RBL Bank Q2 FY26 Net Profit at ₹179 crore; NII grows 5% QoQ; Investor Presentation and Earnings Call Scheduled
RBL Bank reported Q2 FY26 standalone net profit of ₹179 crore, with NII up 5% QoQ and advances up 6% QoQ. Asset quality improved, and an investor presentation was released.
The announcement provides detailed quarterly financial results and an investor presentation, which are key disclosures for investors. The upcoming earnings call further facilitates investor engagement. However, the mixed financial performance, with some key figures showing YoY declines despite QoQ growth, suggests a medium rather than high impact.
While Net Profit and Operating Profit saw a year-on-year decline, the bank demonstrated sequential growth in Net Interest Income and advances. Asset quality metrics improved with reduced GNPA and NNPA. Core fee income also showed strong sequential growth, indicating a mixed performance.
* RBL Bank announced its unaudited standalone financial results for the quarter and half year ended September 30, 2025. * Q2 FY26 Standalone Financial Highlights: * Net Profit was ₹179 crore, a decrease of 20% year-on-year and 11% quarter-on-quarter from ₹200 crore in Q1 FY26. * Net Interest Income (NII) for Q2 FY26 grew 5% quarter-on-quarter to ₹1,551 crore, though it was down 4% year-on-year. * Net Interest Margin (NIM) stood at 4.51%. * Core Fee Income for Q2 FY26 grew 17% quarter-on-quarter to ₹926 crore, marking a 13% year-on-year increase. * Operating Profit for Q2 FY26 grew 4% quarter-on-quarter to ₹728 crore, but decreased 20% year-on-year. * Provisions for the quarter were ₹500 crore, down 19% year-on-year but up 13% quarter-on-quarter. * Balance Sheet Highlights (as of September 30, 2025): * Advances grew by 14% year-on-year and 6% quarter-on-quarter to ₹100,529 crore, with a Retail:Wholesale mix of 60:40. * Retail advances grew 10% year-on-year and 6% quarter-on-quarter to ₹60,131 crore. Secured retail advances increased 30% year-on-year and 10% quarter-on-quarter. * Wholesale advances grew 22% year-on-year and 7% quarter-on-quarter to ₹40,397 crore. * Overall deposits grew by 8% year-on-year and 3% quarter-on-quarter to ₹116,667 crore. * CASA deposits increased 3% year-on-year to ₹37,169 crore, with the CASA ratio at 31.9%. * Granular Deposits (less than ₹3 crore) grew 14% year-on-year to ₹59,443 crore, representing 51.0% of total deposits. * Asset Quality (as of September 30, 2025): * Gross Non-Performing Assets (GNPA) decreased by 55 basis points year-on-year to 2.32%. * Net Non-Performing Assets (NNPA) decreased by 22 basis points year-on-year to 0.57%. * Provision Coverage Ratio (PCR) stood at 75.92%, with PCR including Technical Write-off at 92.74%. * Credit cost for Q2 FY26 was 54 basis points. * Capital Adequacy (as of September 30, 2025): * Capital adequacy ratio & CET-1 (including H1 FY26 profits) was 15.02% & 13.51% respectively. * The bank has also enclosed a Press Release on the unaudited standalone financial results and an Investor Presentation for the quarter and half year ended September 30, 2025. * An earnings call with analysts and investors to discuss the financial results is scheduled for October 19, 2025. The audio recording and transcript will be made available on the bank's website.
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RBL Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by RBL Bank Limited. Read the original for the full detail.