RBL Bank announced Q1FY26 results Net Profit for Q1FY26 was Rs 200 crore o Operating profit for Q1FY26 de-grew 18% YoY to Rs 703 crore, mainly due to lower unsecured advances and repo rate cut. Net Interest Income (NII) for Q1FY26 de-grew by 13% YoY to Rs 1,481 crore, NIM was 4.50%. Other Income for Q1FY26 grew 33% YoY to Rs 1,069 crore o Operating Expenses for Q1FY26 grew 12% to Rs 1,847 crore. Cost to Income for Q1FY26 at 72.4% o Net Total Income for Q1FY26 grew 2% YoY to Rs 2,550 crore. Deposits Growth predicated on Granular Retail Deposits: Total Deposits grew 11% YoY to Rs 112,734 crore. CASA grew 11% YoY to Rs 36,614 crore. CASA ratio at 32.5%. Granular Deposits i.e. deposits less than Rs 3 crore grew 16% YoY & 5% QoQ to Rs 57,934 crore; at 51.4% of total deposits Advances Growth with focus on secured retail assets & commercial banking: Net Advances grew 9% YoY to Rs 94,431 crore. Secured Retail Advances grew 23% YoY. Retail Advances book grew 5% YoY to Rs 56,625 crore. Commercial Banking grew 32% YoY. Retail: Wholesale advances mix at 60:40. Well capitalized for medium term growth with healthy liquidity: Total capital adequacy improved 3bps YoY to 15.59% vs 15.56% as of 30th June 2024; Common Equity Tier 1 (CET 1) ratio improved 20bps YoY to 14.05% vs 13.85% as of 30th June 2024. Average Liquidity Coverage Ratio for Q1FY26 it was 152% Asset Quality Trend: Gross NPA ratio as at 30 th June 2025 at 2.78% vs 2.69% as at 30th June 2024. Net NPA ratio as at 30 th June 2025 at 0.45% vs. 0.74% as at 30th June 2024. Overall Provision Coverage Ratio including technical write offs was 94.2%. The total provisions of the Bank including specific, general and contingent provision at 105% of GNPA. Expanding Distribution Presence: As of 30st June 2025, the Bank has 2,036 total touchpoints of which 562 are bank branches and 1,474 business correspondent branches. Of 1,474 BC branches, 297 are banking outlets. RBL Finserve Limited (“RBL Finserve”), a 100% subsidiary of the Bank, accounts for 1,167 business correspondent branches. R Subramaniakumar, MD & CEO, RBL Bank said: “We have navigated a challenging environment with resilience and discipline, delivering strong momentum in secured retail and commercial banking while deepening our granular deposit base. During Q1FY26, slippages in the JLG portfolio have moderated, with SMA levels reverting to Q1FY25 level. The core engine remains robust—anchored in disciplined execution, profitability-driven growth, and a sharp customer focus. We are pleased to report steady performance this quarter and continued progress on our key priorities”. Result PDF