RBL Bank Ltd
RBL Bank Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Net advances grew 13% YoY; retail advances grew 19% YoY; secured retail advances up 38% YoY, indicating growth focus on secured retail and wholesale segments (Page 5). The bank plans to hold growth at the current level in the near term, with revised medium-term guidance after normalization over two quarters (Page 13).
From RBL Bank Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Net advances grew 13% YoY; retail advances grew 19% YoY; secured retail advances up 38% YoY, indicating growth focus on secured retail and wholesale segments (Page 5).
- Growth in deposits is steady with total deposits up 15% YoY, granular deposits up 20% YoY, supporting stable funding (Pages 3 and 5).
- Unsecured loan segments (credit cards, JLG) showing moderation with plans to reduce proportion and focus on risk, implying slower growth or de-growth in these segments near-term (Pages 4, 13, 14, 24).
- Wholesale and secured retail businesses expected to continue strong growth and drive overall business forward (Page 4).
2 more points from RBL Bank Ltd's call on revenue
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Profitability & Margins
See what RBL Bank Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- There is mention of some investment in capex planned, which will lead to increased depreciation (Page 12).
- No specific details or quantum of the capex/capital investment are provided.
- The bank is focusing on consolidations, process simplifications, and system improvements which may relate to strategic investments (Page 12).
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Top-ranked in Banks
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what RBL Bank Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
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What RBL Bank Ltd's management said in earlier quarters
- Q2 FY27 earnings call analysis →
- Q2 FY25 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q1 FY27 earnings call analysis →
- Q2 FY26 earnings call →
- Q4 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
- Q4 FY23 earnings call →
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Frequently Asked Questions
What were RBL Bank Ltd Q3 FY25 results?
Net advances grew 13% YoY; retail advances grew 19% YoY; secured retail advances up 38% YoY, indicating growth focus on secured retail and wholesale segments (Page 5). The bank plans to hold growth at the current level in the near term, with revised medium-term guidance after normalization over two quarters (Page 13).
What is RBL Bank Ltd share price analysis?
RBL Bank Ltd currently shows a neutral. The stock trades at a P/E of 68.9 with a market cap of ₹60,363 Cr. Investors should review the full earnings analysis for detailed insights.
Is RBL Bank Ltd planning capital expenditure?
There is mention of some investment in capex planned, which will lead to increased depreciation (Page 12).
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.