RBL Bank, 540065, RBLBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

15,199.54
12.73
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

22,293.22
0.60%
1.06

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

26.13
55.13
2.03

EBITDA CAGR (%)

10 Years
5 Years
3 Years

25.28
1.40
20.20

PAT CAGR (%)

10 Years
5 Years
3 Years

1.09
0.81

P:E (Median)

8 Years
5 Years
3 Years

18.38
13.82
11.99

P:BV (Average)

8 Years
5 Years
3 Years

1.80
1.09
0.81

EV:EBITDA (Average)

8 Years
5 Years
3 Years

12.48
7.00
5.31

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 3,191.38 2,497.76 27.77% 3,007.95 2,285.57 31.61% 2,679.85 2,089.34 28.26% 2,496.21 2,130.96 17.14%
Interest Exp. 1,645.52 1,220.49 34.82% 1,532.97 1,111.25 37.95% 1,433.68 1,061.61 35.05% 1,285.04 999.62 28.55%
Net Interest Income 1,545.86 1,277.27 21.03% 1,474.98 1,174.32 25.60% 1,246.17 1,027.73 21.25% 1,211.17 1,131.34 7.06%
NIM 5.52 4.74 16.46% 5.54 4.50 23.11% 4.84 4.40 10.00% 5.00 5.04 -0.79%
Other Income 777.57 618.43 25.73% 704.44 583.32 20.76% 685.41 613.57 11.71% 674.11 511.35 31.83%
Total Income 3,968.95 3,116.19 27.37% 3,712.39 2,868.89 29.40% 3,365.26 2,702.91 24.51% 3,170.32 2,642.31 19.98%
Operating Exp. 1,558.18 1,328.50 17.29% 1,448.44 1,245.29 16.31% 1,284.09 1,112.18 15.46% 1,291.50 985.27 31.08%
Operating Profit 765.25 567.20 34.92% 730.98 512.35 42.67% 647.49 529.12 22.37% 593.78 657.42 -9.68%
Provision 458.14 292.74 56.50% 640.35 241.50 165.16% 266.19 253.00 5.21% 234.70 400.67 -41.42%
PBT 307.11 274.46 11.90% 90.63 270.85 -66.54% 381.30 276.12 38.09% 359.08 256.75 39.86%
PBTM 9.62 10.99 -12.47% 3.01 11.85 -74.60% 14.23 13.22 7.64% 14.38 12.05 19.34%
TAX 74.02 65.49 13.02% -203.45 69.30 - 93.19 74.96 24.32% 88.03 58.92 49.41%
PAT 233.09 208.97 11.54% 294.08 201.55 45.91% 288.11 201.16 43.22% 271.05 197.83 37.01%
PATM 7.30% 8.37% 9.78% 8.82% 10.75% 9.63% 10.86% 9.28%
EPS 3.87 3.49 10.89% 4.89 3.36 45.54% 4.80 3.36 42.86% 4.52 3.30 36.97%
Gross NPA 2,551.05 2,468.68 3.34% 2,440.66 2,456.60 -0.65% 2,404.25 2,536.87 -5.23% 2,419.86 2,728.39 -11.31%
Gross NPA% 3.12 3.61 -13.57% 3.12 3.80 -17.89% 3.22 4.08 -21.08% 3.37 4.40 -23.41%
Net NPA 635.64 789.92 -19.53% 594.50 790.23 -24.77% 729.80 697.13 4.69% 772.54 806.56 -4.22%
Net NPA% 0.80 1.18 -32.20% 0.78 1.26 -38.10% 1.00 1.16 -13.79% 1.10 1.34 -17.91%
CASA 33.80 36.60 -7.65% 35.70 36.20 -1.38% 37.30 36.00 3.61% 37.40 35.30 5.95%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 3,191.46 2,497.01 27.81% 3,007.76 2,285.92 31.58% 2,815.79 2,202.55 27.84% 2,616.24 2,200.76 18.88%
Interest Exp. 1,644.90 1,220.55 34.77% 1,532.56 1,111.33 37.90% 1,433.50 1,061.68 35.02% 1,285.06 999.69 28.55%
Net Interest Income 1,546.56 1,276.46 21.16% 1,475.20 1,174.59 25.59% 1,382.29 1,140.87 21.16% 1,331.18 1,201.07 10.83%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 777.36 624.33 24.51% 712.81 584.89 21.87% 693.97 613.97 13.03% 683.73 512.89 33.31%
Total Income 3,968.82 3,121.34 27.15% 3,720.57 2,870.81 29.60% 3,509.76 2,816.52 24.61% 3,299.97 2,713.65 21.61%
