RBL Bank on Friday reported a sharp jump in profitability for the quarter ended December 31, 2025 (Q3 FY26), supported by steady net interest income growth and a significant improvement in asset quality.
On a standalone basis, the bank posted a net profit of Rs 213.88 crore in Q3 FY26, compared with Rs 32.63 crore in the year-ago quarter, marking a year-on-year growth of 555.47%. Sequentially, profit rose 19.81% from Rs 178.52 crore reported in Q2 FY26.
On a consolidated basis, net profit stood at Rs 227.95 crore for the quarter, compared with Rs 47.32 crore in Q3 FY25, translating into a 381.72% YoY increase. Profit also grew 18.44% quarter-on-quarter.
Net interest income (NII) for the quarter came in at Rs 1,657.24 crore, compared with Rs 1,585.06 crore in the corresponding quarter last year, reflecting a 4.55% year-on-year rise. The growth in NII was supported by stable loan yields and controlled funding costs.
Asset quality showed marked improvement during the quarter. Gross non-performing assets (GNPA) declined to 1.88% as of December 31, 2025, compared with 2.92% in the year-ago period and 2.32% in the previous quarter. Net NPA stood at 0.55%, compared with 0.53% YoY and 0.57% QoQ, remaining largely stable at low levels.
Operating profit before provisions and contingencies improved on a sequential basis, while provisioning costs declined sharply on a year-on-year basis, aiding bottom-line growth.
For the nine-month period ended December 2025, RBL Bank reported a standalone net profit of Rs 592.73 crore, reflecting sustained recovery in earnings momentum.
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