RBL Bank has announced it will host an investor and analyst conference call on October 12, 2026, to present its unaudited financial results for the quarter ended September 30, 2026.

The conference call is scheduled for 7:00 pm IST and will follow the bank's board meeting on the same day, which is convened to review and approve the second-quarter earnings. This dual announcement provides a clear timeline for stakeholders awaiting the bank's quarterly performance update.

Conference call details

The management discussion will be led by R Subramaniakumar, Managing Director & Chief Executive Officer, along with other senior management members. The session will cover the performance for Q2FY27 and include an interactive question-and-answer segment.

Board meeting schedule

Prior to the public disclosure of results, the bank's board will convene on October 12 to take up the review of second-quarter earnings. The meeting marks a key date for stakeholders as the bank prepares to release its financial data to BSE and NSE.

Access and availability

Post-release, the financial results and related investor presentation will be available on the bank's website. In compliance with SEBI Listing Regulations, the audio recording and transcript of the earnings call will also be made accessible online for investors who cannot attend live.

RBL Bank reported a 40% YoY increase in gross advances to ₹1,433.5 billion for the quarter ended September 30, 2026. Total deposits expanded 34% YoY to ₹1,562.8 billion, driven by significant growth in both retail and wholesale segments.

The bank disclosed these provisional key financial metrics ahead of its official results announcement. The data is subject to approval by the Audit Committee and the Board of Directors, as well as limited review by statutory auditors.

Balance sheet expansion

Gross advances grew 40% YoY and 22% QoQ to reach ₹1,433.5 billion. Excluding loans provided by the international banking unit against FCNR(B) deposits, advances growth stood at 30% YoY and 13% QoQ. Secured retail advances surged 51% YoY and 42% QoQ, while wholesale advances rose 55% YoY and 21% QoQ. The retail-to-wholesale advances mix settled at 56:44.

Total deposits increased 34% YoY and 25% QoQ to ₹1,562.8 billion. CASA balances grew 14% YoY and 17% QoQ to ₹425.3 billion. However, the CASA ratio declined from 31.9% in Q2FY26 to 27.2% in Q2FY27, reflecting faster growth in term deposits relative to current and savings accounts.

*Average for the quarter

What the numbers show

A divergence exists between deposit mobilization and funding mix efficiency. While total deposits grew 34% YoY, CASA growth lagged at 14% YoY, causing the CASA ratio to contract from 31.9% to 27.2%. This indicates that the rapid balance sheet expansion was primarily funded by higher-cost term deposits rather than low-cost savings accounts. Concurrently, the Liquidity Coverage Ratio improved to 148% from 127% a year ago, suggesting enhanced liquidity buffers despite the shift in deposit composition.

The bank noted that secured retail advances grew 51% YoY, significantly outpacing the overall advance growth of 40% YoY. This highlights a strategic tilt toward secured lending, which may offer better risk-adjusted returns compared to unsecured segments.