Q4 2026 RBL Bank Ltd Earnings Call Transcript

Apr 25, 2026 / 10:00 AM GMT

Transcript

Key Points

Positve

RBL Bank Ltd (BOM:540065) reported a strong growth in advances, which increased by 23% year-on-year to INR 114,232 crore.
Deposits grew by 25% year-on-year to INR 139,018 crore, with a comfortable CD ratio of 82.2%.
The bank's secured retail assets grew significantly by 36% year-on-year, enhancing balance sheet resilience.
RBL Bank Ltd (BOM:540065) issued 3.3 lakh credit cards during the quarter, marking a sequential increase in cards in force.
The bank's net profit for the quarter increased to INR 230 crore, up from INR 69 crore in the same period last year.

Negative

Net interest margin reduced by 22 basis points during Q4, primarily due to a decrease in yield on advances.
Credit card slippages remain elevated, contributing significantly to the bank's provisioning costs.
The bank's cost-to-income ratio remains relatively high at 65.1%, indicating room for operational efficiency improvements.
RBL Bank Ltd (BOM:540065) faces challenges in maintaining deposit growth momentum, particularly in the context of high-cost deposits.
The bank's capital position showed a slight decline, with total capital at 14.25% and CET1 at 12.8% as of December 31, 2025.

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

RATB.NS - RBL Bank Ltd
Q4 2026 RBL Bank Ltd Earnings Call
Apr 25, 2026 / 10:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen

Good day and welcome to RBL Bank Limited's Q4 F 26 earnings conference call.

As a reminder, all partment 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 pressingar then 0 on your touchstone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr.

R.

Subramani Kumar, managing director and CEO of RBL Bank.

Thank you and over to you, Mr.

Kumar.

Thank you, ma'am.

First of all, my apologies for a couple of minutes late.

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