On 18 January, RBL Bank announced an 86% year-on-year decline in net profit to Rs 32.63 crore for the third quarter of FY25, representing an 85% sequential decrease.

Asset Quality Metrics:

• Gross NPA Ratio: 2.92% as of 31 December 2024 (vs. 2.88% on 30 September 2024 and 3.12% on 31 December 2023).
• Net NPA Ratio: 0.53% as of 31 December 2024 (vs. 0.79% on 30 September 2024 and 0.80% on 31 December 2023).
• Gross NPA: Rs 2,701 crore as of 31 December 2024 (vs. Rs 2,581.08 crore on 30 September 2024 and Rs 2,551.05 crore on 31 December 2023).
• Net NPA: Rs 481.64 crore as of 31 December 2024 (vs. Rs 697.51 crore on 30 September 2024 and Rs 635.64 crore on 31 December 2023).

Deposits and Advances:

• Total Deposits: Rs 1.07 lakh crore (up 15% YoY); CASA deposits grew 12% YoY to Rs 35,022 crore, with a CASA ratio of 32.8%.
• Granular Deposits (less than Rs 3 crore): Rs 53,719 crore (up 20% YoY and 3% QoQ), contributing 50.3% of total deposits.
• Net Advances: Rs 90,412 crore (up 13% YoY).
• Retail Advances: Rs 55,199 crore (up 19% YoY); Retail-to-wholesale advances ratio stood at 61:39.

Segment-Wise Growth:

• Housing loans: 33% YoY increase.
• Rural vehicle finance: 30% YoY increase.
• Commercial banking: 21% YoY increase.

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