RBL Bank shares dipped 2% despite reporting strong financials in its Q4FY25 business update. The bank’s total business surpassed ₹2.05 lakh crore as of March 31, 2025, driven by steady growth in deposits and advances. However, the pace of expansion was the slowest in the last 10–11 quarters.
Total deposits climbed to ₹1,10,942 crore, reflecting a 7% year-on-year (YoY) and 4% quarter-on-quarter (QoQ) rise. Gross advances reached ₹94,973 crore, marking an 11% YoY and 3% QoQ increase. Retail lending led the way with a 15% YoY surge, while wholesale advances posted a modest 5% growth. Within wholesale banking, commercial banking advances stood out with a 28% YoY jump. Secured retail advances grew at an impressive 41% YoY, reinforcing the bank’s shift toward a retail-heavy portfolio. The retail-to-wholesale loan mix now stands at 61:39.
On the deposit front, RBL Bank continued to strengthen its retail franchise, with deposits below ₹3 crore contributing 49.8% of total deposits and growing 16% YoY. The CASA ratio improved to 34.1%, up from 32.8% in Q3FY25, highlighting better low-cost deposit mobilization. Meanwhile, the liquidity coverage ratio (LCR) stood at 133%, slightly lower than the previous quarter’s 143%, but still well above regulatory norms.
Asset quality remained stable, with collection efficiency in the Joint Liability Group (JLG) segment improving to 99.0% in March 2025 from 98.4% in December 2024. Excluding Karnataka, the collection efficiency was even higher at 99.3%, reflecting strong recoveries.
RBL Bank’s stock opened at ₹178.00 and reached the same level as its intraday high before dipping to ₹171.09. The stock remains well below its 52-week high of ₹272.05 but above its 52-week low of ₹147.50.
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