RBL bank shares rise 10% after asset quality improves in Q4

On Friday, ahead of its earnings release, shares of RBL Bank settled at ₹187.4 apiece, down 5.5%. Despite Friday’s fall, the stock has risen nearly 20% so far in 2025.

RBL Bank’s net interest income (NII) for the quarter stood at ₹1,563 crore as compared to ₹1,599 crore in the previous year's similar quarter, a drop of 2.3% YoY and 1.3% QoQ. Whereas the interest expenses for the quarter grew by 10% YoY to ₹1,912 crore for the quarter. The NIM also shrank to 4.89% in Q4FY25, down from 5.45% in the same quarter of FY24.

On the bottom line front, the net profit for the quarter dropped by 80% YoY to ₹68.7 crore as compared to ₹352 crore in the previous year's similar quarter. RBL Bank witnessed strong growth in the advances for the quarter at 10% YoY to ₹92,618 crore. The retail segment, which contributes a majority of the lending portfolio, grew by 13% YoY to ₹55,703 crore. Overall, deposits grew by 7% YoY to ₹110,944 crore, and the total business crossed the ₹2 lakh crore mark for the first time.

Along with the quarterly results, the board of directors have also recommended a dividend of ₹1 per equity share.