RBL Bank Q2 Takeaways: Loan Growth Seen At 22-25%, NIMs To Recover In Q4

RBL Bank expects loan growth to normalise to 22-25%, with net interest margins (NIMs) likely to decline modestly in Q3FY27 before recovering in Q4FY27. Operating expenses are expected to rise, while credit-card slippages are projected to decline as asset quality improves. The lender expects unsecured advances to grow at high single digits to low double digits, while its microfinance portfolio is projected to expand 5-6% quarter-on-quarter. RBL Bank also plans to add 1,000 branches over the next 2.5-3 years. Potential IRDAI reforms could affect 50-60% of the bank’s bancassurance income.