RBL Bank Limited – Investor Presentation Summary

Key Operational Highlights

  • Net Advances grew by 42% YoY to ₹1,423.14 bn as of September 30, 2026.
  • Wholesale advances grew by 56% YoY to ₹628.49 bn.
  • Retail advances grew 32% YoY to ₹794.65 bn.
  • Secured Retail Advances constitute 65% of Total Retail Advances.
  • Retail : Wholesale mix was 56:44.
  • Deposits grew 34% YoY to ₹1,562.72 bn; excluding FCNR growth was 6% YoY.
  • Overall Average Deposits grew by 24% YoY to ₹1,352.14 bn.
  • Average CASA Deposits grew 5% YoY to ₹325.04 bn.
  • Average CASA ratio at 24.04%.

Key drivers of operational performance: Strong growth across both wholesale and retail segments, with secured retail comprising majority of retail book.

Segment-wise Performance

  • Wholesale Banking: Gross advances contribution by segment - Corporates (44%), Commercial and Supply Chain (31%), Financial Institutions (15%), Other niche segments (11%).
  • Wholesale Advances provided from GIFT city branch was ~₹139 bn as of September 30, 2026.
  • Retail Banking: Comprised multiple products including credit cards, personal loans, microfinance, and secured retail lending.

Explanation of significant changes in segment performance: Wholesale growth outpaced retail growth (56% vs 32% YoY), changing the business mix.

Financial Highlights

Revenue: Net Interest Income of ₹21.31 bn (37% YoY growth)

EBITDA: Not explicitly disclosed in banking terminology; Operating Profit was ₹13.96 bn (92% YoY growth)

PAT: ₹4.82 bn (170% YoY growth)

EPS: Not specified

Margins: NIM was 4.61%

YoY/QoQ comparison: Net Profit grew 170% YoY from ₹1.79 bn in Q2 FY26 to ₹4.82 bn in Q2 FY27

Drivers of financial performance: 37% growth in Net Interest Income, 12% growth in Core Fee Income to ₹10.40 bn, and controlled operating expense growth of 3%

Comparison to market estimates: Not specified

Key Risks: Not explicitly disclosed in the presentation

Geographical Revenue Split

Domestic vs Export/Regional Revenue: Not specified

Balance Sheet Snapshot

Net Debt/Equity: Not specified; Capital adequacy ratio was 30.1% & CET-1 was 29.0% as of September 30, 2026

Reserves: Reserves and Surplus at ₹417.86 bn (171% YoY growth)

Current Assets/Liabilities: Not specified

Working Capital/Leverage Metrics: Not specified

Financial Health Insights: Strong capital position with CAR at 30.1%, healthy growth in reserves

Capex & Cash Flow Health

Capital Expenditure: Not specified

Free Cash Flow: Not specified

Operating Cash Flow: Not specified

Net Debt Movement: Not specified

Investment Rationale: Not explicitly stated

Strategic & R&D Initiatives

Investments in Innovation: Digital banking transformation including 100% penetration of E-sign in MFI business, Account Aggregators integration for credit card onboarding

Expected impact on growth: ~0.21 mn files processed in Q2 through e-sign/stamp platform; 19.9k credit cards onboarded via Account Aggregators

Strategic Rationale: Enhancing digital capabilities and customer onboarding efficiency

Industry Trends & Business Environment

Macro/Industry Trends: Not explicitly discussed

Impact on Company: Not specified

Management Commentary & Growth Outlook

Strategic Outlook: Not explicitly quoted in the presentation

FY Guidance: Not provided

Market Share Targets: Not specified

Risks and Opportunities: Not highlighted

ESG Updates

  • Achieved a CRISIL ESG Score of 71, entering the CRISIL ESG Leadership Band.
  • Policy stipulation for managing Bank's own E&S footprint and impact of lending as per IFC and other International Standards.
  • Initiated independent BRSR Core Assurance starting FY 2025-26.
  • Climate Risk Management: Established exposure thresholds for high-carbon sectors and integrated climate physical risk assessment into underwriting.
  • Voluntary target to achieve Carbon Neutrality in own operations and phase out exposure to coal-based thermal power generation by FY 2034.
  • Women representation at 24.63% with target to reach 30% by 2027.
  • Digital financial literacy programs benefiting women in rural locations.
  • Sustainable finance and financial inclusion products focused on unbanked women and sustainable agriculture.
  • Corporate Social Responsibility: Funded 4 projects in FY26-27 across Health, Education and Livelihoods Opportunities, including Project "Khwaish" for cancer treatment support.

Digital Banking Updates

  • 100% penetration of E-sign in MFI business
  • 12% IMPS, 82% UPI, 6% RTGS & NEFT transaction mix
  • ~0.21 mn files processed in Q2 through e-sign/stamp platform
  • 5 L+ average daily API calls in Q2 FY27 under RDA (33% growth vs Q1 FY27)
  • 19.9k credit cards onboarded in Q2 via Account Aggregators Integration
  • ~0.61 mn PPI Customers since inception
  • ~0.77 mn active unique POS merchants
  • ~0.85 mn total active UPI Handle
  • 400+ partnerships/Corporates