| Revenue growth | Net Total Income grew 29% YoY; NII up 37% YoY. |
|---|---|
| Margins | NIM at 4.61%; expected to dip next quarter, recover in Q4. |
| Demand visibility | Credit demand robust across banking system; credit card growth continues. |
| Management confidence | Balanced; optimistic on credit quality, cautious on rural monsoon impact. |
Growth
Advances grew 42% YoY; wholesale and secured retail leading growth trajectory.
Outlook
Targeting normalized 5-6% quarterly loan growth and lower credit costs in H2.
Risks
Unsecured retail slippages and credit card costs remain elevated despite normalization.
Last quarter's promises, checked
Delivered
- Guided 60% ownership by ENBD → Delivered 60% shareholding (= BEAT)
- Guided rating upgrade to AAA → Delivered AAA rating (assigned Jul 2026) (= BEAT)
- Guided focus on wholesale and secured retail → Delivered 56% & 52% YoY growth respectively (= BEAT)
Partly delivered
- Targeted credit cost reduction → Current costs remain elevated despite management optimism (= PARTIAL)
Missed
- Targeted branch merger implementation → Delayed/pending RBI guidelines (= MISS)
Earnings Call Transcript filed with NSE, NSE: RBLBANK. Summary written with AI assistance from the document.
RBL Bank Ltd: key numbers
- Share price
- ₹349.95
- Market cap
- ₹54,322 Cr
- Revenue (annual)
- ₹14,337 Cr
- Net profit (annual)
- ₹879.0 Cr
- P/E (TTM)
- 45.1×Sector 19.7×
- Promoter holding
- 59.88%-0.12% QoQ
- FII holding
- 8.70%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from RBL Bank Ltd
All →RBL Bank Annual General Meeting
RBL Bank seeks shareholder approval via postal ballot for remuneration of its MD & CEO, an Executive Director and a retired ED. Voting runs October 28 to November 26, 2026.
RBL Bank Employee Stock Options
RBL Bank allotted 5,28,745 ESOP shares to employees following exercise of vested options on October 26, 2026. Paid-up capital rose to 155.28 crore shares.
RBL Bank Regulatory Approval
RBL Bank has received RBI approval for the amalgamation of Emirates NBD Bank's Indian branches. The integration is effective from December 01, 2026.
RBL Bank Management Change
RBL Bank announced the appointment of Mr. Ashwini Kumar Choudhary as Chief Risk Officer and the re-appointment of Mr. Prakash Gupta as Chief Compliance Officer.
RBL Bank Investor Presentation: Key Takeaways
RBL Bank reports strong Q2 FY27 performance with Net Profit surging 170% YoY to ₹4.82 bn. Growth driven by 37% NII expansion and significant improvement in asset quality.
RBL Bank Q2 FY27 Results: Net Profit ₹498.4 Cr, Up 158.9% YoY
RBL Bank Ltd reported revenue from operations of ₹4,322 Cr (+23.2% YoY) and net profit of ₹498.4 Cr (+158.9% YoY) for Q2 FY27.
- Key figure
- Net profit ₹498.4 Cr · +158.9% YoY