RBL Bank Ltd

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

RBL Bank Ltd

₹ 337 -1.36%
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

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 ₹ 20,810 Cr.
  • Current Price ₹ 337
  • High / Low ₹ 346 / 188
  • Stock P/E 23.7
  • Book Value ₹ 268
  • Dividend Yield 0.30 %
  • ROCE 5.81 %
  • ROE 5.46 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.6% over past five years.
  • Company has a low return on equity of 6.27% over last 3 years.
  • Contingent liabilities of Rs.1,12,211 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.4,127 Cr.
  • Dividend payout has been low at 7.57% of profits over last 3 years
  • Working capital days have increased from 189 days to 295 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

Financial Services Financial Services Banks Private Sector Bank

Part of BSE 500 Nifty 500 Nifty Smallcap 100 Nifty Alpha 50 BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
2,643 2,855 3,008 3,191 3,339 3,497 3,531 3,537 3,477 3,441 3,508 3,667 3,721
Interest 1,285 1,434 1,533 1,645 1,739 1,796 1,916 1,951 1,913 1,960 1,956 2,009 2,049
1,651 1,698 2,063 2,004 1,990 2,000 2,239 2,837 2,472 2,275 2,240 2,420 2,448
Financing Profit -293 -276 -588 -458 -390 -300 -624 -1,251 -908 -794 -688 -762 -776
Financing Margin % -11% -10% -20% -14% -12% -9% -18% -35% -26% -23% -20% -21% -21%
684 694 713 777 876 775 928 1,074 1,001 1,071 934 1,052 1,070
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 390 418 125 320 486 475 304 -177 93 277 245 289 294
Tax % 24% 24% -165% 23% 25% 26% 24% -127% 7% 23% 22% 21% 17%
299 319 331 245 364 351 232 47 87 214 192 228 244
EPS in Rs 4.98 5.33 5.51 4.06 6.02 5.79 3.81 0.78 1.43 3.52 3.14 3.69 3.95
Gross NPA %
Net NPA %
Raw PDF

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 Mar 2026
3,713 4,561 6,302 8,779 8,676 8,445 9,677 12,394 14,041 14,337
Interest 2,492 2,741 3,761 4,885 4,539 4,148 4,679 6,350 7,576 7,975
1,234 1,827 2,559 4,919 5,129 6,674 6,071 7,520 9,312 9,383
Financing Profit -12 -6 -17 -1,025 -993 -2,378 -1,073 -1,477 -2,847 -3,021
Financing Margin % -0% -0% -0% -12% -11% -28% -11% -12% -20% -21%
755 1,069 1,441 1,918 1,875 2,352 2,507 3,060 3,778 4,127
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 1,106
Tax % 35% 34% 34% 33% 26% -20% 25% 7% -3% 21%
447 633 861 500 529 -166 920 1,260 717 879
EPS in Rs 11.91 15.05 20.10 9.83 8.85 -2.77 15.34 20.82 11.80 14.22
Dividend Payout % 15% 14% 13% 15% -0% -0% 10% 7% 8% 7%
Compounded Sales Growth
10 Years: %
5 Years: 11%
3 Years: 14%
TTM: 2%
Compounded Profit Growth
10 Years: %
5 Years: 11%
3 Years: -2%
TTM: 23%
Stock Price CAGR
10 Years: %
5 Years: 13%
3 Years: 30%
1 Year: 68%
Return on Equity
10 Years: 6%
5 Years: 5%
3 Years: 6%
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 Mar 2026
Equity Capital 375 420 427 509 598 600 600 605 608 618
Reserves 3,961 6,261 7,108 10,056 12,068 11,931 12,926 14,232 15,062 15,931
Deposits 34,588 43,883 58,358 57,812 73,055 79,006 84,875 103,470 110,933 138,959
Borrowing 7,980 9,261 11,832 17,007 11,226 11,098 13,332 14,185 13,735 16,796
1,771 2,052 2,673 3,600 3,672 3,528 4,074 5,961 6,435 8,442
Total Liabilities 48,676 61,877 80,398 88,983 100,619 106,163 115,806 138,454 146,772 180,747
224 327 416 471 511 538 594 591 638 582
CWIP 35 31 40 62 24 82 45 7 7 -0
Investments 13,482 15,397 16,745 18,055 23,085 22,129 28,730 29,478 32,103 32,059
34,934 46,122 63,196 70,396 76,998 83,414 86,436 108,378 114,025 148,107
Total Assets 48,676 61,877 80,398 88,983 100,619 106,163 115,806 138,454 146,772 180,747

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 Mar 2026
3,434 -2,556 78 -5,173 7,631 6,449 -11,031 4,955 -829 7,578
-142 -165 -202 -223 -174 -264 -234 -193 -281 -225
-1,656 2,994 2,567 7,698 -4,207 -109 2,235 843 -503 3,160
Net Cash Flow 1,635 273 2,443 2,302 3,251 6,076 -9,030 5,604 -1,612 10,513
Free Cash Flow 3,291 -2,721 -123 -5,395 7,457 6,185 -11,265 4,762 -1,109 7,353
CFO/OP 147% -80% 18% -125% 225% 374% -299% 106% -14% 156%

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 Mar 2026
ROE % 10% 11% 12% 6% 5% -1% 7% 9% 5% 5%

Insights

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Business Per Employee
INR Million ・Standalone data
Number of Employees
Number ・Standalone data
Net Interest Margin (NIM)
Percentage ・Standalone data
ATM Count
Number ・Standalone data
Credit Cards In Force
Million ・Standalone data
Number of Customers
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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
28.27% 30.00% 28.27% 25.14% 28.47% 14.63% 13.39% 14.43% 17.56% 15.49% 21.91% 20.23%
17.91% 19.12% 19.34% 20.12% 20.28% 26.61% 17.66% 20.79% 34.37% 35.28% 39.69% 42.97%
0.42% 0.41% 0.42% 0.42% 0.42% 0.42% 0.41% 0.41% 0.39% 0.38% 0.35% 0.37%
53.38% 50.45% 51.98% 54.32% 50.83% 58.35% 68.54% 64.36% 47.67% 48.85% 38.04% 36.44%
No. of Shareholders 3,79,5363,51,1193,44,8563,58,1103,64,3804,22,5444,77,1244,52,7903,86,6913,47,2923,38,5553,23,042

* 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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