Operating Exp. 1,546.22 1,317.76 17.34% 1,422.64 1,261.17 12.80% 1,391.84 1,218.22 14.25% 1,389.78 1,089.60 27.55%
Operating Profit 777.70 583.03 33.39% 765.37 498.31 53.59% 684.42 536.62 27.54% 625.13 624.36 0.12%
Provision 458.14 292.74 56.50% 640.35 241.50 165.16% 266.19 253.00 5.21% 234.70 400.66 -41.42%
PBT 319.56 290.29 10.08% 125.02 256.81 -51.32% 418.23 283.62 47.46% 390.43 223.70 74.53%
PBTM 10.01 11.63 -13.93% 4.16 11.23 -62.96% 14.85 12.88 15.30% 14.92 10.16 46.85%
TAX 74.67 65.49 14.02% -206.06 69.30 - 98.74 74.96 31.72% 91.86 58.93 55.88%
PAT 244.89 224.80 8.94% 331.08 187.51 76.57% 319.49 208.66 53.12% 298.57 164.77 81.20%
PATM 7.67% 9.00% 11.01% 8.20% 11.35% 9.47% 11.41% 7.49%
EPS 4.05 3.72 8.87% 5.47 3.10 76.45% 5.28 3.45 53.04% 4.93 2.72 81.25%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 5,478.18 4,451.46 4,026.74 3,787.57 3,629.64 2,539.48 1,766.29 1,221.34 819.21 556.37 341.63 Interest Earned 11,375.39 9,129.85 8,175.79 8,329.02 8,514.38 6,300.71 4,507.57 3,713.16 2,744.31 1,953.09 1,351.62 Interest Expended 5,897.21 4,678.39 4,149.05 4,541.45 4,884.74 3,761.23 2,741.28 2,491.82 1,925.10 1,396.72 1,009.99 Int. income Growth 18.82% 10.55% 6.31% 4.35% 42.93% 43.77% 44.62% 49.09% 47.24% 62.86% Other Income 2,841.53 2,489.43 2,340.53 1,884.04 1,910.25 1,442.37 1,068.19 755.46 490.54 403.41 260.97 Total Income 14,216.92 6,940.89 6,367.27 5,671.61 5,539.89 3,981.85 2,834.48 1,976.80 1,309.75 959.78 602.60 Total Expenditure 5,582.21 5,563.98 6,318.36 4,824.25 4,648.80 2,560.78 1,780.97 1,233.82 833.39 626.62 449.14 Employee Cost - 1,340.34 1,001.54 845.35 768.43 636.18 550.68 446.14 369.92 300.87 184.93 % Of Sales - 14.68% 12.25% 10.15% 9.03% 10.10% 12.22% 12.02% 13.48% 15.40% 13.68% Opt. & Establishment Exp. - 3,594.51 2,784.40 2,067.52 2,195.43 1,527.74 1,039.69 671.76 445.78 331.99 259.92 % Of Sales - 39.37% 34.06% 24.82% 25.78% 24.25% 23.07% 18.09% 16.24% 17.00% 19.23% Provisions - 1,021.95 2,860.40 2,227.94 1,961.54 640.68 364.52 238.92 114.41 60.18 46.17 % Of Sales - 11.19% 34.99% 26.75% 23.04% 10.17% 8.09% 6.43% 4.17% 3.08% 3.42% EBITDA 2,737.50 1,376.91 48.91 847.36 891.09 1,421.07 1,053.51 742.98 476.36 333.16 153.46 EBITDA Margin 50.93% 30.93% 1.21% 22.37% 24.55% 55.96% 59.65% 60.83% 58.15% 59.88% 44.92% Depreciation 0.00 196.41 163.99 158.28 138.30 121.91 86.96 61.50 48.36 33.21 20.94 PBT 1,138.12 1,180.50 -115.09 689.08 752.78 1,299.15 966.55 681.49 428.00 299.94 132.52 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 51.79 297.78 -40.35 181.30 247.11 432.20 331.46 235.44 135.52 92.77 39.85 Tax Rate 4.55% 25.22% 35.06% 26.31% 32.83% 33.27% 34.29% 34.55% 31.66% 30.93% 30.07% PAT 1,086.33 882.72 -74.74 507.78 505.67 866.95 635.09 446.05 292.48 207.17 92.67 PAT before Minority Interest 1,086.33 882.72 -74.74 507.78 505.67 866.95 635.09 446.05 292.48 207.17 92.67 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 13.06% 12.72% -1.17% 8.95% 9.13% 21.77% 22.41% 22.56% 22.33% 21.59% 15.38% PAT Growth 34.20% 0 -114.72% 0.42% -41.67% 36.51% 42.38% 52.51% 41.18% 123.56% EPS 17.95 14.59 -1.24 8.39 8.36 14.33 10.50 7.37 4.83 3.42 1.53

