RBL Bank Q1 FY 2025-26 Quarterly Results
- 2d ago
Result Summary
- RBL Bank Ltd reported a 7.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1FY26). On a year-on-year (YoY) basis, it witnessed a growth of 5.6%.
- Its expenses for the quarter were up by 14.4% QoQ and 10.6% YoY.
- The net profit decreased 41.2% QoQ and decreased 39.0% YoY.
- The earnings per share (EPS) of RBL Bank Ltd stood at 3.5 during Q1FY26.
Financial Statments for Q1FY26
| (₹ crores) | Q1FY26 | Q4FY25 | Q1FY25 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 4512.57 | 4214.99 | 4272.06 | 7.1% | 5.6% |
Total Expenses | 3792.78 | 3315.30 | 3430.36 | 14.4% | 10.6% |
Provisions & contingencies | 442.32 | 413.79 | 366.28 | 6.9% | 20.8% |
Profit Before Tax | 277.47 | 485.90 | 475.42 | -42.9% | -41.6% |
Tax | 63.25 | 121.47 | 124.37 | -47.9% | -49.1% |
Profit After Tax | 214.22 | 364.43 | 351.05 | -41.2% | -39.0% |
Earnings Per Share | 3.50 | 5.90 | 5.70 | -40.7% | -38.6% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
RBL Bank Ltd is a significant player in the Indian banking industry, offering a range of banking products and financial services. Established in 1943, it has gradually evolved into a modern, innovative banking institution. The company primarily focuses on corporate and institutional banking, commercial banking, retail banking, agricultural finance, and financial inclusion. RBL Bank has been known for its robust customer service and digital transformation initiatives, which have positioned it well in the competitive banking sector. Recent developments in the industry include an emphasis on digital banking services and enhancing customer experience through technological advancements, aligning with broader trends of digital transformation in the financial sector.
RBL Bank Revenue
In Q1FY26, RBL Bank Ltd reported a total income of ₹4512.57 crores, marking a 7.1% increase from the previous quarter (Q4FY25) and a 5.6% rise compared to the same quarter in the previous year (Q1FY25). This growth in revenue is reflective of the bank's ability to increase its income streams amidst a competitive market environment. The quarter-over-quarter growth indicates an upward trend in revenue generation, contributing to the bank's overall financial health. The year-over-year increase further underscores the bank's steady performance in enhancing its income over the years.
RBL Bank Profitability
For the first quarter of FY26, RBL Bank's profit before tax was ₹277.47 crores, which represents a significant decrease of 42.9% from the previous quarter and a 41.6% decline from the same quarter last year. The profit after tax for Q1FY26 stood at ₹214.22 crores, reflecting a decrease of 41.2% quarter-over-quarter and 39.0% year-over-year. Earnings per share also fell to ₹3.50, showing a decline of 40.7% from the previous quarter and 38.6% from the previous year. These figures illustrate the challenges faced by the bank in maintaining profit margins amidst rising expenses and provisions.
RBL Bank Operating Metrics
RBL Bank Ltd's total expenses for Q1FY26 were ₹3792.78 crores, which increased by 14.4% from the previous quarter and 10.6% from the previous year. The provisions and contingencies for the same period amounted to ₹442.32 crores, showing a 6.9% increase quarter-over-quarter and a 20.8% increase year-over-year. The tax expense for the quarter was ₹63.25 crores, decreasing by 47.9% from Q4FY25 and 49.1% from Q1FY25. These figures highlight the bank's operational cost management and provisioning practices, which are crucial for assessing its financial stability and risk management strategies.