RBL Bank Limited (RBLBANK) Earnings Call Transcripts

RBL Bank Limited's Latest Earnings Call - Q4 FY2026

RBL Bank Limited reported its Q4 FY '26 earnings, showcasing a robust growth trajectory with advances up 23% YoY to INR 1,14,232 crores and deposits increasing by 25% YoY to INR 1,39,018 crores. The bank's net profit rose to INR 230 crores, a significant improvement from INR 69 crores in the same quarter last year. Management highlighted a strategic focus on secured retail assets and a balanced portfolio mix, supported by a forthcoming capital infusion from Emirates NBD Bank. This capital is expected to enhance growth capabilities and improve cost efficiencies. The bank's guidance suggests a cautious yet optimistic outlook for FY '27, with an emphasis on maintaining a scalable and profitable growth model.

Reported metrics

Guidance from management

Management expects to maintain a growth rate in the 20% range, focusing on secured retail assets and leveraging the capital infusion from Emirates NBD Bank to enhance growth and profitability. The guidance for FY '27 remains optimistic, with a focus on scalable and profitable growth.

What management said

So on the transient, so approximately INR 5,000 crores was the transient flow for the last few days in March and first couple of days in April. So that's the translation. And on deposit growth, you're right, I think we will kind of deemphasize high-cost deposits still we exhaust the equity funding that will come through in the near term. And I think that ability to exhaust that should be, give or take 9 to 12 months,...

However, we will continue our efforts. Just on -- however, we will continue -- we will not let go over efforts of retail deposits, because it is LCR accretive, and we'll be focusing on that, which has been growing in the range of around 25%. We'll try to continue to grow that in that range.

What analysts pressed on

Analysts expressed concerns about the sustainability of NIMs given the changes in the advances mix and the impact of repo rate cuts. There were also questions about the elevated slippages in the credit card portfolio and the potential impact on credit costs.

Main topics on the call

• Advances and Deposit Growth — RBL Bank's advances grew 23% YoY to INR 1,14,232 crores, while deposits increased by 25% YoY to INR 1,39,018 crores. The CD ratio stands at 82.2%. Management noted, 'The deposit momentum was also helped by growth in the ...
• Net Interest Margin (NIM) — The bank's NIM reduced by 22 bps during Q4 FY '26 due to a 50 bps reduction in yield on advances, primarily from a repo rate cut and changes in the advances mix. This was partially offset by a 28 bps reduction in the cos...
• Credit Card Business — RBL Bank issued 3.3 lakh credit cards during Q4 FY '26, increasing the total cards in force to 4.63 million. Management emphasized, 'This includes co-brand cards where sourcing is done by RBL team.'
• Asset Quality — The bank's GNPA ratio decreased by 43 bps QoQ to 1.45%, and NNPA reduced by 15 bps QoQ to 0.39%. The coverage ratio was at 73.6%. Management stated, 'Net slippage in the wholesale was again flattish, in fact, negative IN...

Read the full RBL Bank Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 28 RBL Bank Limited earnings call transcripts on record, spanning January 22, 2020 to July 17, 2026. Based on this history, RBL Bank Limited reports quarterly. The most recent call on file is dated July 17, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

RBLBANK

Exchange

NSEI

Country

IN

Sector

Financials

Industry

Banks

Calls on record

28

First call

January 22, 2020

Most recent

July 17, 2026

Reporting cadence

quarterly