Q2 2026 RBL Bank Ltd Earnings Call Transcript

Oct 19, 2025 / 08:30 AM GMT

Transcript

Key Points

Positve

RBL Bank Ltd (BOM:540065) announced a strategic transaction with Emirates NBD, which will invest approximately $3 billion to acquire a 60% stake, significantly boosting the bank's capital base.
The bank's advances crossed significant milestones, with secured business loans reaching 10,000 crore and secured working capital and tractor finance portfolios crossing 2,000 crore and 3,000 crore respectively.
Granular deposits have grown consistently, with term deposits below 3 crores growing at a CAGR of 1% over the last three years.
The secured retail and commercial SME businesses continue to grow healthily, contributing to the bank's profitability.
The partnership with Emirates NBD is expected to bring global banking expertise, digital innovation capabilities, and access to the trade corridor between India and the Middle East, enhancing RBL Bank's growth prospects.

Negative

The credit card segment remains an area of focus due to stress in the vintage portfolios, indicating potential challenges in managing credit risk.
Despite the strategic transaction, the bank will need several months to consummate the deal, which may delay immediate benefits.
The bank's cost of deposits is approximately 1% higher than larger private sector banks, indicating a competitive disadvantage in terms of funding costs.
There is a potential for increased credit costs due to the transition to Expected Credit Loss (ECL) provisioning, which could impact profitability.
The bank's retail unsecured loans have reduced from 34% to around 26% over the past six quarters, indicating a shift away from higher-margin products.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

RATB.NS - RBL Bank Ltd
Q2 2026 RBL Bank Ltd Earnings Call
Oct 19, 2025 / 08:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good and welcome to RPL Bank Limited Q2 FY26 earnings conference call.

As a reminder, all parin lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchtone phone. Please note that this conference is being recorded.

I now hand the conference over to Mr. R. Subramanya Kumar, managing director and CEO of RBL Bank.

Thank you and over to you, Mr. Kumar.

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Unidentified_2 [2]
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