Key Financial Figures (Standalone)

Quarter Ended September 30, 2026 (Q2 FY27):

  • Interest Earned: ₹432,209 lakh
  • Other Income: ₹107,736 lakh
  • Total Income: ₹539,945 lakh
  • Interest Expended: ₹219,116 lakh
  • Operating Expenses: ₹181,216 lakh
  • Employees Cost: ₹55,899 lakh
  • Other Operating Expenses: ₹125,317 lakh
  • Operating Profit before provisions: ₹139,613 lakh
  • Provisions and Contingencies: ₹76,653 lakh
  • Profit before tax: ₹62,960 lakh
  • Tax Expense: ₹14,783 lakh
  • Net Profit after tax: ₹48,177 lakh
  • Paid-up equity share capital: ₹155,164 lakh (Face Value ₹10 each)

Half Year Ended September 30, 2026 (H1 FY27):

  • Net Profit after tax: ₹73,547 lakh

Comparative Figures (YoY):

  • Q2 FY26 Net Profit: ₹17,852 lakh (127% increase YoY)
  • H1 FY26 Net Profit: ₹37,885 lakh (94% increase YoY)
  • FY26 Audited Net Profit: ₹82,244 lakh

Analytical Ratios (Standalone)

  • Capital Adequacy Ratio (Basel III): 30.10% (vs 14.71% YoY)
  • Basic EPS: ₹3.11 (Q2 FY27); ₹6.38 (H1 FY27)
  • Diluted EPS: ₹3.09 (Q2 FY27); ₹6.32 (H1 FY27)
  • Gross NPA: ₹145,612 lakh (1.02% vs 2.32% YoY)
  • Net NPA: ₹41,543 lakh (0.29% vs 0.57% YoY)
  • Return on Assets (annualized): 0.92% (Q2 FY27); 0.76% (H1 FY27)
  • Net Worth: ₹4,206,136 lakh
  • Debt-Equity Ratio: 0.31

Segment Performance (Standalone, Q2 FY27)

  • Corporate/Wholesale Banking: Revenue ₹243,404 lakh; Profit ₹25,199 lakh
  • Retail Banking: Revenue ₹448,964 lakh; Loss ₹(18,093) lakh
  • Treasury: Revenue ₹321,195 lakh; Profit ₹47,980 lakh
  • Other Banking Operations: Revenue ₹7,870 lakh; Profit ₹7,870 lakh

Consolidated Financials

Quarter Ended September 30, 2026:

  • Net Profit after tax before minority interest: ₹49,836 lakh
  • Profit after tax: ₹49,836 lakh
  • Basic EPS: ₹3.22
  • Diluted EPS: ₹3.19

Half Year Ended September 30, 2026:

  • Profit after tax: ₹73,259 lakh
  • Basic EPS: ₹6.35
  • Diluted EPS: ₹6.30

Capital Structure Impact

  • Emirates NBD Bank (P.J.S.C.) invested ₹26,015.77 crore through a preferential allotment of 929,134,820 equity shares at ₹280 per share on June 18, 2026, following RBI approval on April 1, 2026.
  • This resulted in Emirates NBD holding 60% of the expanded paid-up equity share capital, becoming the Bank's promoter, and the Bank becoming a subsidiary of Emirates NBD.
  • The Bank allotted 3,084,448 shares in Q2 FY27 and 4,396,257 shares in H1 FY27 pursuant to ESOP exercises.
  • Paid-up equity share capital increased to ₹155,164 lakh as of September 30, 2026, from ₹61,811 lakh as of March 31, 2026.

Strategic Developments

  • The Board approved a Scheme of Amalgamation of Emirates NBD Bank (P.J.S.C.) - India Branch with and into the Bank under Section 44A of the Banking Regulation Act, 1949, with an appointed date of April 1, 2026.
  • The scheme was approved by shareholders on November 12, 2025, and is subject to RBI approval.

Asset Quality and Provisions

  • Provisions (other than tax) and contingencies stood at ₹76,653 lakh for Q2 FY27 and ₹136,581 lakh for H1 FY27.
  • The Bank held one wholly owned subsidiary, RBL Finserve Limited.
  • Details provided on restructured accounts under COVID-19 resolution frameworks, co-lending arrangements, and projects under implementation.

Cash Flow Statement (Standalone, H1 FY27)

  • Net cash used in operating activities: ₹(2,104,051) lakh
  • Net cash used in investing activities: ₹(8,137) lakh
  • Net cash from financing activities: ₹2,247,940 lakh (primarily from share issue proceeds of ₹2,606,016 lakh)
  • Net increase in cash: ₹136,218 lakh
  • Closing cash and cash equivalents: ₹2,442,651 lakh

#Tags: #RBLBank #Q2Results #SEBIDisclosure #BankingResults #FinancialUpdate #Positive