Press Release

October 12, 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 October 12, 2026, please find enclosed the following: 1. Press Release on the unaudited standalone financial results of the Bank for the quarter and half year ended September 30, 2026. 2. Investor Presentation for the quarter and half year ended September 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 October 12, 2026 on the unaudited financial results of the Bank for the quarter and half year ended September 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 September 2026 The Board of Directors of RBL Bank Limited approved the unaudited financial results for the quarter ended 30th September 2026 at its meeting held on Monday, 12th October 2026. Q2 FY27 Results at a glance ➢ Net Profit of `482 crore; grew 170% YoY ➢ NII grew 37% YoY to `2,131 crore; NIM at 4.61% ➢ Other Income grew 16% YoY to `1077 crore; Core Fee Income grew 12% YoY to `1040 crore ➢ Operating Expenses grew 3% YoY and 7% QoQ to `1,812 crore; Cost to Income ratio improved to 56.5% in Q2 FY27 from 64.7% in Q1 FY26 ➢ Operating profit grew 92% YoY to `1396 crore ➢ Net Advances grew 42% YoY to `142,314 crore; Retail: Wholesale mix was 56:44 ➢ Secured Retail advances grew 52% YoY; Unsecured Retail advances grew 6% YoY ➢ Retail Advances grew 32% YoY to `79,465 crore ➢ Wholesale advances grew 56% YoY to `62,849 crore; Commercial Banking grew at 47% YoY ➢ Total Deposits grew 34% YoY to `156,272 crore; CASA Ratio at 27.2%; Average Total Deposits grew 24% YoY to `135,214; Average CASA Ratio at 24% ➢ Granular Deposits i.e. deposits less than `3 crore grew at 16% YoY to `68,877 crore; at 44% of total deposits ➢ Total capital adequacy was 30.1% as of 30th September 2026 vs 33.3% as of 30th June 2026; CET 1 is 29.0% as of 30th September 2026 vs 32.2% as of 30th June 2026 ➢ Average LCR for Q2 FY27 was 148% ➢ GNPA down 131 bps YoY to 1.02%; NNPA down 28 bps YoY to 0.29%; Provision Coverage Ratio including Technical Write-off was 95.31% 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 Reflecting on this quarter’s performance, Mr. R Subramaniakumar, MD & CEO, RBL Bank remarked, “The quarter demonstrated the strength and resilience of our franchise, with excellent growth across assets and liabilities and strong financial performance. We successfully enhanced our funding profile through significant FCNR deposit mobilisation, creating additional flexibility to support future growth. These achievements reflect the growing trust of our customers, the dedication of our teams, and our continued commitment to building a stronger, more relevant bank for the future” Results Summary for Q2 FY27 • Operating Performance: o Net Interest Income (NII) for Q2 FY27 grew 37% YoY at `2,131 crore NIM for the quarter was 4.61% o Other Income for Q2 FY27 grew 16% YoY to `1,077 crore o Core Fee Income for Q2 FY27 grew 12% YoY to `1,040 crore o Net Total Income for Q2 FY27 grew 29% YoY to `3,208 crore o Operating Expenses for Q2 FY27 grew 3% YoY to `1,812 crore o Cost to Income for Q2 FY27 at 56.5% o Operating profit for Q2 FY27 grew 92% YoY to `1,396 crore o Credit Cost for Q2 FY27 was 63bps o Net Profit for Q2 FY27 grew 170% YoY to `482 crore • Deposits Growth predicated on Granular Retail Deposits: o Total Deposits grew 34% YoY to `156,272 crore; Average Total Deposits grew 24% YoY to `135,214 crore o CASA deposits grew 14% YoY for Q2 FY27; o CASA ratio at 27.2%; Average CASA ratio at 24.0% o Granular Deposits i.e. deposits less than `3 crore grew 16% YoY to `68,877 crore; at 44% of total deposits o Total CASA + TD < Rs. 3 crores at 58% of Total Deposits • Advances Growth with focus on secured retail assets & commercial banking: o Net Advances grew 42% YoY to `142,314 crore; o Wholesale advances grew by 56% YoY `62,849 crore; Commercial Banking grew 47% YoY o Retail Advances book grew 32% YoY to `79,465 crore o Secured Retail Advances grew 52% YoY to `51,933 crore; Unsecured Retail Advances grew 6% YoY to `27,532 crore o Retail: Wholesale advances mix at 56:44 • Well capitalized for medium term growth with healthy liquidity: o Total capital adequacy was at 30.1% as of 30th September 2026 vs 33.3% as of 30th June 2026; CET-1 was 29.0% as of 30th September 2026 vs 32.2% as of 30th June 2026 o Average Liquidity Coverage Ratio for Q2 FY27 was 148% • Asset Quality Trend: o Gross NPA ratio as at 30th September 2026 was 1.02% vs 2.32% as at 30th September 2025 o Net NPA ratio as at 30th September 2026 was 0.29% vs. 0.57% as at 30th September 2025 o Provision Coverage Ratio including technical write offs was 95.31% 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 • Expanding Distribution Presence o As of 30th September 2026, the Bank has 1,954 total touchpoints of which 628 are bank branches and 1,326 business correspondent branches. Of 1,326 BC branches, 248 are banking outlets. RBL Finserve Limited (“RBL Finserve”), a 100% subsidiary of the Bank, accounts for 1,076 business correspondent branches. Key financials: ` in crore Q2 FY27 Q2 FY26 YoY Q1 FY27 QoQ Net Interest Income 2,131 1,551 37% 1,654 29% Other Income 1,077 933 16% 959 12% Net Total Income 3,208 2,483 29% 2,614 23% Operating Expenses 1,812 1,755 3% 1,691 7% Operating Profit 1,396 728 92% 923 51% Credit Cost 771 503 53% 597 29% Net Profit 482 179 170% 254 90% ` in crore Sept 30, 2026 Sept 30, 2025 YoY June 30, 2026 QoQ Advances 1,42,314 1,00,529 42% 1,16,223 22% Retail Advances 79,465 60,131 32% 64,196 24% Secured Retail Advances 51,933 34,188 52% 36,561 42% Deposits 1,56,272 1,16,667 34% 1,24,829 25% Granular Deposits 68,877 59,443 16% 65,365 5% CASA Deposits 42,526 37,169 14% 36,468 17% Average CASA Deposits 32,504 31,056 5% 32,592 0% for the Quarter Investments 42,928 28,814 49% 37,777 14% Key ratios: Particulars (in %) Q2 FY27 Q2 FY26 Q1 FY27 Net Interest Margin 4.61 4.51 4.13 Cost to Income 56.48 70.67 64.70 Credit Cost 0.63 0.54 0.54 Return on Assets 0.92 0.48 0.57 Return on Equity 4.43 4.44 4.01 Gross NPA 1.02 2.32 1.30 Net NPA 0.29 0.57 0.37 PCR incl. Technical Write-offs 95.31 92.74 94.94 PCR 71.47 75.92 72.00 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 About RBL Bank RBL Bank, a subsidiary of Emirates NBD [Showing first 8,000 characters — download PDF for full document]