RBL Bank Limited announced its unaudited standalone financial results for the quarter and nine months ended December 31, 2025. The bank reported a Net Profit of ₹214 crore for Q3 FY26, which was impacted by one-off expenses of ₹32 crore (pre-tax) due to the revision in the definition of wages under new labor codes. Net Interest Income (NII) for the quarter grew 5% year-on-year to ₹1,657 crore, with a Net Interest Margin (NIM) of 4.63%. Core Fee Income increased by 10% year-on-year to ₹959 crore. Operating profit, excluding the impact of one-off income from the sale of strategic equity investment in Q3 FY25, grew 7% year-on-year and 25% quarter-on-quarter to ₹912 crore. Advances grew by 14% year-on-year to ₹103,086 crore, with a Retail:Wholesale mix of 59:41. Retail advances grew by 10% year-on-year to ₹60,611 crore, while wholesale advances increased by 21% year-on-year to ₹42,475 crore. Overall deposits grew by 12% year-on-year to ₹119,721 crore, with CASA deposits growing by 6% year-on-year to ₹36,972 crore, maintaining a CASA ratio of 30.9%. Granular deposits (less than ₹3 crore) grew by 15% year-on-year to ₹61,632 crore, accounting for 51.5% of total deposits. The bank's Capital Adequacy Ratio (CAR) and CET-1, including 9M FY26 profits as of December 31, 2025, stood at 14.94% and 13.45% respectively. Gross Non-Performing Assets (GNPA) decreased by 104 basis points year-on-year to 1.88%, while Net Non-Performing Assets (NNPA) were at 0.55%. The Provision Coverage Ratio (PCR) was 71.09%, and the credit cost for Q3 FY26 was 64 basis points. The bank also hosted an investor presentation and an earnings call with analysts and investors on January 17, 2026, to discuss the unaudited financial results. Information regarding these results and the earnings call is available on the bank's website.
