RBL Bank Ltd

RBL Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

RBL Bank Ltd

₹ 200 -1.37%
30 Apr - close price
rblbank.com BSE: 540065 NSE: RBLBANK
About

Incorporated in 1943,RBL Bank is a banking company engaged in providing specialized services under five business verticals namely: Corporate Banking, Commercial Banking, Branch & Business Banking, Retail Assets and Treasury & Financial Markets Operations.[1][2]

Key Points

Ratios (9MFY24)
Capital Adequacy Ratio - 16.42%[1]
Net Interest Margin - 5.53%[2]
Gross NPA - 3.12%[3]
Net NPA - 0.80%
CASA Ratio - 33.8%[4]

Website BSE NSE
  • Market Cap ₹ 12,182 Cr.
  • Current Price ₹ 200
  • High / Low ₹ 272 / 146
  • Stock P/E 17.5
  • Book Value ₹ 254
  • Dividend Yield 0.75 %
  • ROCE 6.05 %
  • ROE 4.60 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.79 times its book value
  • Company's median sales growth is 21.4% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Tax rate seems low
  • Company has a low return on equity of 6.48% over last 3 years.
  • Contingent liabilities of Rs.97,211 Cr.
  • Earnings include an other income of Rs.3,806 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE 500 BSE 250 SmallCap Index BSE Financial Services BSE SmallCap Select Index Nifty Private Bank

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
2,131 2,089 2,286 2,498 2,642 2,856 3,008 3,191 3,339 3,496 3,531 3,536 3,476
Interest 1,000 1,062 1,111 1,220 1,285 1,434 1,533 1,646 1,739 1,796 1,916 1,951 1,913
1,386 1,365 1,487 1,621 1,672 1,726 2,089 2,016 2,002 2,013 2,251 2,851 2,487
Financing Profit -255 -337 -312 -344 -315 -304 -614 -470 -402 -313 -636 -1,266 -924
Financing Margin % -12% -16% -14% -14% -12% -11% -20% -15% -12% -9% -18% -36% -27%
511 614 583 618 674 685 704 778 875 805 927 1,073 1,000
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 257 276 271 274 359 381 91 307 473 493 292 -192 76
Tax % 23% 27% 26% 24% 25% 24% -224% 24% 25% 25% 24% -117% 10%
198 201 202 209 271 288 294 233 353 372 223 33 69
EPS in Rs 3.30 3.36 3.36 3.49 4.52 4.80 4.89 3.87 5.83 6.13 3.66 0.54 1.13
Gross NPA % 4.40% 4.08% 3.80% 3.61% 3.37% 3.22% 3.12% 3.12% 2.65% 2.69% 2.88% 2.92% 2.60%
Net NPA % 1.34% 1.16% 1.26% 1.18% 1.10% 1.00% 0.78% 0.80% 0.74% 0.74% 0.79% 0.53% 0.29%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,352 1,953 2,744 3,713 4,508 6,301 8,514 8,329 8,176 9,677 12,394 14,039
Interest 1,010 1,397 1,925 2,492 2,741 3,761 4,885 4,541 4,149 4,678 6,351 7,576
449 627 833 1,234 1,781 2,561 4,649 4,824 6,318 6,111 7,619 9,601
Financing Profit -108 -70 -14 -12 -15 -21 -1,019 -1,037 -2,292 -1,113 -1,576 -3,138
Financing Margin % -8% -4% -1% -0% -0% -0% -12% -12% -28% -12% -13% -22%
261 403 491 755 1,068 1,442 1,910 1,884 2,341 2,489 3,043 3,806
Depreciation 21 33 48 62 87 122 138 158 164 196 215 0
Profit before tax 133 300 428 681 967 1,299 753 689 -115 1,180 1,252 668
Tax % 30% 31% 32% 35% 34% 33% 33% 26% -35% 25% 7% -4%
93 207 292 446 635 867 506 508 -75 883 1,168 695
EPS in Rs 3.41 7.06 9.01 11.89 15.13 20.32 9.94 8.49 -1.25 14.72 19.30 11.44
Dividend Payout % 26% 17% 17% 15% 14% 13% 15% 0% 0% 10% 8% 9%
Compounded Sales Growth
10 Years: 22%
5 Years: 11%
3 Years: 20%
TTM: 13%
Compounded Profit Growth
10 Years: 13%
5 Years: 7%
3 Years: 124%
TTM: -40%
Stock Price CAGR
10 Years: %
5 Years: 9%
3 Years: 20%
1 Year: -25%
Return on Equity
10 Years: 6%
5 Years: 5%
3 Years: 6%
Last Year: 5%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 272 293 325 375 420 427 509 598 600 600 605 608
Reserves 1,742 1,936 2,664 3,960 6,264 7,121 10,074 12,065 12,019 12,977 14,191 14,829
Deposits 11,599 17,099 24,349 34,588 43,902 58,394 57,812 73,121 79,007 84,887 103,494 110,944
Borrowing 3,896 6,963 10,536 7,980 9,261 11,832 17,007 11,226 11,093 13,331 14,184 13,734
689 812 1,287 1,771 2,003 2,585 3,576 3,641 3,491 4,082 5,958 6,611
Total Liabilities 18,197 27,104 39,161 48,675 61,851 80,359 88,978 100,651 106,209 115,876 138,432 146,725
110 153 158 224 303 363 408 442 467 529 525 577
CWIP 23 10 19 35 31 40 62 24 82 45 7 0
Investments 6,477 9,792 14,436 13,482 15,448 16,840 18,150 23,230 22,274 28,875 29,576 32,165
11,587 17,148 24,548 34,934 46,069 63,116 70,358 76,954 83,386 86,427 108,324 113,984
Total Assets 18,197 27,104 39,161 48,675 61,851 80,359 88,978 100,651 106,209 115,876 138,432 146,725

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-922 -2,261 -4,384 3,434 -2,528 -31 -5,084 7,597 6,449 -11,044 4,935 -842
-59 -58 -60 -142 -162 -190 -206 -157 -246 -223 -172 -263
1,485 3,076 4,040 -1,656 2,995 2,567 7,698 -4,207 -114 2,239 842 -503
Net Cash Flow 503 757 -405 1,635 305 2,345 2,408 3,233 6,090 -9,028 5,605 -1,608

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 5% 10% 11% 12% 12% 12% 6% 4% -1% 7% 8% 5%

Shareholding Pattern

Numbers in percentages

13 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
28.50% 29.59% 28.92% 24.66% 28.27% 30.00% 28.27% 25.14% 28.47% 14.63% 13.39% 14.43%
11.64% 13.83% 19.85% 19.77% 17.91% 19.12% 19.34% 20.12% 20.28% 26.61% 17.66% 20.79%
0.36% 0.36% 0.38% 0.42% 0.42% 0.41% 0.42% 0.42% 0.42% 0.42% 0.41% 0.41%
59.50% 56.22% 50.84% 55.14% 53.38% 50.45% 51.98% 54.32% 50.83% 58.35% 68.54% 64.36%
No. of Shareholders 5,37,1784,94,2914,16,5924,04,4383,79,5363,51,1193,44,8563,58,1103,64,3804,22,5444,77,1244,52,790

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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