RBL Bank Limited (RBLBANK) — Financial Results

1 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
RBL Bank reported standalone net profit of Rs. 2,537 million for Q1 FY27, a 27% YoY increase driven by 12% growth in net interest income to Rs. 16,544 million and 16% growth in core fee income to Rs. 9,233 million.

🔄 What Changed
Net profit increased 27% YoY to Rs. 2,537 million; capital adequacy ratio reached 33.3%; GNPA ratio declined 148 bps YoY to 1.30%; Emirates NBD holds 60% of expanded share capital.

🔮 What's Next
The Amalgamation of the three branches of ENBD operating in India into RBL Bank is awaiting final approvals from authorities.

💡 Investor Takeaway
The bank delivered strong profitability growth with improving asset quality and capital position, supported by strategic investment from Emirates NBD.

RBL Bank reported standalone net profit of Rs. 2,537 million for Q1 FY27, a 27% YoY increase driven by 12% growth in net interest income to Rs. 16,544 million and 16% growth in core fee income to Rs. 9,233 million. Operating profit rose 31% YoY to Rs. 9,228 million, while provisions increased 35% YoY to Rs. 5,993 million. The bank's capital adequacy ratio stood at 33.3% as of June 30, 2026, with GNPA ratio declining 148 bps YoY to 1.30%. Emirates NBD holds 60% of the expanded share capital following a USD 2.75 billion investment.

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

Revenue: ₹1,654 CrNet Profit: ₹254 Cr

📢 Key Event
RBL Bank announces unaudited Q1 FY27 financial results with net profit of ₹254 crore

🔄 What Changed
Net profit up 27% YoY; operating profit up 31% YoY; NII up 12% YoY; operating expenses down 8% YoY; gross NPA down 148 bps YoY; capital adequacy up to 33.3%

🔮 What's Next
The bank expects to leverage the recent capital raise to invest and scale, aiming to build a resilient and relevant bank for customers

💡 Investor Takeaway
The bank's profitability and capital position have significantly improved, with strong deposit and advance growth and enhanced asset quality.

RBL Bank reported Q1 FY27 net profit of ₹254 crore, up 27% YoY, driven by 31% YoY growth in operating profit to ₹923 crore and 12% YoY rise in NII to ₹1,654 crore with NIM at 4.13%. Other income declined 10% YoY to ₹959 crore, while operating expenses fell 8% YoY to ₹1,691 crore, improving cost-to-income ratio to 64.7%. Retail advances grew 13% YoY to ₹64,196 crore, and total deposits rose 11% YoY to ₹124,829 crore, with granular deposits at 52.4% of total. Capital adequacy surged to 33.3% as of June 30, 2026, from 14.2% in March 2026, and CET1 capital reached 32.2%. Gross NPA declined to 1.30% from 2.78% YoY, reflecting improved asset quality.