RBL Bank reported exceptional Q4FY26 results with net profit surging 234% year-on-year to ₹230 crore, while full-year FY26 net profit increased 18% to ₹822 crore. The bank demonstrated strong operational metrics with Net Interest Margin at 4.41%, significant balance sheet expansion with advances growing 23% YoY and deposits 25% YoY, and improved asset quality with GNPA declining to 1.45% and Net NPA at 0.39%. The board recommended a dividend of ₹1 per equity share, and in compliance with SEBI regulations, the bank published the extract of audited financial results in Financial Express and Lokmat on April 26, 2026.

RBL Bank Q4FY26 Net Profit Surges 234% YoY, Newspaper Publication of Results

RBL Bank has delivered exceptional financial performance for Q4FY26, with net profit surging 234% year-on-year to ₹230 crore compared to ₹69 crore in Q4FY25. For the full fiscal year FY26, the bank reported an 18% increase in net profit to ₹822 crore from ₹695 crore in FY25. The board of directors approved the audited financial results at its meeting held on April 25, 2026, and recommended a dividend of ₹1 per equity share subject to shareholder approval. In compliance with Regulation 47(1) of SEBI Listing Regulations, the bank published the extract of audited financial results in Financial Express (English daily) and Lokmat (Marathi daily) on April 26, 2026.

Regulatory Compliance and Investor Engagement

The bank has submitted comprehensive documentation to both BSE Limited and National Stock Exchange of India Limited under SEBI Listing Regulations. Company Secretary Niti Arya filed the press release on audited standalone financial results and investor presentation for Q4FY26 on April 25, 2026. Pursuant to Regulation 30 and 46(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the bank has made available the audio recording of the earnings call with analysts and investors held on April 25, 2026 on the audited financial results of the bank for the quarter and financial year ended March 31, 2026. The recording is available on the bank's website at https://www.rbl.bank.in/investor-relations/disclosures-regulation-46/financial-highlights . The transcript of the earnings call shall also be made available on the website at https://www.rbl.bank.in/ .

Regulatory Filing Details: Information Filing Date: April 25, 2026 Company Secretary: Niti Arya BSE Scrip Code: 540065 NSE Scrip Name: RBLBANK Earnings Call Date: April 25, 2026

Strong Q4FY26 Operating Performance

The bank demonstrated robust operational metrics during the fourth quarter. Net Interest Income grew 7% year-on-year to ₹1,671 crore with Net Interest Margin at 4.41%. Other income increased 7% year-on-year to ₹1,069 crore, with core fee income growing 9% year-on-year to ₹1,057 crore. Operating expenses rose moderately by 5% year-on-year to ₹1,785 crore, resulting in an improved cost-to-income ratio of 65.1% compared to 66.3% in the previous quarter.

Q4FY26 Performance Metrics: Q4FY26 Q4FY25 YoY Growth Q3FY26 QoQ Growth Net Profit: ₹230 crore ₹69 crore +234% ₹214 crore +7% Net Interest Income: ₹1,671 crore ₹1,563 crore +7% ₹1,657 crore +1% Operating Profit: ₹955 crore ₹861 crore +11% ₹912 crore +5% Cost to Income Ratio: 65.1% 66.4% -130 bps 66.3% -120 bps

Balance Sheet Growth and Asset Quality

RBL Bank achieved significant balance sheet expansion with net advances growing 23% year-on-year and 11% quarter-on-quarter to ₹114,232 crore. The retail-wholesale advances mix stood at 59:41, with secured retail advances showing particularly strong growth of 36% year-on-year and 17% quarter-on-quarter to ₹40,207 crore. Total deposits surged 25% year-on-year and 16% quarter-on-quarter to ₹139,018 crore, with CASA deposits growing 23% year-on-year to ₹46,723 crore, maintaining a CASA ratio of 33.6%.

