RBL Bank's Q4 FY 2025-26 Quarterly Results

Result Summary

• RBL Bank Ltd reported a 1.5% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 7.0%.
• Its expenses for the quarter were up by 0.8% QoQ and 6.1% YoY.
• The net profit increased 7.2% QoQ and increased 181.0% YoY.
• The earnings per share (EPS) of RBL Bank Ltd stood at 3.9 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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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 prominent financial institution in India, offering a range of banking services and products. These include retail banking, corporate and institutional banking, and treasury operations. The bank focuses on providing a comprehensive suite of financial solutions to both individuals and businesses. RBL Bank has been recognized for its innovative approach to banking and its commitment to customer service. While specific recent developments for the bank are not detailed in this report, it is known for its strategic growth initiatives and partnerships aimed at enhancing its market presence and product offerings.

Revenue

In the fourth quarter of fiscal year 2026, RBL Bank Ltd reported a total income of ₹4791.36 crores, which represents a 1.5% increase from the preceding quarter (Q3FY26), where the total income was ₹4718.41 crores. Compared to the same quarter in the previous year (Q4FY25), there is a notable year-over-year growth of 7.0%, with the total income in Q4FY25 being ₹4477.91 crores. This growth in revenue indicates the bank's ability to expand its income base over both the quarterly and yearly periods, reflecting its operational strategies and market dynamics during the fiscal year.

Profitability

RBL Bank's profitability metrics for Q4FY26 highlight a significant improvement compared to both the previous quarter and the same period last year. The profit before tax for Q4FY26 was reported at ₹294.13 crores, marking a 1.7% increase from Q3FY26, where the profit before tax was ₹289.23 crores. Year-over-year, this figure has surged by 215.2% from Q4FY25's ₹93.33 crores. The profit after tax also showed substantial growth, amounting to ₹244.42 crores in Q4FY26, up by 7.2% quarter-over-quarter from ₹227.95 crores in Q3FY26, and by 181.0% year-over-year from ₹86.99 crores in Q4FY25. The earnings per share (EPS) also increased, recorded at ₹3.90 for Q4FY26, compared to ₹3.65 in Q3FY26 and ₹1.43 in Q4FY25, showing a quarter-over-quarter growth of 6.8% and a year-over-year growth of 172.7%.

Operating Metrics

The bank's total expenses for Q4FY26 stood at ₹3818.91 crores, a slight increase of 0.8% from ₹3789.91 crores in Q3FY26 and a 6.1% increase from ₹3599.44 crores in Q4FY25. Provisions and contingencies were reported at ₹678.32 crores in Q4FY26, experiencing a quarter-over-quarter increase of 6.1% from ₹639.27 crores in Q3FY26, but a decrease of 13.6% year-over-year from ₹785.14 crores in Q4FY25. The tax expense for Q4FY26 was ₹49.71 crores, which is a decrease of 18.9% from the previous quarter's ₹61.28 crores, but an increase of 684.1% compared to ₹6.34 crores in Q4FY25. These metrics reflect the bank's operational costs and financial management strategies over the reporting periods.