RBL Bank’s profit declined 81% year-on-year to Rs 69 crore in the fourth quarter of the previous financial year, impacted by rise in provisions due to spike in bad loans. The Q4 FY25 numbers, announced on Friday, beat Street expectations as the analysts polled by Bloomberg had estimated the bank to post Rs 47.5 crore net profit in the quarter. Net interest income, the difference between interest earned and paid, declined 2% to Rs 1,563 crore in the quarter from Rs 1,600 crore in the same quarter of FY24. Provisions jumped 90% to Rs 785.14 crore from Rs 413 crore in the year-ago period, due to a rise in slippages in credit cards and microfinance segments.