances (Net) 1
Slide 40: Thank you
Thank you 40