RBL Bank Ltd
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]
- Market Cap ₹ 14,504 Cr.
- Current Price ₹ 240
- High / Low ₹ 301 / 136
- Stock P/E 12.1
- Book Value ₹ 226
- Dividend Yield 0.62 %
- ROCE 5.50 %
- ROE 7.06 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 1.07 times its book value
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 3.45% over last 3 years.
- Contingent liabilities of Rs.73,412 Cr.
- Company might be capitalizing the interest cost
- Earnings include an other income of Rs.2,868 Cr.
- Working capital days have increased from 76.2 days to 118 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|
Revenue | 3,713 | 4,561 | 6,302 | 8,779 | 8,676 | 8,445 | 9,550 | 11,671 |
Interest | 2,492 | 2,741 | 3,761 | 4,885 | 4,539 | 4,148 | 4,679 | 5,896 |
1,234 | 1,827 | 2,559 | 4,919 | 5,129 | 6,674 | 5,944 | 7,389 | |
Financing Profit | -12 | -6 | -17 | -1,025 | -993 | -2,378 | -1,073 | -1,615 |
Financing Margin % | -0% | -0% | -0% | -12% | -11% | -28% | -11% | -14% |
755 | 1,069 | 1,441 | 1,918 | 1,875 | 2,352 | 2,507 | 2,868 | |
Depreciation | 62 | 89 | 126 | 146 | 170 | 180 | 213 | 0 |
Profit before tax | 681 | 974 | 1,298 | 747 | 712 | -206 | 1,221 | 1,253 |
Tax % | 35% | 34% | 34% | 33% | 26% | 20% | 25% | |
447 | 633 | 861 | 500 | 529 | -166 | 920 | 1,194 | |
EPS in Rs | 11.91 | 15.05 | 20.10 | 9.83 | 8.85 | -2.77 | 15.34 | 19.88 |
Dividend Payout % | 15% | 14% | 13% | 15% | -0% | -0% | -0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 16% |
3 Years: | 3% |
TTM: | 27% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 8% |
3 Years: | 23% |
TTM: | 52% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | -19% |
3 Years: | 4% |
1 Year: | 77% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 5% |
3 Years: | 3% |
Last Year: | 7% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|
Equity Capital | 375 | 420 | 427 | 509 | 598 | 600 | 600 |
Reserves | 3,961 | 6,261 | 7,108 | 10,056 | 12,068 | 11,931 | 12,926 |
42,568 | 53,145 | 70,190 | 74,819 | 84,281 | 90,104 | 98,206 | |
1,771 | 2,052 | 2,673 | 3,600 | 3,672 | 3,528 | 4,074 | |
Total Liabilities | 48,676 | 61,877 | 80,398 | 88,983 | 100,619 | 106,163 | 115,806 |
224 | 327 | 416 | 471 | 511 | 538 | 594 | |
CWIP | 35 | 31 | 40 | 62 | 24 | 82 | 45 |
Investments | 13,482 | 15,397 | 16,745 | 18,055 | 23,085 | 22,129 | 28,730 |
34,934 | 46,122 | 63,196 | 70,396 | 76,998 | 83,414 | 86,436 | |
Total Assets | 48,676 | 61,877 | 80,398 | 88,983 | 100,619 | 106,163 | 115,806 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|
3,434 | -2,556 | 78 | -5,173 | 7,631 | 6,449 | -11,031 | |
-142 | -165 | -202 | -223 | -174 | -264 | -234 | |
-1,656 | 2,994 | 2,567 | 7,698 | -4,207 | -109 | 2,235 | |
Net Cash Flow | 1,635 | 273 | 2,443 | 2,302 | 3,251 | 6,076 | -9,030 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|
ROE % | 11% | 12% | 6% | 5% | -1% | 7% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
22 Mar - RBL Bank Limited informs the exchange about Investor Meet.
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Announcement under Regulation 30 (LODR)-Credit Rating
22 Mar - RBL Bank Limited has informed the Exchange about Credit Rating
- Closure of Trading Window 22 Mar
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
21 Mar - RBL Bank Limited has informed the Exchange about Schedule of meet.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
20 Mar - RBL Bank Limited has informed the exchange about Schedule of Meet.
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
from bse
Concalls
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Jan 2024Transcript PPT
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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]