RBL Bank Receives CRISIL AAA/Stable Ratings

Key Highlights • CRISIL AAA/Stable assigned to ₹1,000 Cr Infrastructure Bonds and ₹1.3 lakh Cr Fixed Deposits. • CRISIL A1+ assigned to ₹19,000 Cr Certificate of Deposits. • Ratings reflect strong support from majority shareholder Emirates NBD, which holds approximately 60% stake. • Emirates NBD has infused ₹26,016 Cr, boosting RBL Bank's pro-forma Capital Adequacy Ratio to 35.3%. Business Update • Gross NPA improved to 1.45% as of March 2026. • Loan book stood at ₹1.15 lakh Cr. • Deposits reached ₹1.39 lakh Cr. What It Means • Strong capital position enhances growth capacity and financial flexibility. • Improved asset quality reflects healthier underwriting and risk management. • Backing from Emirates NBD strengthens investor confidence and creditworthiness. Learning Outcome For banks, strong capitalization, improving asset quality, and support from a well-capitalized promoter can significantly enhance credit ratings and lower funding costs.