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 5,735.23 4,870.94 4,296.62 4,136.42 3,893.91 2,541.44 1,820.58 1,221.34 Interest Earned 11,631.25 9,549.56 8,444.86 8,675.88 8,778.65 6,302.09 4,561.48 3,713.16 Interest Expended 5,896.02 4,678.62 4,148.24 4,539.46 4,884.74 3,760.65 2,740.90 2,491.82 Int. income Growth 19.66% 13.37% 3.87% 6.23% 53.22% 39.60% 49.06% Other Income 2,867.87 2,506.93 2,351.51 1,874.67 1,918.04 1,440.98 1,068.81 755.46 Total Income 14,499.12 7,377.87 6,648.13 6,011.09 5,811.95 3,982.42 2,889.39 1,976.80 Total Expenditure 5,750.48 5,943.64 6,674.48 5,129.45 4,918.73 2,558.77 1,826.83 1,233.82 Employee Cost - 1,653.47 1,332.35 1,122.24 967.50 752.31 581.82 446.14 % Of Sales - 17.31% 15.78% 12.94% 11.02% 11.94% 12.76% 12.02% Opt. & Establishment Exp. - 3,694.40 2,842.05 2,118.49 2,281.43 1,417.40 1,055.01 671.76 % Of Sales - 38.69% 33.65% 24.42% 25.99% 22.49% 23.13% 18.09% Provisions - 1,021.95 2,860.40 2,227.94 1,961.54 640.68 367.48 238.92 % Of Sales - 10.70% 33.87% 25.68% 22.34% 10.17% 8.06% 6.43% EBITDA 2,852.62 1,434.23 -26.35 881.64 893.22 1,423.65 1,062.56 742.98 EBITDA Margin 50.56% 29.44% -0.61% 21.31% 22.94% 56.02% 58.36% 60.83% Depreciation 0.00 213.09 180.16 169.61 145.87 125.81 88.74 61.50 PBT 1,253.24 1,221.14 -206.51 712.03 747.35 1,297.83 973.83 681.49 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 59.21 301.60 -40.36 182.56 247.17 436.47 334.63 235.44 Tax Rate 4.72% 24.70% 19.54% 25.64% 33.07% 33.63% 34.36% 34.55% PAT 1,194.03 919.54 -166.15 529.47 500.18 857.83 637.58 446.05 PAT before Minority Interest 1,194.03 919.54 -166.15 529.47 500.18 861.36 639.20 446.05 Minority Interest 0.00 0.00 0.00 0.00 0.00 -3.53 -1.62 0.00 PAT Margin 13.88% 12.46% -2.50% 8.81% 8.61% 21.54% 22.07% 22.56% PAT Growth 51.96% 0 -131.38% 5.86% -41.69% 34.54% 42.94% EPS 19.73 15.20 -2.75 8.75 8.27 14.18 10.54 7.37

