RBL BANK Qtrly. Results Analysis Q2FY2027

Interest Earned for Q2FY27 is Rs. 4,322 Crs., 23.23% growth YoY, Net Interest Income is Rs. 2,131 Crs., 37.42% growth YoY, Total Income is Rs. 5,399 Crs., 21.60% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,396 Crs., 91.67% growth YoY, PBT is Rs. 630 Crs., 175.31% growth YoY, Net profit is Rs. 482 Crs., 170% growth YoY. On QoQ basis Interest Earned has achieved 12.55% growth, Net Interest Income has grown by 28.8%, Total Income has grown by 12.5%, Pre-Provisioning Operating Profit has grown by 51.29%, PBT grown by 94.62%, PAT is grown by 89.90%. For Q2FY27 Gross NPA 1.02% vs 2.32% in Q2FY26, Net NPA 00.29% vs 0.57% in Q2FY26. Return on Assets is 0.92% improved marginally by 44 BPS YoY, return on Equity is 4.43%, However, Net Interest Margin is 4.61% improved by 10 BPS YoY. Net Advances as on September 30, 2026 stood at ₹ 142314 Cr., growing 41.57% Y-o-Y. RBL is consciously transitioning from a liquidity-heavy posture (short-duration/short-term deployment) toward relationship-led wholesale growth and secured retail. Funding cost normalization, as high-cost deposits roll off and retail rates are rationalized; management highlighted declining cost-of-funds and willingness to reprice. The bank is prioritizing credit normalization and quality over aggressive unsecured expansion; cards metrics are the most important near-term swing factor for credit costs. Expecting completion of ENBD India business acquisition within FY27 (post RBI approval).