Q1 results of rbl-concentral bank: The private sector’s RBL Bank said on Saturday that its net profit declined by 46 percent to Rs 200 crore in the first quarter of the first quarter of FY 2025-26. The bank had recorded a net profit of Rs 372 crore in the same period a year ago, while the figure was Rs 69 crore in the last March 2025 quarter.

RBL reduced profits

During this period, the main net interest income of the bank declined by 13 percent to Rs 1,481 crore. The net interest margin declined by 1.15% to 4.5% on a annual basis. In the period under review, other income increased by 33% to Rs 1,069 crore.

RBL Bank Managing Director and CEO R Subramankumar said that high -risk unsafe portfolio with high margin continues to fall. He said that the bank has maintained its debt hike estimate of 14-15 percent for the current financial year. The gross non-performing asset ratio increased from 2.60 percent to 2.78 percent of March. The total provision increased by 21 percent to Rs 442 crore on an annual basis.

Central Bank’s profit increased by 33 percent

The net profit of the public sector Central Bank of India was Rs 1,169 crore to Rs 1,169 crore in the April-June quarter of the current financial year. The company said on Saturday that its profit has increased due to improvement in main income and reduction in debt. The net profit of this bank in Mumbai was Rs 880 crore in the same quarter of the last financial year. The Central Bank of India said in the information to the stock market that its total income was Rs 10,374 crore in the quarter under review, which was Rs 9,500 crore in the same quarter of the previous financial year.

The bank’s interest income increased to Rs 8,589 crore in the quarter, which was Rs 8,335 crore in the same quarter of the previous financial year .. During the period under review, the bank’s operational profit increased to Rs 2,304 crore, while it was Rs 1,933 crore in the same quarter a year ago .. The bank’s asset quality improved.

At the end of the June quarter, gross non-performing assets (NPAs) declined to 3.13 percent of the total debt, which was 4.54 percent in the same quarter a year ago .. The total debt of the bank increased by 9.97 percent to Rs 2,75,595 crore in the June quarter, which was Rs 2,50,615 crore in the end of June 2024 .. This is how the pure NPA or poor debt decreased by 0.49 percent in the end of June 2024. Gaya, while it was 0.73 percent in the same period a year ago.

Due to this, the provision and contingency expenses were half to Rs 521 crore during the June quarter, while it was Rs 1,191 crore in the same period a year ago .. Provision coverage ratio (PCR) increased by 0.85 percent to 96.17 percent to 97.02 percent .. The bank’s capital adequacy ratio (CAR) increased to 17.6 percent in the same quarter, which increased to 17.6 percent in the last financial year, which increased the bank’s adequately (CAR) in the last financial year. Was.

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Rbi repo rate: On the economic front, more relief can be given by the Reserve Bank of India in the coming days. In the month of March, the inflation rate based on the Consumer Price Index came to the level of 3.34. This has been low in the last several years. The SBI report said that about 125 basis points can be cut by RBI in the financial year 2025-26 due to the possibility of further reduction in inflation.

On Monday, SBI report said that the RBI meetings to be held in the months of June and August could have a cut of about 75 basis points, while 50 basis points can be deducted in the second half of the financial year 2026.

Repo rate more cut possible

It is worth noting that earlier the RBI has cut a 50 -basis point amid global uncertainties, with 25 basis points in February in February and 25 basis points were cut in April.

The ABI report said that in the month of March, the multi -year lower inflation rate and the possibility of inflation continue to remain normal, the policy rate may be cut by 75 basis points in June and August. It further states that in the second half, there is a more cut of 50 basis points in the second half.

Inflation will be less

The SBI report suggested that the central bank should cut the repo by half a percent, as it will be more effective. The report said that inflation based on the Consumer Price Index has declined a sharp decline and it has come down to 67 months low in March 2025. This was possible due to rapid improvement in food inflation.

The Research Report titled ‘Inflation and Rate Cut Project Path’ of State Bank of India said that GDP (GDP) growth at current prices for FY 2025-26 is expected to be in the range of 9-9.5 percent. In such a situation, in view of low growth and low inflation, there is a good scope for cuts in policy rates.

The report said, “With the multicolored low inflation in March and the projection of general inflation, we are expecting a rate of 0.75 percent in the rate in June and August and a half percent cut in the second half of the current financial year.” In this way, the total cuts can be close to 1.25 percent. ”The report said that instead of cuting 0.25 percent, the cut of 0.5 percent will be more effective. According to the report, in 2025 dollars are expected to be within a radius of Rs 85-87.

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