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 has recommended a final dividend of Re. 1.00 per fully paid-up equity share for the financial year ended March 31, 2026, fixing August 14, 2026, as the record date for eligibility. The Board of Directors approved the recommendation at its meeting held on April 25, 2026, subject to shareholder ratification at the upcoming annual general meeting. This move signals the private sector lender’s intent to return capital to investors despite a challenging operating environment, providing clarity on the timeline for retail and institutional shareholders awaiting returns.

The actual declaration and payment of the dividend remain contingent upon approval by members at the Eighty Third (83rd) Annual General Meeting (AGM), scheduled for Wednesday, September 2, 2026, at 11:30 a.m. IST. If declared, the dividend will be distributed on or before October 1, 2026. Shareholders must hold equity shares on the register as of the close of business on August 14, 2026, to qualify for the payout. The bank has emphasized that tax at source (TDS) will be deducted at prescribed rates under the Income-tax Act, 2025, as amended by the Finance Act, 2026.

Meeting Logistics and Voting

The 83rd AGM will be conducted through Video Conferencing or Other Audio Visual Means (VC / OAVM), in compliance with the Companies Act, 2013 and Ministry of Corporate Affairs circulars. Members attending via VC/OAVM will be counted toward the quorum under Section 103 of the Act. The bank has enabled remote e-voting in accordance with SEBI Circular no. SEBI/HO/CFD/CMD/CIR/P/2020/242 dated December 9, 2020. Detailed instructions for joining the meeting and casting votes will be included in the AGM notice, which will be sent electronically to members with registered email addresses.

Regulatory Compliance and Shareholder Actions

In adherence to Regulation 42 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the board has intimated the dividend recommendation to stock exchanges. Niti Arya, Company Secretary, signed the communication dated August 7, 2026. The bank has also published newspaper advertisements in Financial Express and Punyanagari to notify stakeholders of the meeting and record date, fulfilling requirements under Regulation 30 and Schedule III of the SEBI LODR Regulations.

Shareholders are urged to update their KYC details, including PAN, bank account information, and specimen signatures, to facilitate electronic dividend payments. Physical shareholders must submit Form ISR-1 to the Registrar and Share Transfer Agent, MUFG Intime India Private Limited, while demat holders should update details with their depository participants. Failure to maintain updated KYC may result in dividends being transferred to the Investor Education and Protection Fund (IEPF). Additionally, the bank has highlighted a special window for re-lodging transfer deeds for physical shares, open until February 4, 2027, for deeds lodged prior to April 1, 2019.