RBL Bank's Q3 FY 2025-26 Quarterly Results
- 3d ago
Result Summary
- RBL Bank Ltd reported a 6.2% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 2.3%.
- Its expenses for the quarter were up by 2.5% QoQ and 5.3% YoY.
- The net profit increased 18.4% QoQ and increased 381.7% YoY.
- The earnings per share (EPS) of RBL Bank Ltd stood at 3.65 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 4718.41 | 4441.59 | 4610.47 | 6.2% | 2.3% |
Total Expenses | 3789.91 | 3696.72 | 3599.02 | 2.5% | 5.3% |
Provisions & contingencies | 639.27 | 499.70 | 1188.90 | 27.9% | -46.2% |
Profit Before Tax | 289.23 | 245.17 | -177.45 | 18.0% | -263.0% |
Tax | 61.28 | 52.71 | -224.77 | 16.3% | -127.3% |
Profit After Tax | 227.95 | 192.46 | 47.32 | 18.4% | 381.7% |
Earnings Per Share | 3.65 | 3.11 | 0.78 | 17.4% | 367.9% |
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, a prominent player in the banking sector, provides a range of banking services including corporate and institutional banking, commercial banking, retail banking, branch and business banking, and treasury and financial markets operations. The bank operates under the regulatory framework of the Reserve Bank of India, catering to a diverse clientele through its network of branches across India. As of the latest available information, RBL Bank continues to expand its service offerings and digital banking capabilities, aiming to enhance customer experience and operational efficiency. There are no major recent developments available in the data provided.
Revenue
For the quarter ending Q3FY26, RBL Bank Ltd reported a total income of ₹4718.41 crores, representing a quarter-over-quarter increase of 6.2% from ₹4441.59 crores in Q2FY26. This also marks a year-over-year growth of 2.3% compared to ₹4610.47 crores in Q3FY25. The consistent increase in total income reflects the bank’s ability to generate revenue from its core banking operations, which includes interest income, fees, and commissions. The growth trajectory in total income over both the quarterly and yearly periods is indicative of the bank's efforts to maintain a steady revenue stream amidst challenging market conditions.
Profitability
RBL Bank Ltd's profitability for Q3FY26 has shown significant improvement compared to both the previous quarter and the same period last year. The Profit After Tax (PAT) for this quarter is ₹227.95 crores, which is an 18.4% increase from ₹192.46 crores in Q2FY26, and a substantial rise of 381.7% from ₹47.32 crores in Q3FY25. The Earnings Per Share (EPS) has also increased to ₹3.65 from ₹3.11 in the previous quarter and ₹0.78 in the same quarter last year, demonstrating the bank's enhanced earnings capacity. The Profit Before Tax (PBT) for Q3FY26 is ₹289.23 crores, up 18.0% from the previous quarter's ₹245.17 crores and a notable turnaround from a loss of ₹177.45 crores in Q3FY25. This improvement in profitability can be attributed to effective cost management and a decrease in provisions and contingencies year-over-year.
Operating Metrics
In Q3FY26, RBL Bank Ltd experienced an increase in total expenses to ₹3789.91 crores, up 2.5% from ₹3696.72 crores in Q2FY26 and 5.3% higher than ₹3599.02 crores in Q3FY25. Provisions and contingencies for the quarter were ₹639.27 crores, reflecting a 27.9% increase from ₹499.70 crores in Q2FY26, but a 46.2% decrease from ₹1188.90 crores in Q3FY25. This reduction in provisions year-over-year is significant, pointing towards improved asset quality or risk management practices within the bank. The tax expense for Q3FY26 was ₹61.28 crores, marking a 16.3% increase from ₹52.71 crores in the previous quarter, while showing a reversal from a negative tax figure in Q3FY25. These operating metrics highlight the bank's operational adjustments and financial strategies over the fiscal periods.