RBL Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
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Awaiting price reaction for this filing.
RBL Bank reported a sharp 46% year-on-year drop in standalone net profit to ₹200.33 crore for Q1FY26, down from ₹371.52 crore in Q1FY25, though profit more than doubled sequentially from ₹68.70 crore in Q4FY25. Total income rose modestly to ₹4,510.57 crore (up ~4.9% YoY) helped by a 33% jump in other income to ₹1,069.48 crore, while net interest income fell as interest expenses climbed 9% to ₹1,960.43 crore. Operating profit before provisions fell ~18% YoY to ₹702.95 crore and provisions rose ~21% to ₹442.32 crore, weighing on earnings. Asset quality was mixed with Gross NPA rising to 2.78% (from 2.69% YoY) but Net NPA improving to 0.45% (from 0.74% YoY); Capital Adequacy Ratio stood at 15.42%. The retail banking segment posted a pre-tax loss of ₹166.52 crore while treasury contributed ₹262.06 crore in profit.
Lower profits driven by higher costs and provisions despite income growth are likely to weigh on the stock in the short term, though the sequential profit recovery and improvement in net NPAs offer some comfort for shareholders.