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RBL Bank
RBL Bank (RBLBANK) investor relations material
RBL Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary17 Jan, 2026
Executive summary
Net advances grew 14% YoY and 3% sequentially to INR 1,03,086 crore, with retail advances up 10% YoY and wholesale banking advances up 21% YoY; deposits increased 12% YoY and 3% sequentially to INR 1,19,721 crore, with granular deposits (<INR 3 crore) growing 15% YoY and 4% sequentially, now constituting 51.5% of total deposits.
Net profit for Q3 FY26 reached Rs. 214 crore, impacted by one-off pre-tax expenses of Rs. 32 crore due to wage revisions under new labor codes effective November 2025.
Branch expansion accelerated, with 18 new branches added in the quarter; plans to reach 800 branches by next March and 2,000 in three years.
The Board approved a preferential issue of shares to Emirates NBD Bank, which will become the promoter, and a scheme of amalgamation with its India branch, pending regulatory approvals.
Total consolidated income for Q3 FY26 was ₹471,841 lakh, up from ₹461,047 lakh in Q3 FY25 and ₹444,159 lakh in Q2 FY26.
Financial highlights
NII rose 5% YoY and 7% sequentially to INR 1,557 crore; NIM improved to 4.63% from 4.51% sequentially.
Other income grew 13% YoY to INR 1,050 crore (excluding a one-off investment benefit in Q3 FY25).
Core fee income increased 10% YoY and 3% sequentially to INR 959 crore.
Cost-to-income ratio improved to 62.5% in Q3 FY26 from 66.4% in Q3 FY25.
Provisions and contingencies for Q3 FY26 were ₹63,927 lakh, down from ₹118,890 lakh in Q3 FY25.
Outlook and guidance
Margins expected to improve marginally in Q4 FY26, even after a 20-25 bps repo cut, due to further term deposit repricing and better yielding assets.
Credit card slippages expected to remain elevated for two more quarters, with normalization anticipated by September FY27.
Branch expansion and capital infusion from Emirates NBD expected to drive accelerated growth and footprint expansion.
Focus on stable loan and deposit growth, with continued emphasis on retail and granular deposits.
The bank is awaiting statutory and regulatory approvals for the preferential issue and amalgamation scheme with Emirates NBD Bank.
Update on Emirates NBD Bank's promoter status
Retail Banking segment profit/loss trend
Amount of loans acquired via assignments
How will capital infusion be specifically deployed?
Credit card business: long-term growth & profitability?
Branch expansion: OpEx impact & breakeven timeline?
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Next RBL Bank earnings date
Q4 25/2630 Apr, 2026
RBL Bank
Next RBL Bank earnings date
Q4 25/2630 Apr, 2026
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