Archive · 17 Jan 2026
Indian Banks Report Mixed Q3 Results
Three big banks in India just shared their results for the last three months.
L&T Finance made 18% more money than last year and gave out more loans to regular people.
They want to keep growing carefully and are opening new places to give gold loans.
RBL Bank also shared its results.
They made less money than people thought they would, but they are doing better at collecting money from loans.
They are also focusing more on gold loans.
Yes Bank did really well!
They made 55% more money than last year and are doing a better job at giving out good loans.
All three banks are trying to grow in different ways, but they all want to be careful and make sure people can pay back their loans.
L&T Finance reported an 18% year-on-year growth in net profit for Q3, with retail book expanding by 21% to Rs 1.11 lakh crore.
RBL Bank's net profit was ₹214 crore, missing estimates but showing improved asset quality with gross NPAs declining to 1.88%.
Yes Bank reported a 55% year-on-year net profit growth to ₹951.6 crore, with net interest income up 11% and improved asset quality.
RBL Bank highlighted steady traction in gold loans, with disbursals running at ₹225–250 crore monthly and plans for further branch expansion.
Yes Bank's net interest margin improved to 2.6%, supported by a 10.8% rise in net interest income and stable asset quality.
- Who
- L&T Finance, RBL Bank, Yes Bank
- What
- Reported Q3 financial results with varying performances
- When
- Quarter ended December 2025
- Where
- India
- Why
- To update stakeholders on financial performance and strategic initiatives
- L&T Finance Net Profit Growth
- 18% year-on-year
- L&T Finance Retail Book Expansion
- 21% to Rs 1.11 lakh crore
- L&T Finance Gold Loan Branches
- 330 expected by Q4 FY26
- L&T Finance Growth Rate Target
- 20-25% sustainable growth
- L&T Finance AI Tool
- Cyclops for risk management
- RBL Bank Net Profit
- ₹214 crore (missed estimate of ₹265 crore)
- RBL Bank Net Interest Income
- ₹1,657.2 crore (4.6% YoY growth)
- RBL Bank Gross NPA Ratio
- 1.88% (down from 2.32% previous quarter)
- RBL Bank Credit-Deposit Ratio
- 86.1%
- Yes Bank Net Profit
- ₹951.6 crore (55% YoY growth)
- Yes Bank Net Interest Income
- ₹2,465.6 crore (11% YoY growth)
- Yes Bank Gross NPA Ratio
- 1.5% (down from 1.6% previous quarter)
- Yes Bank Net NPA Ratio
- 0.3%