Shares of RBL Bank dropped nearly 2% in early trade on April 25, ahead of the bank’s Q4 FY25 earnings announcement scheduled for later today. The stock was trading at ₹194.86 on the NSE, down ₹3.45 or 1.74% from its previous close of ₹198.31.
The quarterly results are being closely watched by investors amid expectations of pressure on margins and elevated provisioning due to the bank’s unsecured lending portfolio.
According to a CNBC-TV18 poll, RBL Bank is estimated to report a net profit of ₹45.9 crore for Q4FY25, down significantly from ₹352.6 crore in the same quarter last year. Net Interest Income (NII) is projected at ₹1,589.7 crore compared to ₹1,599.9 crore reported in Q4FY24.
Key concerns ahead of the results include:
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Narrowing Net Interest Margins (NIM) due to rising cost of funds
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Weak growth in operating profit
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Potentially elevated slippages from unsecured lending
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Asset quality deterioration on a QoQ basis
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Higher provisions denting earnings momentum
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Business outlook amid uncertain lending environment
RBL Bank’s total market cap stands at ₹118.39 billion. As of April 25, the stock has traded in the range of ₹193.45 to ₹201.27.
