RBL Bank Limited has published its Business Responsibility and Sustainability Report (BRSR) for FY 2025-26, presenting a comprehensive disclosure of the bank's environmental, social, and governance (ESG) performance on a standalone basis. The report covers the bank's operations across five business verticals — Corporate Banking, Commercial Banking, Branch & Business Banking, Retail Assets, and Treasury & Financial Markets Operations — and has received reasonable assurance on its core KPIs from CNK & Associates LLP.

Corporate Overview and Financial Parameters

RBL Bank, incorporated in 1943 and headquartered in Kolhapur, Maharashtra, operates with a paid-up capital of ₹6,18,11,14,040 as on 31 March 2026. The bank's CSR-relevant financial parameters for the reporting period are outlined below:

The bank has a network of 603 branches (including IBU), 1,339 business correspondent branches (of which 258 are banking outlets), and 415 ATMs spread across 28 Indian states and Union Territories. It also operates one International Financial Services Unit (IFSC) Banking Unit (IBU) at GIFT City.

Workforce and Employee Well-Being

As at the end of FY 2025-26, RBL Bank's total employee strength stood at 13,316 (including permanent and other than permanent employees), while its wholly owned subsidiary RBL FinServe Limited (RFL) reported 9,711 permanent employees. The bank's gender diversity and turnover metrics are presented below:

The bank's Board of Directors comprises 10 members, of whom 2 (20%) are female, while Key Management Personnel includes 4 members, of whom 1 (25%) is female. The permanent employee turnover rate for FY 2025-26 was 27.4% (total), compared to 33.1% in FY 2024-25 and 44.4% in FY 2023-24, reflecting a declining trend.

All 13,146 permanent employees are covered under health insurance, and 99.81% are covered under the Provident Fund scheme. The cost incurred on well-being measures as a percentage of total revenue stood at 0.24% in FY 2025-26, compared to 0.31% in FY 2024-25. Gross wages paid to female employees accounted for 17.93% of total wages in FY 2025-26, up from 17.55% in FY 2024-25.

Environmental Performance

The bank amended its methodology for estimating energy consumption and GHG emissions using the "Spend Based approach" as recommended under SEBI's Circular on Industry Standards on Reporting of BRSR Core, with retrospective restatement applied to FY 2024-25 data. Key environmental metrics are summarised below:

The bank has installed solar panels in 23 branches, generating approximately 319 MWh of solar power and avoiding GHG emissions of 227 metric tonnes of CO2. Three of its largest offices — Corporate Office, Airoli, and NOC Goregaon — are situated in certified green buildings, accounting for approximately 56% of the carpet area among all regional offices. The bank has also adopted a Coal Policy targeting zero exposure to coal-based thermal power generation by FY 2033-34 and aims to achieve carbon-neutral status from its own operations by FY 2033-34.

Governance, Human Rights, and Customer Responsibility

The bank reported nil instances of fines, penalties, or disciplinary actions related to bribery or corruption in FY 2025-26. The number of days of accounts payables stood at 30.96 in FY 2025-26, compared to 46.49 in FY 2024-25. On human rights, 75% of total employees (9,936 out of 13,316) received training on human rights issues and policies during FY 2025-26, up from 53% in FY 2024-25.

Complaints filed under the Sexual Harassment of Women at Workplace (POSH) Act totalled 8 in FY 2025-26, of which 4 were upheld, compared to 9 filed and 6 upheld in FY 2024-25. On customer grievances, 45,450 complaints were filed during FY 2025-26, with 1,286 pending resolution at year-end, compared to 79,295 filed and 3,898 pending in FY 2024-25.

CSR and Inclusive Development

The bank has fully allocated its CSR obligation of 2% of average net profit in accordance with the Companies Act, 2013, with funds for ongoing projects deposited into a dedicated Unspent Account as required. On inclusive sourcing, 12.5% of input material by value was directly sourced from MSMEs or small producers in FY 2025-26, compared to 13.0% in FY 2024-25, while 95% was sourced from within the district and neighbouring districts. The bank is affiliated with 9 national trade and industry chambers, including the Indian Banks' Association, the Confederation of Indian Industry, and the Federation of Indian Chamber of Commerce and Industry.

RBL Bank held an investor meeting with RBC Global Asset Management on August 3, 2026, to discuss its business outlook and operational performance. The one-on-one session took place via video conferencing with participants located in Mumbai. This engagement forms part of the bank’s regular dialogue with institutional investors and analysts to provide transparency regarding its strategic direction.

The meeting was conducted in compliance with Regulation 30(6) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with Part A of Schedule III to the SEBI Listing Regulations. Under these provisions, listed entities are required to disclose details of interactions with analysts and investors to ensure equitable dissemination of information across the market.

RBL Bank Limited explicitly stated that no unpublished price-sensitive information (UPSI) was shared during the discussion. This confirmation is critical for maintaining market integrity and preventing insider trading concerns associated with selective disclosures.

In further adherence to regulatory norms, specifically Regulation 46(2) of the SEBI Listing Regulations, the details of this interaction have been hosted on the bank’s official website at www.rbl.bank.in . This ensures that all stakeholders have equal access to the information regarding the meeting’s occurrence and nature.

What the Numbers Show

While this filing does not contain financial metrics, the structured disclosure of investor meetings highlights the bank’s adherence to governance standards. The use of video conferencing for a one-on-one meet suggests a focus on efficient communication channels while maintaining strict compliance with SEBI’s guidelines on fair disclosure. The absence of UPSI indicates that the discussion likely revolved around publicly available data or general industry trends rather than specific forward-looking projections not yet released to the broader market.