RBL Bank Q1 FY27 Net Profit Up 27% YoY to ₹254 Crore; Operating Profit Grows 31%
RBL Bank reported Q1 FY27 Net Profit of ₹254 crore, up 27% YoY. Operating profit grew 31% YoY to ₹923 crore. NII increased 12% YoY to ₹1,654 crore. Net Advances grew 23% YoY to ₹116,223 crore. Total Deposits rose 11% YoY to ₹124,829 crore. Emirates NBD infused ~₹260 billion.
The results show strong financial performance and growth metrics. The substantial capital infusion from a major entity like Emirates NBD and a credit rating upgrade to 'AAA' are highly significant for the bank's future stability and expansion.
The bank reported significant year-on-year growth in net profit and operating profit, along with healthy advances and deposit growth. The capital infusion from Emirates NBD and credit rating upgrade further strengthen the positive outlook.
RBL Bank Limited announced its unaudited financial results for the quarter ended June 30, 2026. The Board of Directors approved these results at a meeting held on July 17, 2026.
For the first quarter of FY27, the Bank reported a Net Profit of ₹254 crore, marking a year-on-year growth of 27%. Operating profit increased by 31% year-on-year to ₹923 crore. Net Interest Income (NII) grew 12% year-on-year to ₹1,654 crore, with Net Interest Margin (NIM) at 4.13%. Other Income saw a 10% year-on-year decline to ₹959 crore, while Core Fee Income grew by 16% year-on-year to ₹923 crore. Operating Expenses decreased by 8% year-on-year to ₹1,691 crore, leading to an improved Cost to Income ratio of 64.7% from 72.4% in the same quarter last year.
Net Advances grew by 23% year-on-year to ₹116,223 crore, with the Retail to Wholesale mix at 55:45. Retail Advances increased by 13% year-on-year to ₹64,196 crore, comprising secured retail advances up 18% YoY and unsecured retail advances up 8% YoY. Wholesale advances grew by 38% year-on-year to ₹52,027 crore.
Total Deposits grew 11% year-on-year to ₹124,829 crore. CASA deposits stood at ₹36,468 crore, with a CASA Ratio of 29.2%. Granular Deposits (less than ₹3 crore) grew by 13% year-on-year to ₹65,365 crore, constituting 52.4% of total deposits.
The Bank reported strong capital adequacy, with Total Capital Adequacy at 33.3% and CET1 at 32.2% as of June 30, 2026. The Liquidity Coverage Ratio (LCR) for the quarter averaged 133%.
Asset quality showed improvement, with Gross NPA at 1.30% and Net NPA at 0.37% as of June 30, 2026. The Provision Coverage Ratio, including technical write-offs, was 94.94%.
During the quarter, Emirates NBD Bank (ENBD) infused approximately USD 2.75 billion (~₹260 billion) through a preferential issue, acquiring a 60% stake and becoming the promoter. Mr. R Subramaniakumar, MD & CEO, highlighted the positive impact of this capital infusion and the Bank's upgrade to 'AAA' long-term credit ratings.
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