Balance Sheet Highlights: Mar 31, 2026 Mar 31, 2025 YoY Growth Dec 31, 2025 QoQ Growth Net Advances: ₹114,232 crore ₹92,618 crore +23% ₹103,086 crore +11% Total Deposits: ₹139,018 crore ₹110,944 crore +25% ₹119,721 crore +16% CASA Deposits: ₹46,723 crore ₹37,886 crore +23% ₹36,972 crore +26% Secured Retail Advances: ₹40,207 crore ₹29,573 crore +36% ₹34,407 crore +17%

Improved Asset Quality Metrics

The bank demonstrated significant improvement in asset quality parameters. Gross Non-Performing Assets ratio declined to 1.45% as of March 31, 2026, compared to 2.60% in the previous year and 1.88% in the previous quarter. Net NPA ratio stood at 0.39% as of March 31, 2026, compared to 0.29% in the previous year. The Provision Coverage Ratio including technical write-offs improved to 94.9%.

Asset Quality Parameters: Mar 31, 2026 Mar 31, 2025 Dec 31, 2025 Gross NPA Ratio: 1.45% 2.60% 1.88% Net NPA Ratio: 0.39% 0.29% 0.55% Provision Coverage Ratio: 94.9% 96.45% 93.21% Capital Adequacy Ratio: 14.25% 15.54% 14.94%

Management Commentary and Strategic Outlook

MD & CEO R Subramaniakumar highlighted the quarter's stable operating performance, noting growth that outpaced industry trends driven by granular retail advances and strengthening deposit franchise. The bank accelerated branch expansion by adding 23 branches during the quarter, taking the total network to 603 branches. The bank has received approvals from RBI and CCI for the strategic investment by Emirates NBD P.J.S.C, with the transaction in final stages of closure. The proposed dividend of ₹1 per equity share reflects the bank's strong financial position and commitment to shareholder returns.

RBL Bank Limited has announced key changes in its senior management team, with the superannuation of its current Head of Internal Audit and the appointment of a new successor. The changes were disclosed under Regulation 30 of the SEBI Listing Regulations following a Board meeting held on April 24, 2026.

Senior Management Transition Details

The bank announced that Mr. Rajagopalan R, Head - Internal Audit and part of the senior management team, will superannuate from RBL Bank effective close of business hours on April 30, 2026. To ensure continuity in operations, the Board has approved the appointment of Mr. Navin Sharma as the new Head - Internal Audit, effective May 01, 2026.

Parameter: Mr. Rajagopalan R Mr. Navin Sharma Reason for Change: Superannuation Appointment Effective Date: April 30, 2026 May 01, 2026 Position: Head - Internal Audit Head - Internal Audit

Board Approval and Governance

The appointment of Mr. Navin Sharma was approved by the Board of Directors at their meeting held on April 24, 2026, based on recommendations from both the Audit Committee and Nomination and Remuneration Committee. The Board meeting commenced at 12:37 p.m. and concluded at 6:23 p.m., demonstrating thorough deliberation on the appointment.

New Appointee Profile

Mr. Navin Sharma brings extensive experience to his new role as Head - Internal Audit. He is a seasoned Banking, Insurance, and Financial Services professional with nearly 26 years of experience across leading organizations. His expertise encompasses:

Audit and risk management

Compliance operations

Advanced risk-based audit practices

Operational risk management

Business continuity management

Professional Background

Mr. Sharma joined RBL Bank on April 15, 2026, prior to his appointment as Head - Internal Audit. His professional journey includes significant roles at prominent financial institutions:

Bandhan Bank

ICICI Bank

ICICI Prudential Insurance

Fullerton India Credit

Citigroup Global Services

Educational Qualifications

Mr. Navin Sharma holds strong academic credentials with a Chartered Accountant qualification obtained in 1999 and a BCom degree from St Xavier College completed in 1997.

Regulatory Compliance

The announcement was made in compliance with Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulation, 2015. The disclosure follows SEBI Master Circular No. HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 dated January 30, 2026, ensuring full transparency with stakeholders and regulatory authorities.

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