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 13,576.59 12,618.25 12,662.58 10,582.95 7,547.32 6,683.97 4,335.58 2,989.23 2,230.43 2,014.76 Share Capital 599.57 599.51 598.02 508.70 426.71 419.67 375.20 324.73 293.45 272.04 Total Reserves 12,902.03 12,008.18 12,063.93 10,073.84 7,120.50 6,264.30 3,960.37 2,664.50 1,936.98 1,613.22 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 84,886.52 79,006.53 73,121.27 57,812.22 58,394.42 43,902.26 34,588.09 24,348.65 17,099.25 11,598.60 Borrowings 13,331.28 11,093.04 11,225.89 17,006.73 11,832.07 9,261.44 7,979.76 10,536.22 6,962.70 3,895.54 Other Liabilities & Provisions 4,081.80 3,490.76 3,640.87 3,575.87 2,585.02 2,003.08 1,771.35 1,286.98 812.30 689.23 Total Liabilities 115,876.19 106,208.58 100,650.61 88,977.77 80,358.83 61,850.75 48,674.78 39,161.08 27,104.68 18,198.13 Net Block 528.68 466.56 442.36 407.67 362.54 302.71 224.16 158.24 154.35 111.25 Gross Block 1,459.09 1,254.45 1,091.26 922.15 748.44 588.93 425.75 302.05 252.39 177.98 Accumulated Depreciation 930.41 787.89 648.91 514.48 385.90 286.21 201.58 143.80 98.04 66.73 Total Non-Current Assets 108,178.81 100,391.97 95,743.62 85,495.73 78,153.19 60,333.78 47,383.11 38,292.33 26,610.29 17,679.69 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 45.30 81.55 24.12 62.09 39.94 31.29 34.55 19.05 10.09 23.10 Cash and balance with RBI 6,238.06 13,111.08 6,704.70 6,415.08 4,839.52 2,589.33 2,947.93 1,339.75 1,455.68 980.73 Balance with banks and money at call 2,281.97 4,436.62 6,719.51 2,442.10 1,762.59 1,695.11 1,245.72 1,110.18 714.66 211.52 Investments 28,875.45 22,274.35 23,230.42 18,149.74 16,840.36 15,447.50 13,481.71 14,436.03 9,825.68 6,518.04 Advances 70,209.35 60,021.81 58,622.51 58,019.05 54,308.24 40,267.84 29,449.04 21,229.08 14,449.83 9,835.05 Other Assets 7,697.38 5,816.62 4,907.00 3,482.04 2,205.62 1,516.97 1,291.67 868.75 494.39 518.45 Total Assets 115,876.19 106,208.59 100,650.62 88,977.77 80,358.81 61,850.75 48,674.78 39,161.08 27,104.68 18,198.14 Contingent Liabilities 70,104.39 65,299.31 59,088.26 73,653.79 61,302.59 51,395.93 41,904.46 29,718.22 21,970.21 12,273.87 Bills for collection 33.00 3,224.45 2,760.72 2,387.38 2,308.94 1,418.19 822.71 772.32 513.51 1.40 Adjusted Book Value 225.18 210.29 211.72 208.01 176.85 159.25 115.53 92.02 75.97 69.26

