 "RBL Bank")
RBL Bank reported a 46 per cent year-on-year (YoY) decline in its net profit to Rs 200 crore for the quarter ended June 30, 2025, compared to Rs 371.5 crore in the same period last year, on the back of a fall in net interest income, and higher provisions on a YoY basis.
Net Interest Income (NII) of the lender fell 13 per cent year-on-year to Rs 1,481 crore from Rs 1,700 crore, and declined 5 per cent sequentially from Rs 1,563 crore in the March 2025 quarter.
Net Interest Margin (NIM) for the quarter stood at 4.50 per cent, as compared to 4.89 per cent in Q4FY25, and 5.67 per cent in a year ago period. Other income of the bank rose by 33 per cent to Rs 1,069 crore during the quarter, against Rs. 805 in the same period last year. In Q4FY25, other income stood at Rs 1,000 crore.
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R Subramaniakumar, MD & CEO at RBL Bank said, “Margins have likely bottomed out and are expected to improve from the third quarter.” He added, “We remain confident of maintaining 14-15 per cent growth going forward.”
He further said that the recent cut in deposit rates should begin to have an impact in the second and third quarters, while cost optimisation measures currently underway are expected to start yielding benefits by the end of the second quarter. Repo-linked loans were re-priced immediately, while deposit re-pricing will take time.
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Provisions for the quarter stood at Rs 442 crore, up from Rs 366 crore in the year-ago period, though lower than Rs 785 crore reported in Q4 FY25. Asset quality weakened slightly from the previous quarter, with gross non-performing assets (GNPA) rising to 2.78 per cent from 2.6 per cent in March, while net NPA increased to 0.45 per cent from 0.29 per cent.
The bank’s net advances grew 9 per cent year-on-year to Rs 94,431 crore as of June 2025. Within this, secured retail advances rose sharply by 23 per cent, while total retail advances recorded a modest 5 per cent year-on-year growth to Rs 56,625 crore. However, the unsecured retail loan segment declined 10 per cent year-on-year. The retail-to-wholesale loan mix stood at 60:40.
Total deposits grew by 11 per cent year-on-year to Rs 1,12,734 crore, with current and savings account (CASA) deposits also rising by 11 per cent to Rs 36,614 crore. The CASA ratio remained steady at 32.5 per cent.
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