RBL Bank Ltd

₹ 114 3.55%
30 Sep - close price
About

RBL Bank is a banking company engaged in providing a wide range of banking and financial services including wholesale banking, retail banking, treasury operations and other banking related activities.[1]

Key Points

Ratios (Q3FY21)
Capital Adequacy Ratio - 17.9%[1]
Net Interest Margin - 4.19%
Gross NPA - 1.84%
Net NPA - 0.71%
CASA Ratio - 31.1%[2]

  • Market Cap 6,820 Cr.
  • Current Price 114
  • High / Low 221 / 74.2
  • Stock P/E 13.5
  • Book Value 209
  • Dividend Yield 0.00 %
  • ROCE 3.95 %
  • ROE -1.32 %
  • Face Value 10.0

Pros

  • Stock is trading at 0.54 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 2.60% over last 3 years.
  • Contingent liabilities of Rs.68,530 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.2,306 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Revenue 2,083 2,190 2,224 2,281 2,346 2,183 2,089 2,058 2,103 2,034 2,107 2,201 2,203
Interest 1,205 1,257 1,235 1,187 1,218 1,164 1,099 1,059 1,056 1,059 1,034 1,000 1,062
957 1,275 1,388 1,444 1,259 1,229 1,366 1,438 2,329 1,552 1,484 1,490 1,471
Financing Profit -80 -342 -399 -350 -130 -210 -376 -439 -1,281 -577 -411 -289 -330
Financing Margin % -4% -16% -18% -15% -6% -10% -18% -21% -61% -28% -20% -13% -15%
484 443 490 502 333 412 571 551 660 595 584 513 614
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 404 102 90 151 203 202 195 112 -621 18 172 224 284
Tax % 34% 47% 26% 24% 24% 25% 25% 32% 26% 47% 29% 26% 26%
Net Profit 265 53 66 115 154 152 147 76 -462 10 122 165 209
EPS in Rs 6.21 1.24 1.31 2.26 3.04 2.99 2.46 1.27 -7.72 0.16 2.03 2.75 3.48
Gross NPA % 1.38% 2.60% 3.33% 3.62% 3.45% 3.34% 1.84% 4.34% 4.99%
Net NPA % 0.65% 1.56% 2.07% 2.05% 1.65% 1.38% 0.71% 2.12% 2.01%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
Revenue 3,713 4,561 6,302 8,779 8,676 8,445 8,544
Interest 2,492 2,741 3,761 4,885 4,539 4,148 4,154
1,234 1,827 2,559 4,919 5,129 6,674 5,997
Financing Profit -12 -6 -17 -1,025 -993 -2,378 -1,608
Financing Margin % -0% -0% -0% -12% -11% -28% -19%
755 1,069 1,441 1,918 1,875 2,352 2,306
Depreciation 62 89 126 146 170 180 0
Profit before tax 681 974 1,298 747 712 -206 698
Tax % 35% 34% 34% 33% 26% 20%
Net Profit 447 633 861 500 529 -166 505
EPS in Rs 11.91 15.05 20.10 9.83 8.85 -2.77 8.42
Dividend Payout % 15% 14% 13% 15% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 10%
TTM: 1%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 679%
Stock Price CAGR
10 Years: %
5 Years: -26%
3 Years: -28%
1 Year: -41%
Return on Equity
10 Years: %
5 Years: 5%
3 Years: 3%
Last Year: -1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
375 420 427 509 598 600
Reserves 3,961 6,261 7,108 10,056 12,068 11,931
42,568 53,145 70,190 74,819 84,281 90,104
1,771 2,052 2,673 3,600 3,672 3,528
Total Liabilities 48,676 61,877 80,398 88,983 100,619 106,163
224 327 416 471 511 538
CWIP 35 31 40 62 24 82
Investments 13,482 15,397 16,745 18,055 23,085 22,129
34,934 46,122 63,196 70,396 76,998 83,414
Total Assets 48,676 61,877 80,398 88,983 100,619 106,163

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
3,434 -2,556 78 -5,173 7,631 6,449
-142 -165 -202 -223 -174 -264
-1,656 2,994 2,567 7,698 -4,207 -109
Net Cash Flow 1,635 273 2,443 2,302 3,251 6,076

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
ROE % 11% 12% 6% 5% -1%

Shareholding Pattern

Numbers in percentages

45 recently
Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
21.90 27.13 28.35 32.10 30.62 37.57 34.25 34.61 31.59 31.31 30.59 28.50
22.21 27.03 27.22 19.20 18.71 21.91 22.74 20.72 22.34 19.68 19.05 11.64
0.24 0.34 0.43 0.43 0.43 0.36 0.36 0.36 0.36 0.36 0.36 0.36
55.65 45.50 44.01 48.27 50.25 40.16 42.64 44.30 45.70 48.64 50.00 59.50

Documents

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