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 13,525.66 12,530.50 12,666.24 10,564.93 7,534.79 6,680.56 4,336.34 Share Capital 599.57 599.51 598.02 508.70 426.71 419.67 375.20 Total Reserves 12,851.11 11,920.43 12,067.59 10,055.82 7,107.97 6,260.89 3,961.13 Minority Interest 0.00 0.00 0.00 0.00 0.00 18.82 0.00 Deposits 84,874.74 79,006.36 73,054.62 57,812.01 58,357.63 43,883.10 34,588.09 Borrowings 13,331.74 11,097.76 11,226.14 17,006.91 11,832.07 9,261.44 7,979.76 Other Liabilities & Provisions 4,073.57 3,528.02 3,671.77 3,599.61 2,673.30 2,033.36 1,771.35 Total Liabilities 115,805.71 106,162.64 100,618.77 88,983.46 80,397.79 61,877.28 48,675.54 Net Block 553.20 496.87 470.75 430.00 375.57 308.35 224.16 Gross Block 1,532.91 1,328.31 1,149.51 963.35 773.02 602.21 425.75 Accumulated Depreciation 979.71 831.44 678.76 533.35 397.45 293.86 201.58 Total Non-Current Assets 108,042.39 100,269.42 95,645.76 85,411.11 78,117.64 60,314.67 47,383.87 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 45.30 81.55 24.45 62.42 39.94 31.29 34.55 Cash and balance with RBI 6,238.06 13,111.08 6,704.74 6,415.67 4,840.05 2,589.46 2,947.93 Balance with banks and money at call 2,289.13 4,446.19 6,738.08 2,442.90 1,808.67 1,720.69 1,245.72 Investments 28,730.26 22,129.16 23,085.23 18,054.55 16,745.17 15,397.04 13,482.47 Advances 70,186.44 60,004.57 58,622.51 58,005.57 54,308.24 40,267.84 29,449.04 Other Assets 7,763.34 5,893.22 4,973.01 3,572.35 2,280.15 1,562.59 1,291.67 Total Assets 115,805.73 106,162.64 100,618.77 88,983.46 80,397.79 61,877.26 48,675.54 Contingent Liabilities 70,111.52 65,305.61 59,091.20 73,657.97 61,302.59 51,395.93 41,904.46 Bills for collection 3,300.32 3,224.45 2,760.72 2,387.38 2,308.94 1,418.19 822.71 Adjusted Book Value 224.33 208.83 211.78 207.66 176.55 159.16 115.55

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity -11,044.09 6,449.46 7,596.90 -5,084.09 -30.89 -2,527.81 3,433.65 -4,384.20 -2,260.51 236.16 PBT 1,180.51 -115.08 689.08 752.78 1,299.15 966.55 681.49 428.01 299.94 132.52 Adjustment 1,634.37 3,383.25 2,559.54 2,144.09 762.99 451.61 299.66 161.95 88.42 65.42 Adjustments for Liabilities & Assets -13,621.26 3,335.40 4,676.57 -7,666.46 -1,509.03 -3,570.83 2,673.50 -4,823.16 -2,549.88 78.07 Refund/(Payment) of direct taxes -237.71 -154.11 -328.29 -314.50 -584.00 -375.14 -221.00 -151.00 -99.00 -39.85 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -222.56 -245.97 -156.78 -205.57 -190.41 -162.19 -142.18 -60.43 -58.36 -59.36 Net Fixed Assets -168.39 -220.62 -131.14 -195.86 -168.16 -159.92 -139.20 -58.62 -61.40 -60.00 Other Investment Activity -1750.36 -1492.78 -1320.95 -1174.65 -950.57 -762.40 -520.73 -379.46 -321.84 -248.12 Cash from Financing Activity 2,238.94 -113.77 -4,206.74 7,697.67 2,566.64 2,994.79 -1,656.14 4,039.88 3,075.68 326.37 Closing Cash & Equivalent 8,519.99 17,547.69 11,457.97 8,224.59 5,816.58 3,471.24 3,166.44 1,531.11 1,935.87 1,179.07 Net Cash Inflow / Outflow -9,027.70 6,089.72 3,233.38 2,408.01 2,345.34 304.80 1,635.33 -404.75 756.80 503.17 Opening Cash & Equivalents 17,547.69 11,457.97 8,224.59 5,816.58 3,471.24 3,166.44 1,531.11 1,935.87 1,179.07 675.89

