RBL Bank Announces Audited Results For Q4 And FY26

Net profit for the fourth quarter rose by 234 per cent year on year to Rs 2,300 million (mn), while full year net profit increased by 18 per cent to Rs 8,220 mn. Net interest income for the quarter was Rs 16,710 mn with a net interest margin of 4.41 per cent. Other income was Rs 10,690 mn, and core fee income was Rs 10,570 mn. Operating profit for the quarter reached Rs 9,550 mn as operating expenses were contained at Rs 17,850 mn and cost-to-income was 65.1 per cent.

Net advances grew by 23 per cent year on year and 11 per cent quarter on quarter to Rs 1,142.32 billion (bn), with a retail to wholesale mix of 59:41. Retail advances were Rs 671.19 bn, and secured retail advances amounted to Rs 402.07 bn. Total deposits rose by 25 per cent year on year to Rs 1,390.18 bn while CASA deposits increased to Rs 467.23 bn, and the CASA ratio was 33.6 per cent. Granular deposits under Rs 3 crore stood at Rs 639.43 bn.

The bank reported total capital adequacy of 14.25 per cent and a common equity tier one ratio of 12.77 per cent as at 31 March 2026. Asset quality improved with gross non-performing assets at 1.45 per cent and net non-performing assets at 0.39 per cent, while provision coverage, including technical write-offs, was 94.9 per cent. The average liquidity coverage ratio for the quarter was 130 per cent.

Distribution reach expanded with the addition of 23 branches, taking the network to 603 branches and 1,942 touchpoints, including business correspondent outlets. Management indicated that regulatory approvals had been received for a strategic investment by Emirates NBD P.J.S.C and emphasised continued focus on disciplined execution and scaling cross-sell to deepen customer relationships.