RBL Bank Ltd

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

RBL Bank Ltd

₹ 287 0.09%
09 Oct - 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

Business Profile[1]
RBL Bank Limited is headquartered in Mumbai. It operates across retail and wholesale banking segments, with a focus on secured retail and commercial banking.

Website BSE NSE
  • Market Cap ₹ 17,575 Cr.
  • Current Price ₹ 287
  • High / Low ₹ 291 / 146
  • Stock P/E 30.3
  • Book Value ₹ 258
  • Dividend Yield 0.35 %
  • ROCE 6.06 %
  • ROE 4.69 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.11 times its book value
  • Company's working capital requirements have reduced from 162 days to 92.4 days

Cons

  • Company has low interest coverage ratio.
  • Tax rate seems low
  • Company has a low return on equity of 6.82% over last 3 years.
  • Contingent liabilities of Rs.1,12,211 Cr.
  • Earnings include an other income of Rs.4,075 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

Financial Services Financial Services Banks Private Sector Bank

Part of BSE 500 Nifty 500 BSE SmallCap Nifty High Beta 50 Nifty Alpha 50

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
2,203 2,286 2,497 2,643 2,855 3,008 3,191 3,339 3,497 3,531 3,537 3,477 3,441
Interest 1,062 1,111 1,221 1,285 1,434 1,533 1,645 1,739 1,796 1,916 1,951 1,913 1,960
1,471 1,503 1,610 1,651 1,698 2,063 2,004 1,990 2,000 2,239 2,837 2,472 2,275
Financing Profit -330 -328 -334 -293 -276 -588 -458 -390 -300 -624 -1,251 -908 -794
Financing Margin % -15% -14% -13% -11% -10% -20% -14% -12% -9% -18% -35% -26% -23%
614 585 624 684 694 713 777 876 775 928 1,074 1,001 1,071
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 284 257 290 390 418 125 320 486 475 304 -177 93 277
Tax % 26% 27% 23% 24% 24% -165% 23% 25% 26% 24% -127% 7% 23%
209 188 225 299 319 331 245 364 351 232 47 87 214
EPS in Rs 3.48 3.13 3.75 4.98 5.33 5.51 4.06 6.02 5.79 3.81 0.78 1.43 3.52
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
3,713 4,561 6,302 8,779 8,676 8,445 9,677 12,394 14,041 13,985
Interest 2,492 2,741 3,761 4,885 4,539 4,148 4,679 6,350 7,576 7,740
1,234 1,827 2,559 4,919 5,129 6,674 6,071 7,520 9,312 9,822
Financing Profit -12 -6 -17 -1,025 -993 -2,378 -1,073 -1,477 -2,847 -3,577
Financing Margin % -0% -0% -0% -12% -11% -28% -11% -12% -20% -26%
755 1,069 1,441 1,918 1,875 2,352 2,507 3,060 3,778 4,075
Depreciation 62 89 126 146 170 180 213 235 236 0
Profit before tax 681 974 1,298 747 712 -206 1,221 1,349 696 498
Tax % 35% 34% 34% 33% 26% -20% 25% 7% -3%
447 633 861 500 529 -166 920 1,260 717 580
EPS in Rs 11.91 15.05 20.10 9.83 8.85 -2.77 15.34 20.82 11.80 9.54
Dividend Payout % 15% 14% 13% 15% 0% 0% 10% 7% 8%
Compounded Sales Growth
10 Years: %
5 Years: 10%
3 Years: 18%
TTM: 7%
Compounded Profit Growth
10 Years: %
5 Years: 7%
3 Years: 85%
TTM: -55%
Stock Price CAGR
10 Years: %
5 Years: 10%
3 Years: 34%
1 Year: 43%
Return on Equity
10 Years: %
5 Years: 5%
3 Years: 7%
Last Year: 5%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 375 420 427 509 598 600 600 605 608
Reserves 3,961 6,261 7,108 10,056 12,068 11,931 12,926 14,232 15,062
Deposits 34,588 43,883 58,358 57,812 73,055 79,006 84,875 103,470 110,933
Borrowing 7,980 9,261 11,832 17,007 11,226 11,098 13,332 14,185 13,735
1,771 2,052 2,673 3,600 3,672 3,528 4,074 5,961 6,435
Total Liabilities 48,676 61,877 80,398 88,983 100,619 106,163 115,806 138,454 146,772
224 327 416 471 511 538 594 591 638
CWIP 35 31 40 62 24 82 45 7 7
Investments 13,482 15,397 16,745 18,055 23,085 22,129 28,730 29,478 32,103
34,934 46,122 63,196 70,396 76,998 83,414 86,436 108,378 114,025
Total Assets 48,676 61,877 80,398 88,983 100,619 106,163 115,806 138,454 146,772

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
3,434 -2,556 78 -5,173 7,631 6,449 -11,031 4,955 -824
-142 -165 -202 -223 -174 -264 -234 -193 -281
-1,656 2,994 2,567 7,698 -4,207 -109 2,235 843 -503
Net Cash Flow 1,635 273 2,443 2,302 3,251 6,076 -9,030 5,604 -1,608

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 11% 12% 6% 5% -1% 7% 9% 5%

Shareholding Pattern

Numbers in percentages

12 Recently
Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
29.59% 28.92% 24.66% 28.27% 30.00% 28.27% 25.14% 28.47% 14.63% 13.39% 14.43% 17.56%
13.83% 19.85% 19.77% 17.91% 19.12% 19.34% 20.12% 20.28% 26.61% 17.66% 20.79% 34.37%
0.36% 0.38% 0.42% 0.42% 0.41% 0.42% 0.42% 0.42% 0.42% 0.41% 0.41% 0.39%
56.22% 50.84% 55.14% 53.38% 50.45% 51.98% 54.32% 50.83% 58.35% 68.54% 64.36% 47.67%
No. of Shareholders 4,94,2914,16,5924,04,4383,79,5363,51,1193,44,8563,58,1103,64,3804,22,5444,77,1244,52,7903,86,691

* 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.

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