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Kumar Satyam

2nd Apr · SEBI-Registered Analyst

RBL Bank Q4 Business Update: Strong Growth Momentum

Key Highlights (Mar 31, 2026) • Total Deposits: ₹1,39,037 Cr (↑25% YoY, ↑16% QoQ) • CASA: ₹46,723 Cr | CASA Ratio: 33.6% (↑23% YoY) • Gross Advances: ₹1,15,488 Cr (↑22% YoY, ↑11% QoQ) • Total Business: ₹2.5+ Lakh Cr (↑24% YoY) • Secured Retail Advances: ↑36% YoY, ↑17% QoQ What Stands Out • Strong deposit growth supporting loan expansion • Improving CASA mix, aiding cost of funds • Sharp rise in secured retail lending, indicating better asset quality focus Why It Matters Balanced growth across deposits and advances, along with a shift toward secured retail, supports sustainable growth and improved risk profile. Learning Outcome For banks, quality of growth matters. Investors should track CASA ratio, secured vs unsecured lending, and deposit traction to assess long-term stability.

RBLBANK

#FundamentalViews#WatchOutFor
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