Press Release

July 17, 2026 BSE Limited, National Stock Exchange of India Limited, 1st Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E), Mumbai – 400001 Mumbai -400051 Scrip Code: 540065 Scrip Name: RBLBANK Reg: Disclosure under relevant provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“SEBI Listing Regulations”) Further to our submission i.e. Outcome of Board Meeting dated July 17, 2026, please find enclosed the following: 1. Press Release on the unaudited standalone financial results of the Bank for the quarter ended June 30, 2026. 2. Investor Presentation for the quarter ended June 30, 2026. In compliance with Regulation 46(2) of SEBI Listing Regulations, the information is being hosted on the Bank's Website at https://www.rbl.bank.in/. Further, pursuant to Regulation 30 and 46(2) of the SEBI Listing Regulations, the audio recording and transcript of the earnings call with analysts and investors to be held on July 17, 2026 on the unaudited financial results of the Bank for the quarter ended June 30, 2026, shall also be made available on the website of the Bank at https://www.rbl.bank.in/. Kindly take the same on record. Thanking you, Yours faithfully, For RBL Bank Limited Niti Arya Company Secretary Encl: As above www.rbl.bank.in RBL Bank Limited Controlling Office: One World Center, Tower 2B, 6th Floor, 841 Senapati Bapat Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India I Tel:+91 22 43020600 Registered Office: 1st Lane, Shahupuri, Kolhapur - 416001, India I Tel.: +91 231 6650214 CIN: L65191PN1943PLC007308 . E-mail: customercare@rbl.bank.in RBL Bank Limited (Subsidiary of Emirates NBD Bank P.J.S.C) One World Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 PRESS RELEASE RBL BANK ANNOUNCES UNAUDITED FINANCIAL RESULTS FOR THE QUARTER ENDED 30th JUNE 2026 The Board of Directors of RBL Bank Limited approved the unaudited financial results for the quarter ended 30th June 2026 at its meeting held on Friday, 17th July 2026. Q1 FY27 Results at a glance ➢ Net Profit of `254 crore; grew 27% YoY ➢ Operating profit grew 31% YoY to `923 crore ➢ NII grew 12% YoY to `1,654 crore; NIM at 4.13% ➢ Other Income de-grew 10% YoY to `959 crore; Core Fee Income grew 16% YoY to `923 crore ➢ Operating Expenses de-grew 8% YoY and 5% QoQ to `1,691 crore; Cost to Income ratio improved to 64.7% in Q1 FY27 from 72.4% in Q1 FY26 ➢ Net Advances grew 23% YoY to `116,223 crore; Retail: Wholesale mix was 55:45 ➢ Secured Retail advances grew 18% YoY; Unsecured Retail advances grew 8% YoY ➢ Retail Advances grew 13% YoY to `64,196 crore ➢ Wholesale advances grew 38% YoY to `52,027 crore; Commercial Banking grew at 36% YoY ➢ Total Deposits grew 11% YoY to `124,829 crore; CASA Ratio at 29.2%; Average Total Deposits grew 24% YoY to `129,362; Average CASA Ratio at 25.2% ➢ Granular Deposits i.e. deposits less than `3 crore grew faster at 13% YoY to `65,365 crore; at 52.4% of total deposits ➢ Total capital adequacy was 33.3% as of 30th June 2026 vs 14.2% as of 31st March 2026; CET 1 is 32.2% as of 30th June 2026 vs 12.8% as of 31st March 2026 ➢ Average LCR for Q1 FY27 was 133% ➢ GNPA down 148 bps YoY to 1.30%; NNPA down 9bps YoY to 0.37%; Provision Coverage Ratio including Technical Write off was 94.94% Page 1 of 4 RBL Bank Limited (Subsidiary of Emirates NBD Bank P.J.S.C) One World Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 During the quarter, Emirates NBD Bank (P.J.S.C) (“ENBD”) infused approximately USD 2.75 billion (~INR 260 billion) on 18 June 2026 by way of a preferential issue. ENBD holds 60% of the expanded share capital of RBL Bank and has been classified as a promoter. Reflecting on this quarter’s performance, Mr. R Subramaniakumar, MD & CEO, RBL Bank remarked, “This quarter saw the culmination of our capital raise with Emirates NBD. We are excited by the long term potential of this relationship and believe that this capital will allow us the