RBL Bank's Q2 results: Profit falls 20% YoY to ₹179cr
What's the story
RBL Bank has reported a 20% year-on-year decline in its net profit for the quarter that ended on September 2025. The bank's net profit stood at ₹178.5 crore, missing CNBC-TV18's poll estimate of ₹209 crore. In the same quarter last year, RBL Bank had posted a net profit of ₹223 crore.
Financial performance
NII rises by 4% to ₹1,551cr
Despite the dip in net profit, RBL Bank's net interest income (NII) for the quarter rose by 4% to ₹1,550.7 crore from ₹1,490 crore a year ago. The figure marginally exceeded expectations of ₹1,529 crore. This indicates that while the bank's profitability has taken a hit over the past year, its core banking operations are still generating more income than before.
Asset quality
Asset quality improves sequentially
RBL Bank's asset quality has improved sequentially in the last quarter. The gross non-performing assets (GNPA) ratio fell to 2.32% from 2.78% in the previous quarter, while the net NPAs rose marginally to 0.57% from 0.45%. In absolute terms, the gross NPAs declined to ₹2,377.6 crore from ₹2,685.9 crore and net NPAs increased to ₹572.4 crore from ₹428.8 crore in June quarter respectively.
Provisions
Provisions for the quarter stand at ₹500cr
The provisions for RBL Bank for the quarter stood at ₹499.7 crore. This is higher than ₹442.3 crore in the previous quarter but lower than the ₹618.3 crore recorded a year ago.