RBL Bank Ltd

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

RBL Bank Ltd

₹ 155 0.58%
15 Jan 10:22 a.m.
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 ₹ 9,436 Cr.
  • Current Price ₹ 155
  • High / Low ₹ 292 / 147
  • Stock P/E 8.01
  • Book Value ₹ 245
  • Dividend Yield 0.97 %
  • ROCE 6.23 %
  • ROE 8.23 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.63 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 4.95% over last 3 years.
  • Contingent liabilities of Rs.97,211 Cr.
  • Earnings include an other income of Rs.3,386 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

Part of BSE 250 SmallCap Index Nifty 500 Nifty Smallcap 100 BSE SmallCap BSE 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 1,975 2,044 2,131 2,089 2,286 2,498 2,642 2,856 3,008 3,191 3,339 3,496 3,531
Interest 1,059 1,034 1,000 1,062 1,111 1,220 1,285 1,434 1,533 1,646 1,739 1,796 1,916
1,469 1,386 1,386 1,365 1,487 1,621 1,672 1,726 2,089 2,016 2,002 2,013 2,251
Financing Profit -553 -376 -255 -337 -312 -344 -315 -304 -614 -470 -402 -313 -636
Financing Margin % -28% -18% -12% -16% -14% -14% -12% -11% -20% -15% -12% -9% -18%
593 583 511 614 583 618 674 685 704 778 875 805 927
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 39 207 257 276 271 274 359 381 91 307 473 493 292
Tax % 22% 25% 23% 27% 26% 24% 25% 24% -224% 24% 25% 25% 24%
31 156 198 201 202 209 271 288 294 233 353 372 223
EPS in Rs 0.51 2.60 3.30 3.36 3.36 3.49 4.52 4.80 4.89 3.87 5.83 6.13 3.66
Gross NPA % 5.40% 4.84% 4.40% 4.08% 3.80% 3.61% 3.37% 3.22% 3.12% 3.12% 2.65% 2.69% 2.88%
Net NPA % 2.14% 1.85% 1.34% 1.16% 1.26% 1.18% 1.10% 1.00% 0.78% 0.80% 0.74% 0.74% 0.79%
Raw PDF
Upcoming result date: 18 January 2025

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 879 1,352 1,953 2,744 3,713 4,508 6,301 8,514 8,329 8,176 9,677 12,394 13,558
Interest 622 1,010 1,397 1,925 2,492 2,741 3,761 4,885 4,541 4,149 4,678 6,351 7,097
234 449 627 833 1,234 1,781 2,561 4,649 4,824 6,318 6,111 7,619 8,282
Financing Profit 24 -108 -70 -14 -12 -15 -21 -1,019 -1,037 -2,292 -1,113 -1,576 -1,821
Financing Margin % 3% -8% -4% -1% -0% -0% -0% -12% -12% -28% -12% -13% -13%
126 261 403 491 755 1,068 1,442 1,910 1,884 2,341 2,489 3,043 3,386
Depreciation 13 21 33 48 62 87 122 138 158 164 196 215 0
Profit before tax 137 133 300 428 681 967 1,299 753 689 -115 1,180 1,252 1,565
Tax % 32% 30% 31% 32% 35% 34% 33% 33% 26% -35% 25% 7%
93 93 207 292 446 635 867 506 508 -75 883 1,168 1,180
EPS in Rs 3.67 3.41 7.06 9.01 11.89 15.13 20.32 9.94 8.49 -1.25 14.72 19.30 19.49
Dividend Payout % 16% 26% 17% 17% 15% 14% 13% 15% 0% 0% 10% 8%
Compounded Sales Growth
10 Years: 25%
5 Years: 14%
3 Years: 14%
TTM: 23%
Compounded Profit Growth
10 Years: 29%
5 Years: 6%
3 Years: 32%
TTM: 11%
Stock Price CAGR
10 Years: %
5 Years: -15%
3 Years: -1%
1 Year: -48%
Return on Equity
10 Years: 7%
5 Years: 5%
3 Years: 5%
Last Year: 8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 253 272 293 325 375 420 427 509 598 600 600 605
Reserves 1,353 1,742 1,936 2,664 3,960 6,264 7,121 10,074 12,065 12,019 12,977 14,191
11,078 15,494 24,062 34,885 42,568 53,164 70,226 74,819 84,347 90,100 98,218 117,678
279 689 812 1,287 1,771 2,003 2,585 3,576 3,641 3,491 4,082 5,958
Total Liabilities 12,962 18,197 27,104 39,161 48,675 61,851 80,359 88,978 100,651 106,209 115,876 138,432
83 110 153 158 224 303 363 408 442 467 529 525
CWIP 10 23 10 19 35 31 40 62 24 82 45 7
Investments 5,516 6,477 9,792 14,436 13,482 15,448 16,840 18,150 23,230 22,274 28,875 29,576
7,353 11,587 17,148 24,548 34,934 46,069 63,116 70,358 76,954 83,386 86,427 108,324
Total Assets 12,962 18,197 27,104 39,161 48,675 61,851 80,359 88,978 100,651 106,209 115,876 138,432

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1,772 -922 -2,261 -4,384 3,434 -2,528 -31 -5,084 7,597 6,449 -11,044 4,935
-47 -59 -58 -60 -142 -162 -190 -206 -157 -246 -223 -172
1,920 1,485 3,076 4,040 -1,656 2,995 2,567 7,698 -4,207 -114 2,239 842
Net Cash Flow 101 503 757 -405 1,635 305 2,345 2,408 3,233 6,090 -9,028 5,605

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 7% 5% 10% 11% 12% 12% 12% 6% 4% -1% 7% 8%

Shareholding Pattern

Numbers in percentages

7 Recently
Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
30.59% 28.50% 29.59% 28.92% 24.66% 28.27% 30.00% 28.27% 25.14% 28.47% 14.63% 13.39%
19.05% 11.64% 13.83% 19.85% 19.77% 17.91% 19.12% 19.34% 20.12% 20.28% 26.61% 17.66%
0.36% 0.36% 0.36% 0.38% 0.42% 0.42% 0.41% 0.42% 0.42% 0.42% 0.42% 0.41%
50.00% 59.50% 56.22% 50.84% 55.14% 53.38% 50.45% 51.98% 54.32% 50.83% 58.35% 68.54%
No. of Shareholders 4,67,4155,37,1784,94,2914,16,5924,04,4383,79,5363,51,1193,44,8563,58,1103,64,3804,22,5444,77,124

* 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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