RBL Bank Ltd

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

RBL Bank Ltd

₹ 176 -0.68%
28 Mar 12:36 p.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 ₹ 10,690 Cr.
  • Current Price ₹ 176
  • High / Low ₹ 272 / 146
  • Stock P/E 10.8
  • Book Value ₹ 255
  • Dividend Yield 0.85 %
  • ROCE 6.30 %
  • ROE 8.88 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.69 times its book value

Cons

  • Company has low interest coverage ratio.
  • Tax rate seems low
  • Company has a low return on equity of 5.06% over last 3 years.
  • Contingent liabilities of Rs.97,213 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.3,653 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 Nifty Smallcap 100 Nifty 500 Multicap 50:25:25 BSE Financial Services BSE 250 SmallCap Index Nifty Smallcap 50

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 2,107 2,201 2,203 2,286 2,497 2,643 2,855 3,008 3,191 3,339 3,497 3,531 3,537
Interest 1,034 1,000 1,062 1,111 1,221 1,285 1,434 1,533 1,645 1,739 1,796 1,916 1,951
1,484 1,490 1,471 1,503 1,610 1,651 1,698 2,063 2,004 1,990 2,000 2,239 2,837
Financing Profit -411 -289 -330 -328 -334 -293 -276 -588 -458 -390 -300 -624 -1,251
Financing Margin % -20% -13% -15% -14% -13% -11% -10% -20% -14% -12% -9% -18% -35%
584 513 614 585 624 684 694 713 777 876 775 928 1,074
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 172 224 284 257 290 390 418 125 320 486 475 304 -177
Tax % 29% 26% 26% 27% 23% 24% 24% -165% 23% 25% 26% 24% -127%
122 165 209 188 225 299 319 331 245 364 351 232 47
EPS in Rs 2.03 2.75 3.48 3.13 3.75 4.98 5.33 5.51 4.06 6.02 5.79 3.81 0.78
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 TTM
Revenue 3,713 4,561 6,302 8,779 8,676 8,445 9,677 12,394 13,904
Interest 2,492 2,741 3,761 4,885 4,539 4,148 4,679 6,350 7,403
1,234 1,827 2,559 4,919 5,129 6,674 6,071 7,520 9,066
Financing Profit -12 -6 -17 -1,025 -993 -2,378 -1,073 -1,477 -2,565
Financing Margin % -0% -0% -0% -12% -11% -28% -11% -12% -18%
755 1,069 1,441 1,918 1,875 2,352 2,507 3,060 3,653
Depreciation 62 89 126 146 170 180 213 235 0
Profit before tax 681 974 1,298 747 712 -206 1,221 1,349 1,088
Tax % 35% 34% 34% 33% 26% -20% 25% 7%
447 633 861 500 529 -166 920 1,260 994
EPS in Rs 11.91 15.05 20.10 9.83 8.85 -2.77 15.34 20.82 16.40
Dividend Payout % 15% 14% 13% 15% 0% 0% 10% 7%
Compounded Sales Growth
10 Years: %
5 Years: 14%
3 Years: 13%
TTM: 19%
Compounded Profit Growth
10 Years: %
5 Years: 8%
3 Years: 33%
TTM: -17%
Stock Price CAGR
10 Years: %
5 Years: 2%
3 Years: 11%
1 Year: -26%
Return on Equity
10 Years: %
5 Years: 5%
3 Years: 5%
Last Year: 9%

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 Sep 2024
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 14,888
Deposits 34,588 43,883 58,358 57,812 73,055 79,006 84,875 103,470 107,952
Borrowing 7,980 9,261 11,832 17,007 11,226 11,098 13,332 14,185 14,680
1,771 2,052 2,673 3,600 3,672 3,528 4,074 5,961 5,776
Total Liabilities 48,676 61,877 80,398 88,983 100,619 106,163 115,806 138,454 143,904
224 327 416 471 511 538 594 591 571
CWIP 35 31 40 62 24 82 45 7 0
Investments 13,482 15,397 16,745 18,055 23,085 22,129 28,730 29,478 30,271
34,934 46,122 63,196 70,396 76,998 83,414 86,436 108,378 113,061
Total Assets 48,676 61,877 80,398 88,983 100,619 106,163 115,806 138,454 143,904

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
3,434 -2,556 78 -5,173 7,631 6,449 -11,031 4,955
-142 -165 -202 -223 -174 -264 -234 -193
-1,656 2,994 2,567 7,698 -4,207 -109 2,235 843
Net Cash Flow 1,635 273 2,443 2,302 3,251 6,076 -9,030 5,604

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls