What was RBL Bank's revenue in Q4 FY26?

RBL Bank reported revenue of — in Q4 FY26, a — change year-over-year.

Did RBL Bank management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

RBL Bank Q4 FY26 Research Workspace: Revenue — (—)

Q: What guidance did RBL Bank management give?

Credit card slippages to reduce to ~7-7.5% in H2 FY27: Management expects credit card slippage rate to decline to around 7-7.5% in the second half of FY27, with credit cost for the portfolio falling to ~5.5%.

Revenue —

EBITDA —

PAT ₹244 Cr +233.33%

EBITDA Margin —

Duration 69 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

RBL Bank reported a strong Q4 FY26 with net profit of ₹230 crore (vs ₹69 crore YoY), driven by 23% YoY advances growth and improved asset quality. Secured retail assets grew 36% YoY, while credit card slippages remained elevated at ₹580 crore but are expected to normalize in H2 FY27. The bank crossed 600 branches and received regulatory approvals for the Emirates NBD capital infusion, which will strengthen capital ratios. NIM compressed 22bps due to repo rate cuts and mix shift, but management expects stabilization in Q1 and improvement thereafter. Key risk: credit card slippages may persist longer than anticipated, delaying profitability recovery.

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Research workspace

Focused Modules

!Risks 3 risks

Risk Intelligence

Persistence of elevated credit card slippages

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Quarter Snapshot

Advances Growth ₹1,14,232 cr

+23% YoY

Total advances grew 23% year-on-year, driven by secured retail and wholesale segments.

Credit Cards Issued 3.3 lakh

+4.63M cards in force

Issued 3.3 lakh cards in Q4, with cards in force increasing to 4.63 million after six quarters of decline.

Gold Loan Disbursal via Branches ₹850 cr

+57% QoQ

Gold loan disbursal through branches grew to ₹850 crore in Q4 from ₹540 crore in Q3.

MFI Collection Efficiency 99.7%

+20bps QoQ

Microfinance early bucket collection efficiency improved to 99.7% in March from 99.5% in December.

Fast read

Guidance and risk preview

Top guidance Credit card slippages to reduce to ~7-7.5% in H2 FY27

Management expects credit card slippage rate to decline to around 7-7.5% in the second half of FY27, with credit cost for the portfolio falling to...

Top risk Persistence of elevated credit card slippages

Credit card slippages remained high at ₹580 crore in Q4, and management expects elevated levels to continue in H1 FY27 before normalizing.