RBL Bank has reported a robust performance in its Q4FY25 business update, with total business surpassing ₹2.05 lakh crore as of March 31, 2025. This milestone was driven by healthy growth in both deposits and advances.
Total deposits grew to ₹1,10,942 crore, marking a 7% year-on-year (YoY) and 4% quarter-on-quarter (QoQ) increase. On the lending side, gross advances rose to ₹94,973 crore, up 11% YoY and 3% QoQ.
Retail lending led the momentum with a 15% YoY jump, while wholesale advances rose 5% YoY. Within wholesale, commercial banking advances surged 28% YoY. Among retail loans, secured retail advances witnessed an impressive 41% YoY growth. The retail-to-wholesale loan mix now stands at approximately 61:39, reinforcing RBL Bank’s retail-focused strategy.
On the deposit side, the bank continued to build a granular franchise. Deposits below ₹3 crore contributed 49.8% of total deposits and saw 16% YoY growth. The CASA ratio improved to 34.1%, up from 32.8% in the previous quarter, while the CASA + Term Deposits under ₹3 crore ratio reached 65%.
The Liquidity Coverage Ratio (LCR) stood at 133% for the quarter, comfortably above regulatory norms, though slightly lower than the 143% seen in Q3FY25.
In terms of asset quality, Current Bucket Collection Efficiency (CBCE) in the Joint Liability Group (JLG) segment improved to 99.0% in March 2025, compared to 98.4% in December 2024. Excluding Karnataka, the CBCE stood even higher at 99.3%, indicating strong collection efficiency.
These figures are provisional and released ahead of the audited Q4FY25 and FY25 financial results.
Disclaimer: This article is based on provisional data shared by RBL Bank under SEBI Listing Regulations and is for informational purposes only.