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity -11,031.25 6,448.91 7,631.44 -5,172.56 78.24 -2,556.01 3,433.65 PBT 1,221.15 -206.50 712.03 747.35 1,297.84 973.82 681.49 Adjustment 1,651.16 3,399.71 2,570.88 2,151.69 762.63 457.06 1,061.20 Adjustments for Liabilities & Assets -13,670.57 3,419.58 4,703.98 -7,742.68 -1,381.23 -3,611.75 1,911.96 Refund/(Payment) of direct taxes -232.99 -163.88 -355.44 -328.91 -601.00 -375.14 -221.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -233.55 -264.03 -174.18 -222.79 -201.71 -165.19 -142.18 Net Fixed Assets -168.39 -220.62 -131.14 -195.86 -168.16 -159.92 Other Investment Activity -1768.42 -1510.18 -1338.17 -1185.95 -953.57 -762.40 Cash from Financing Activity 2,234.69 -109.30 -4,206.67 7,697.85 2,566.64 2,994.03 -1,656.14 Closing Cash & Equivalent 8,522.05 17,552.15 11,476.57 8,225.98 5,923.48 3,480.31 3,166.44 Net Cash Inflow / Outflow -9,030.11 6,075.58 3,250.60 2,302.50 2,443.18 272.84 1,635.33 Opening Cash & Equivalents 17,552.15 11,476.57 8,225.98 5,923.48 3,480.31 3,207.47 1,531.11

Financial Ratios

Standalone /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 225.18 210.29 211.72 208.01 176.85 159.25 115.53 92.02 75.97 69.26 NIM 4.14 4.03 3.98 4.27 3.27 2.94 2.59 2.15 2.10 1.95 Yield on Advances 13.00 13.62 14.21 14.68 11.60 11.19 12.61 12.93 13.52 13.74 Yield on Investments 6.05 7.14 7.10 8.44 6.96 7.54 8.16 5.58 5.86 7.00 Cost of Liabilities 4.76 4.60 5.38 6.53 5.36 5.16 5.85 5.52 5.80 6.52 Interest Spread 8.24 9.02 8.82 8.15 6.25 6.04 6.75 7.41 7.71 7.22 ROCE 7.32% 2.08% 6.21% 6.94% 10.28% 9.67% 9.38% 7.45% 8.08% 7.24% Cost Income Ratio 68.27 56.88 48.57 51.00 51.28 53.04 53.44 58.59 62.48 70.35 Core Cost Income Ratio 69.56 59.20 51.02 52.52 52.31 56.35 56.86 61.39 66.48 75.64 Operating Costs to Assets 4.09 3.41 2.74 3.18 2.54 2.43 2.17 1.96 2.21 2.33 Loans/Deposits 0.16 0.14 0.15 0.29 0.20 0.21 0.23 0.43 0.41 0.34 Cash/Deposits 0.07 0.17 0.09 0.11 0.08 0.06 0.09 0.06 0.09 0.08 Investment/Deposits 0.34 0.28 0.32 0.31 0.29 0.35 0.39 0.59 0.57 0.56 Inc Loan/Deposits 15.70% 14.04% 15.35% 29.42% 20.26% 21.10% 23.07% 43.27% 40.72% 33.59% Credit Deposits 82.71% 75.97% 80.17% 100.36% 93.00% 91.72% 85.14% 87.19% 84.51% 84.80% Interest Expended / Interest earned 51.24% 50.75% 54.53% 57.37% 59.70% 60.82% 67.11% 70.15% 71.51% 74.72% Interest income / Total funds 7.88% 7.70% 8.28% 9.57% 7.84% 7.29% 7.63% 7.01% 7.21% 7.43% Interest Expended / Total funds 4.04% 3.91% 4.51% 5.49% 4.68% 4.43% 5.12% 4.92% 5.15% 5.55% CASA 37.36% 35.29% 31.82% 29.61% 24.98% 24.32% 21.98% 18.64% 18.46% 20.43%