time and opportunity to invest and scale and build a resilient and relevant Bank for our customers. The Bank also saw an upgrade of its long term credit ratings to AAA” Results Summary for Q1 FY27 • Operating Performance: o Net Profit for Q1 FY27 grew 27% YoY to `254 crore o Operating profit for Q1 FY27 grew 31% YoY to `923 crore o Provisions and contingencies for Q1 FY27 at `599 crore o Net Interest Income (NII) for Q1 FY27 grew 12% YoY at `1,654 crore NIM for the quarter was 4.13% o Other Income for Q1 FY27 de-grew 10% YoY to `959 crore o Core Fee Income for Q1 FY27 grew 16% YoY to `923 crore o Net Total Income for Q1 FY27 grew 2% YoY to `2,614 crore o Operating Expenses for Q1 FY27 de-grew 8% YoY to `1,691 crore o Cost to Income for Q1 FY27 at 64.7% • Deposits Growth predicated on Granular Retail Deposits: o Total Deposits grew 11% YoY to `124,829 crore; Average Total Deposits grew 24% YoY to `129,362 crore o CASA growth was flat YoY; CASA deposits at `36,468 crore for Q1 FY27; CASA ratio at 29.2%; Average CASA ratio at 25.2% o Granular Deposits i.e. deposits less than `3 crore grew 13% YoY to `65,365 crore; at 52.4% of total deposits o CASA + TD < `3 crores at 65% of Total Deposits • Advances Growth with focus on secured retail assets & commercial banking: o Net Advances grew 23% YoY to `116,223 crore; Retail: Wholesale advances mix at 55:45 o Retail Advances book grew 13% YoY to `64,196 crore o Secured Retail Advances grew 18% YoY to `36,561 crore; Unsecured Retail Advances grew 8% YoY to `27,635 crore o Wholesale advances grew by 38% YoY `52,027 crore; Commercial Banking grew 36% YoY • Well capitalized for medium term growth with healthy liquidity: o Total capital adequacy was at 33.3% as of 30th June 2026 vs 14.2% as of 31st March 2026; CET- 1 was 32.2% as of 30th June 2026 vs 12.8% as of 31st March 2026 o Average Liquidity Coverage Ratio for Q1 FY27 was 133% Page 2 of 4 RBL Bank Limited (Subsidiary of Emirates NBD Bank P.J.S.C) One World Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 • Asset Quality Trend: o Gross NPA ratio as at 30th June 2026 was 1.30% vs 2.78% as at 30th June 2025 o Net NPA ratio as at 30th June 2026 was 0.37% vs. 0.45% as at 30th June 2025 o Provision Coverage Ratio including technical write offs was 94.94% • Expanding Distribution Presence o As of 30th June 2026, the Bank has 1,967 total touchpoints of which 628 (including 25 branches opened in this quarter) are bank branches and 1,339 business correspondent branches. Of 1,339 BC branches, 251 are banking outlets. RBL Finserve Limited (“RBL Finserve”), a 100% subsidiary of the Bank, accounts for 1,080 business correspondent branches. Key financials: ` in crore Q1 FY27 Q1 FY26 YoY Q4 FY26 QoQ Net Interest Income 1,654 1,481 12% 1,671 -1% Other Income 959 1,069 -10% 1,069 -10% Net Total Income 2,614 2,550 2% 2,740 -5% Operating Expenses 1,691 1,847 -8% 1,785 -5% Operating Profit 923 703 31% 955 -3% Provisions and contingencies 599 442 35% 678 -12% Net Profit 254 200 27% 230 10% ` in crore June 30, 2026 June 30, 2025 YoY March 31, 2026 QoQ Advances 1,16,223 94,431 23% 1,14,232 2% Retail Advances 64,196 56,625 13% 67,119 -4% Secured Retail Advances 36,561 30,946 18% 40,207 -9% Deposits 1,24,829 1,12,734 11% 1,39,018 -10% Granular Deposits 65,365 57,934 13% 63,943 2% CASA Deposits 36,468 36,614 0% 46,723 -22% Average CASA Deposits 32,592 29,351 11% 33,814 -4% for the Quarter Investments 37,777 23,829 59% 32,078 18% Page 3 of 4 RBL Bank Limited (Subsidiary of Emirates NBD Bank P.J.S.C) One World Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 Key ratios: Particulars (in %) Q1 FY27 Q1 FY26 Q4 FY26 Net Interest Margin 4.13 4.50 4.41 Cost to Income 64.70 72.44 65.13 Credit Cost 0.54 0.50 0.65 Return on Assets 0.57 0.56 0.55 Return on Equity 4.01 5.11 5.69 Gross NPA 1.30 2.78 1.45 Net NPA 0.37 0.45 0.39 P [Showing first 8,000 characters — download PDF for full document]