RBL Bank Ltd consolidated Q3 FY2024-25 PAT declines to Rs. 47.32 crores

RBL Bank Limited has reported Consolidated financial results for the period ended December 31, 2024.

Financial Results (Q3 FY2025) - QoQ Comparison

The company has reported total income of Rs. 4610.47 crores during the period ended December 31, 2024 as compared to Rs. 4459.05 crores during the period ended September 30, 2024.

The company has posted net profit / (loss) of Rs. 47.32 crores for the period ended December 31, 2024 as against net profit / (loss) of Rs. 231.70 crores for the period ended September 30, 2024.

The company has reported EPS of Rs. 0.78 for the period ended December 31, 2024 as compared to Rs. 3.77 for the period ended September 30, 2024.

Financials	Q3 FY2025	Q2 FY2025	% Change
Total Income	₹ 4610.47 crs	₹4459.05 crs	3.40%
Net Profit	₹47.32 crs	₹231.70 crs	-79.58%
EPS	₹0.78	₹3.77	-79.31%

Financial Results (Q3 FY2025) - YoY Comparison

The company has reported total income of Rs. 4610.47 crores during the period ended December 31, 2024 as compared to Rs.3968.82 crores during the period ended December 31, 2023.

The company has posted net profit / (loss) of Rs.47.32 crores for the period ended December 31, 2024 as against net profit / (loss) of Rs.244.89 crores for the period ended December 31, 2023.

The company has reported EPS of Rs.0.78 for the period ended December 31, 2024 as compared to Rs.3.99 for the period ended December 31, 2023.

Financials	Q3 FY2025	Q3 FY2024	% Change
Total Income	₹ 4610.47 crs	₹3968.82 crs	16.17%
Net Profit	₹47.32 crs	₹244.89 crs	-80.68%
EPS	₹0.78	₹3.99	-80.45%

Financial Results (9 Months Ended FY2025) - YoY Comparison

The company has reported total income of Rs.13341.58 crores during the 9 Months period ended December 31, 2024 as compared to Rs.11238.76 crores during the 9 Months period ended December 31, 2023.

The company has posted net profit / (loss) of Rs.630.07 crores for the 9 Months period ended December 31, 2024 as against net profit / (loss) of Rs.895.46 crores for the 9 Months period ended December 31, 2023.

The company has reported EPS of Rs.10.29 for the 9 Months period ended December 31, 2024 as compared to Rs.14.65 for the 9 Months period ended December 31, 2023.

Financials	9 Months Ended FY2025	9 Months Ended FY2024	% Change
Total Income	₹13341.58 crs	₹11238.76 crs	18.71%
Net Profit	₹630.07 crs	₹895.46 crs	-29.64%
EPS	₹10.29	₹14.65	-29.76%

Asset Quality:

Asset Quality	Q3 FY2025	Q2 FY2025	Q3 FY2024
Gross NPA	₹2701 crs	₹2581.08 crs	₹2551.05 crs
Gross NPA %	2.92%	2.88%	3.12%
Net NPA	₹481.64 crs	₹697.51 crs	₹635.64 crs
Net NPA %	0.53%	0.79%	0.80%

Gross NPA was at ₹ 2701 crs in Q3 FY2025 against ₹ 2551.05 crs in Q3 FY2024. The same was at ₹ 2581.08 crs in Q2 FY2025.

Net NPA was at ₹ 481.64 crs in Q3 FY2025 against ₹ 635.64 crs in Q3 FY2024. The same was at ₹ 697.51 crs in Q2 FY2025.

GNPA was at 2.92% of Gross advances as on December 31, 2024 as compared to 3.12% as on December 31, 2023 and 2.88% as of September 30, 2024.

Net NPA was at 0.53% of Gross advances as on December 31, 2024 as compared to 0.80% as on December 31, 2023 and 0.79% as of September 30, 2024.

Ratios	Q3 FY2025	Q2 FY2025	Q3 FY2024
RoA %	0.09%	0.64%	0.75%
CAR (BASEL III) %	14.86%	15.39%	15.66%

Return on Average Assets (RoA) is at 0.09% for Q3 FY2025 against 0.64% in Q2 FY2025 and 0.75% in Q3 FY2024.

In Q3 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 14.86%, as compared to 15.39% in Q2 FY2025 and 15.66% in Q3 FY2024.

Shares of RBL Bank Limited was last trading in BSE at Rs. 155.10 as compared to the previous close of Rs. 158.55. The total number of shares traded during the day was 292921 in over 3634 trades.

The stock hit an intraday high of Rs. 159.70 and intraday low of 154.70. The net turnover during the day was Rs. 45696829.00.

Source : Equity Bulls

Keywords

RBLBank Q3FY25 9MFY25 Q3FY2025 9MFY2025 ResultUpdate