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 224.33 208.83 211.78 207.66 176.55 159.16 115.55 NIM 4.53 4.31 4.35 4.59 3.27 3.04 2.59 Yield on Advances 13.61 14.07 14.80 15.13 11.60 11.33 12.61 Yield on Investments 6.08 7.19 7.15 8.49 7.00 7.56 8.16 Cost of Liabilities 4.76 4.60 5.39 6.53 5.36 5.16 5.85 Interest Spread 8.84 9.47 9.41 8.61 6.25 6.17 6.75 ROCE 7.50% 1.70% 6.30% 6.92% 10.28% 9.73% 9.84% Cost Income Ratio 69.60 60.08 51.09 53.39 51.32 53.58 53.44 Core Cost Income Ratio 70.84 62.42 53.51 54.90 52.35 56.86 56.86 Operating Costs to Assets 4.43 3.76 3.05 3.49 2.54 2.50 2.17 Loans/Deposits 0.16 0.14 0.15 0.29 0.20 0.21 0.23 Cash/Deposits 0.07 0.17 0.09 0.11 0.08 0.06 0.09 Investment/Deposits 0.34 0.28 0.32 0.31 0.29 0.35 0.39 Inc Loan/Deposits 15.71% 14.05% 15.37% 29.42% 20.28% 21.10% 23.07% Credit Deposits 82.69% 75.95% 80.24% 100.33% 93.06% 91.76% 85.14% Interest Expended / Interest earned 48.99% 49.12% 52.32% 55.64% 59.67% 60.09% 67.11% Interest income / Total funds 8.25% 7.95% 8.62% 9.87% 7.84% 7.37% 7.63% Interest Expended / Total funds 4.04% 3.91% 4.51% 5.49% 4.68% 4.43% 5.12% CASA 37.35% 35.29% 31.81% 29.61% 24.93% 24.32% 21.98%

Top Investors:

maple ii b.v.

quant mutual fund - quant small cap fund

british international investment plc

mahindra & mahindra limited

mathew cyriac

nippon life india trustee ltd-a/c nippon india small cap fund

asia capital financial opportunities pte ltd

aditya birla sun life trustee private limited a/c aditya birla sun life pure value fund

gaja capital fund ii limited

icici prudential life insurance company limited

Annual Reports:

News Update:

Citigroup Global Markets acquires stake in RBL Bank
10th Apr 2024, 12:15 PM

The company has acquired 66.97 lakh shares
Read More
RBL Bank reports 19% growth in gross advances in Q4FY24
4th Apr 2024, 10:30 AM

CASA stood at Rs 36,448 crore (provisional) as of March 31, 2024, posting a 15% rise in year-on-year terms against Rs 31,717 crore as of March 31, 2023
Read More
RBL Bank reports 9% rise in Q3 consolidated net profit
20th Jan 2024, 12:12 PM

Consolidated total income of the bank increased by 27.15% at Rs 3,968.82 crore for Q3FY24
Read More
RBL Bank - Quarterly Results
19th Jan 2024, 15:29 PM

Read More

RBL Bank Ltd.

Bank - Private

BSE: 540065 | NSE: RBLBANK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

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Annual Results

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Top Investors:

Annual Reports:

News Update:

RBL Bank Ltd.

Bank - Private

BSE: 540065 | NSE: RBLBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update: