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RBL Bank (RBLBANK) investor relations material
RBL Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary19 Oct, 2025
Executive summary
Announced a landmark strategic transaction: Emirates NBD to invest ₹26,853 crore ($3 billion) for a 60% stake via preferential issue, making Emirates NBD the new promoter and resulting in a change of control, subject to regulatory approvals.
Board approved unaudited standalone and consolidated Q2 FY26 results, with net profit at ₹178.5 crore (standalone) and ₹192.5 crore (consolidated); advances crossed ₹1 lakh crore.
Scheme of amalgamation approved for Emirates NBD's India branch with the bank, with share allotment as consideration.
Board approved capping foreign shareholding at 24% until transaction completion, then up to 74% post-completion, to ensure regulatory compliance.
Amendments to Articles of Association to grant Emirates NBD board nomination rights and increase authorized share capital to ₹1,800 crore.
Financial highlights
Standalone Q2 FY26: Total income ₹4,440.2 crore, net profit ₹178.5 crore, operating profit ₹728.4 crore; consolidated net profit ₹192.5 crore.
Advances rose 14% year-over-year to ₹100,529 crore; deposits up 8% to ₹116,667 crore; CASA ratio at 31.9%.
Gross NPA at 2.32%, Net NPA at 0.57% as of September 30, 2025; provision coverage ratio at 75.92%.
Net Interest Margin (NIM) stood at 4.51%; core fee income grew 13% year-over-year to ₹926 crore.
Cost-to-income ratio improved to 62.5%; capital adequacy ratio at 14.71% (Basel III); CET-1 at 13.51%.
Outlook and guidance
Capital infusion expected to support growth for the next 5-7 years, expand product offerings, and enhance scale and efficiency.
Focus on retail-led growth, digital enablement, and maintaining healthy asset quality; continued investment in digital banking and new product launches.
ROA and margins expected to expand with equity inflow; NIM guided to 4.75-4.8% exit for the year.
Loan book growth of 30%+ considered achievable post-transaction, with significant branch and product expansion planned.
Board to convene EGM on November 12, 2025, to seek shareholder approvals for all major proposals.
What is the capital allocation plan?
Expected NIM trajectory from Q3 onwards?
How will ENBD enhance RBL's capabilities?
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Next RBL Bank earnings date
Q3 25/2617 Jan, 2026
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