RBL Bank earnings calls.

RBL Bank reported Q1 FY27Current 27 crore vs previous available quarter 233.3 crore. PAT of ₹254 croreCurrent reported value: ₹254 crore. No comparable prior figure is available in the source record., up 27% YoY driven by 31% growth in pre-provision operating profit to ₹923 crore. The ₹26,016 crore equity infusionCurrent reported value: ₹26,016 crore equity infusion. No comparable prior figure is available in the source record. from Emirates NBD (promoter with 60% stake) has been partially deployed—₹10,000 crore retired high-cost borrowings at 7.25%, remainder deployed in short-term instruments yielding ~6.8%. Advances grew 23% YoYCurrent 23% YoY. Reported change: +23% YoY. to ₹1,16,223 crore, but wholesale mix shift (now 38% of growth) alongside compressed yields drove NIM contraction of ~50bps over two quarters. Credit costs remain elevated at 54bpsCurrent reported value: 54bps. No comparable prior figure is available in the source record. with credit card slippages at 15-16%Current 15-16%. Reported change: Elevated. annualized; management expects material reduction from Q3 onwards targeting a 5% handle. CASA ratio declined to 29.2%Current 29.2%. Reported change: -~150bps QoQ. despite 5,500 crore transient Q4 flows; granular deposits (under ₹3 crore) hold at 52.4% of total. GNPA improved 15bps QoQ to 1.3%, NNPA at 0.37%. Guidance: 30-40bps NIM improvement in Q2 from capital base effect, ROA to reach 1% by Q2-Q3, double-digit ROE over 3-4 years. Risk: Wholesale-heavy growth with CASA declining creates structural funding pressure as equity deploys over 6-9 months.