RBL Bank Ltd

- 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). - There is no indication of any immediate capital raise planned; the bank expects to be comfortably capitalized for at least 1.5 years with a CET 1 ratio around 13% (Page 9). - No details on future strategic investments beyond operational improvements and technology enhancements. In summary, RBL Bank plans some capex focusing on technology and process improvements but no major capital raising or specific strategic investments have been disclosed at this time.

- 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). - Management holding back FY '26 guidance currently, with expectations of NIM pressure continuing in Q4 but stabilization and improved asset quality starting Q1 FY '26 onward (Pages 14, 18). - Focus on profitable growth with risk management, cost control, and enhancing cross-sell opportunities to drive sustainable future growth (Pages 4, 12, 18).

- 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). - Secured retail loan segments like wheels and tractors are profitable and contributing; housing and mortgage loans are approaching breakeven (Page 18). - Slippages in unsecured portfolios like credit cards and JLG are expected to trend down starting Q1 FY '26, supporting improved profitability (Pages 14, 23). - Cost control remains a focus; cost-to-income ratio was 62% with expectation to hold or slightly fluctuate within ±1% next year (Pages 11, 12). - The bank expects to minimize net NPAs and carry negligible baggage to improve returns and net profits (Pages 13, 23). - PPOP (Profit before Provisions and Tax) growth was 30% YoY this quarter, indicating operating earnings strength (Page 5). - Overall, profitable growth with controlled risks is the strategic focus for FY '26 and beyond (Pages 4, 13).

The provided document pages from RBL Bank's Q3 FY25 earnings call transcript do not contain specific information regarding the bank's current or expected order book or pending orders. The discussion focuses mainly on financial performance, asset quality, credit card and retail loan segments, deposit growth, collection efficiency, and capital adequacy. There is no mention of any order book or pending orders in the excerpts provided. If you are looking for details on order books or pending deals, please provide additional documents or specify the context (e.g., loans, corporate deals), and I can assist accordingly.

- No capital raise is planned for the foreseeable future. - The bank is reducing its capital burn materially despite low ROE scenario. - The current capital position is comfortable with around 13% CET 1 ratio. - The bank has enough capital buffer and expects to operate with this cushion for about 1.5 years without raising new capital. - Growth in higher risk-weighted books is expected to slow, supporting capital adequacy. (Source: Page 9)