RBL Bank Q1 Results: Net profit reduces 46% Yoy from 200 crores; NII Down 13%

RBL Bank, a private sector NDER, on Saturday, paid Rs. A single net profit of 200.33 crore was registered, which was Rs. There was a 46% year-year-old decline compared to a profit of Rs 371.52 crore, as weak interest income and increasing costs weighing its influence.

The RBL Bank said its net interest income (NII) has increased 13% Yoy 1,481 crore compared to Rs 1,700 crore a year ago, and in the March 2025 quarter, Rs. Compared to 1,563 crore, 5% has fallen. The bank’s net interest margin (NIM) was 4.50%for Q1 Fiscal Year 26.

Operating pearning profit fell 18% Yoy to 703 crore, with the impact of a decline in bank insecure credit and a recent repo rate reduction. Meanwhile, Q1 is Rs. Operating costing costs are 12% yoy 1,847 crore compared to 1,646 crore.

Despite this pressure, net total income has increased 2% annually.

Velocity pace led by loose growth

The total deposits of the bank increased 11% to Rs. 1,12,734 crore. CASA deposits also increased 11% to Rs. 36,614 crore, which retains CASA ratio 32.5%.

The granular deposits defined as deposits below 3 crores, 16% yoy and 5% quarter-on-quarter increased to Rs. 57,934 crore, which now includes 51.4% of the bank’s total deposit base.

Capital and liquidity remain strong

RBL Bank said it was well capitalized for medium -term development. Its total capital adequacy ratio is 15.59% by June 30, 2025, which is more than 15.56% a year ago. The general equity tier-1 (CET 1) ratio has increased to 14.05%of the year-by-year 20 basis points.

The average liquidity coverage ratio (LCR) for Q1 FY26 was 152%, indicating high quality fluid assets.

Asset quality frozen despite being uptick in Gross NPA

Gross non-performing assets (GNPA) rose slightly to 2.78% compared to 2.69% a year ago by June 30, 2025. However, the net NPA has improved by 0.45% below 0.45% in the same period last year.

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The bank reported the coverage ratio of the provision, including a technical writing-off of 94.2%. The total provisions that include precise, general and contingent buffers were about 105% of the total NPA, which shows the Rs Conn Child Risk posture.

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