RBL Bank Ltd

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

RBL Bank Ltd

₹ 263 0.27%
25 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 ₹ 15,926 Cr.
  • Current Price ₹ 263
  • High / Low ₹ 301 / 139
  • Stock P/E 14.7
  • Book Value ₹ 226
  • Dividend Yield 0.57 %
  • ROCE 5.46 %
  • ROE 6.74 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.16 times its book value
  • Company's median sales growth is 35.1% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 3.52% over last 3 years.
  • Contingent liabilities of Rs.73,405 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.2,842 Cr.
  • Working capital days have increased from 79.0 days to 122 days

* 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 2,008 1,965 2,026 1,975 2,044 2,131 2,089 2,286 2,498 2,496 2,856 3,008 3,191
Interest 1,099 1,059 1,056 1,059 1,034 1,000 1,062 1,111 1,220 1,285 1,434 1,533 1,646
1,289 1,345 2,241 1,469 1,386 1,386 1,365 1,487 1,621 1,526 1,726 2,089 2,016
Financing Profit -381 -439 -1,272 -553 -376 -255 -337 -312 -344 -315 -304 -614 -470
Financing Margin % -19% -22% -63% -28% -18% -12% -16% -14% -14% -13% -11% -20% -15%
576 549 653 593 583 511 614 583 618 674 685 704 778
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 195 110 -618 39 207 257 276 271 274 359 381 91 307
Tax % 25% 32% 26% 22% 25% 23% 27% 26% 24% 25% 24% -224% 24%
147 75 -459 31 156 198 201 202 209 271 288 294 233
EPS in Rs 2.46 1.26 -7.68 0.51 2.60 3.30 3.36 3.36 3.49 4.52 4.80 4.89 3.87
Gross NPA % 1.84% 4.34% 4.99% 5.40% 4.84% 4.40% 4.08% 3.80% 3.61% 3.37% 3.22% 3.12% 3.12%
Net NPA % 0.71% 2.12% 2.01% 2.14% 1.85% 1.34% 1.16% 1.26% 1.18% 1.10% 1.00% 0.78% 0.80%
Raw PDF
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 465 879 1,352 1,953 2,744 3,713 4,508 6,301 8,514 8,329 8,176 9,130 11,551
Interest 278 622 1,010 1,397 1,925 2,492 2,741 3,761 4,885 4,541 4,149 4,678 5,897
151 234 449 627 833 1,234 1,781 2,561 4,649 4,824 6,318 5,564 7,358
Financing Profit 36 24 -108 -70 -14 -12 -15 -21 -1,019 -1,037 -2,292 -1,113 -1,703
Financing Margin % 8% 3% -8% -4% -1% -0% -0% -0% -12% -12% -28% -12% -15%
67 126 261 403 491 755 1,068 1,442 1,910 1,884 2,341 2,489 2,842
Depreciation 8 13 21 33 48 62 87 122 138 158 164 196 0
Profit before tax 95 137 133 300 428 681 967 1,299 753 689 -115 1,180 1,138
Tax % 32% 32% 30% 31% 32% 35% 34% 33% 33% 26% 35% 25%
65 93 93 207 292 446 635 867 506 508 -75 883 1,086
EPS in Rs 3.03 3.67 3.41 7.06 9.01 11.89 15.13 20.32 9.94 8.49 -1.25 14.72 18.08
Dividend Payout % 10% 16% 26% 17% 17% 15% 14% 13% 15% 0% 0% 0%
Compounded Sales Growth
10 Years: 26%
5 Years: 15%
3 Years: 2%
TTM: 28%
Compounded Profit Growth
10 Years: 25%
5 Years: 7%
3 Years: 20%
TTM: 34%
Stock Price CAGR
10 Years: %
5 Years: -17%
3 Years: 12%
1 Year: 65%
Return on Equity
10 Years: 6%
5 Years: 5%
3 Years: 4%
Last Year: 7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 215 253 272 293 325 375 420 427 509 598 600 600
Reserves 927 1,353 1,742 1,936 2,664 3,960 6,264 7,121 10,074 12,065 12,019 12,977
5,938 11,078 15,494 24,062 34,885 42,568 53,164 70,226 74,819 84,347 90,100 98,218
127 279 689 812 1,287 1,771 2,003 2,585 3,576 3,641 3,491 4,084
Total Liabilities 7,207 12,962 18,197 27,104 39,161 48,675 61,851 80,359 88,978 100,651 106,209 115,879
45 83 110 153 158 224 303 363 408 442 467 529
CWIP 12 10 23 10 19 35 31 40 62 24 82 45
Investments 2,265 5,516 6,477 9,792 14,436 13,482 15,448 16,840 18,150 23,230 22,274 28,875
4,885 7,353 11,587 17,148 24,548 34,934 46,069 63,116 70,358 76,954 83,386 86,429
Total Assets 7,207 12,962 18,197 27,104 39,161 48,675 61,851 80,359 88,978 100,651 106,209 115,879

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-845 -1,772 -922 -2,261 -4,384 3,434 -2,528 -31 -5,084 7,597 6,449 -11,044
-21 -47 -59 -58 -60 -142 -162 -190 -206 -157 -246 -223
1,186 1,920 1,485 3,076 4,040 -1,656 2,995 2,567 7,698 -4,207 -114 2,239
Net Cash Flow 319 101 503 757 -405 1,635 305 2,345 2,408 3,233 6,090 -9,028

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 6% 7% 5% 10% 11% 12% 12% 12% 6% 4% -1% 7%

Shareholding Pattern

Numbers in percentages

4 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
34.61% 31.59% 31.31% 30.59% 28.50% 29.59% 28.92% 24.66% 28.27% 30.00% 28.27% 25.14%
20.72% 22.34% 19.68% 19.05% 11.64% 13.83% 19.85% 19.77% 17.91% 19.12% 19.34% 20.12%
0.36% 0.36% 0.36% 0.36% 0.36% 0.36% 0.38% 0.42% 0.42% 0.41% 0.42% 0.42%
44.30% 45.70% 48.64% 50.00% 59.50% 56.22% 50.84% 55.14% 53.38% 50.45% 51.98% 54.32%
No. of Shareholders 3,82,3844,08,3514,73,4954,67,4155,37,1784,94,2914,16,5924,04,4383,79,5363,51,1193,44,8563,58,110

* 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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