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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

56,166.20
62.47
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

58,936.42
0.28%
1.31

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

47.93
21.53
19.11

EBITDA CAGR (%)

10 Years
5 Years
3 Years

9.05
6.25
-7.96

PAT CAGR (%)

10 Years
5 Years
3 Years

0.88
1.00

P:E (Median)

8 Years
5 Years
3 Years

15.49
12.23
13.61

P:BV (Average)

8 Years
5 Years
3 Years

1.29
0.88
1.00

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.15
5.47
6.48

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 3,840.25 3,441.09 11.60% 3,720.25 3,475.57 7.04% 3,666.74 3,536.33 3.69% 3,507.47 3,530.93 -0.66%
Interest Exp. 2,185.80 1,960.43 11.50% 2,049.29 1,912.55 7.15% 2,009.50 1,951.27 2.98% 1,956.79 1,915.96 2.13%
Net Interest Income 1,654.45 1,480.66 11.74% 1,670.96 1,563.02 6.91% 1,657.24 1,585.06 4.55% 1,550.68 1,614.97 -3.98%
NIM 4.13 4.50 -8.22% 4.41 4.89 -9.82% 4.63 4.90 -5.51% 4.51 5.04 -10.52%
Other Income 959.43 1,069.48 -10.29% 1,068.96 1,000.03 6.89% 1,050.26 1,073.33 -2.15% 932.70 927.36 0.58%
Total Income 4,799.68 4,510.57 6.41% 4,789.21 4,475.60 7.01% 4,717.00 4,609.66 2.33% 4,440.17 4,458.29 -0.41%
Operating Exp. 1,691.09 1,847.19 -8.45% 1,784.54 1,701.86 4.86% 1,795.07 1,661.76 8.02% 1,754.99 1,632.44 7.51%
Operating Profit 922.79 702.95 31.27% 955.38 861.19 10.94% 912.43 996.63 -8.45% 728.39 909.89 -19.95%
Provision 599.28 442.32 35.49% 678.32 785.14 -13.61% 639.27 1,188.90 -46.23% 499.70 618.33 -19.19%
PBT 323.51 260.63 24.13% 277.06 76.05 264.31% 273.16 -192.27 - 228.69 291.56 -21.56%
PBTM 8.42 7.57 11.23% 7.45 2.19 240.18% 7.45 -5.44 - 6.52 8.26 -21.07%
TAX 69.81 60.30 15.77% 47.35 7.35 544.22% 59.28 -224.90 - 50.17 69.04 -27.33%
PAT 253.70 200.33 26.64% 229.71 68.70 234.37% 213.88 32.63 555.47% 178.52 222.52 -19.77%
PATM 6.61% 5.82% 6.17% 1.98% 5.83% 0.92% 5.09% 6.30%
EPS 1.64 3.29 -50.15% 3.72 1.13 229.20% 3.47 0.54 542.59% 2.91 3.66 -20.49%
Gross NPA 1,521.59 2,685.86 -43.35% 1,674.95 2,465.47 -32.06% 1,961.46 2,701.00 -27.38% 2,377.56 2,581.08 -7.89%
Gross NPA% 1.30 2.78 -53.24% 1.45 2.60 -44.23% 1.88 2.92 -35.62% 2.32 2.88 -19.44%
Net NPA 426.10 428.82 -0.63% 442.73 270.79 63.50% 566.99 481.64 17.72% 572.41 697.51 -17.94%
Net NPA% 0.37 0.45 -17.78% 0.39 0.29 34.48% 0.55 0.53 3.77% 0.57 0.79 -27.85%
CASA 29.20 32.50 -10.15% 33.60 34.10 -1.47% 30.90 32.80 -5.79% 31.90 33.60 -5.06%

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 3,840.24 3,441.18 11.60% 3,720.87 3,476.60 7.03% 3,666.78 3,536.55 3.68% 3,507.92 3,531.02 -0.65%
Interest Exp. 2,184.99 1,960.43 11.45% 2,048.80 1,912.59 7.12% 2,009.07 1,951.31 2.96% 1,956.36 1,916.00 2.11%
Net Interest Income 1,655.25 1,480.75 11.78% 1,672.07 1,564.01 6.91% 1,657.71 1,585.24 4.57% 1,551.56 1,615.02 -3.93%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 922.04 1,071.39 -13.94% 1,070.49 1,001.31 6.91% 1,051.63 1,073.92 -2.08% 933.67 928.03 0.61%
Total Income 4,762.28 4,512.57 5.53% 4,791.36 4,477.91 7.00% 4,718.41 4,610.47 2.34% 4,441.59 4,459.05 -0.39%
Operating Exp. 1,668.30 1,832.35 -8.95% 1,770.11 1,686.85 4.94% 1,780.84 1,647.71 8.08% 1,740.36 1,620.22 7.42%
Operating Profit 908.99 719.79 26.29% 972.45 878.47 10.70% 928.50 1,011.45 -8.20% 744.87 922.83 -19.28%
Provision 599.28 442.32 35.49% 678.32 785.14 -13.61% 639.27 1,188.90 -46.23% 499.70 618.34 -19.19%
PBT 309.71 277.47 11.62% 294.13 93.33 215.15% 289.23 -177.45 - 245.17 304.49 -19.48%
PBTM 8.06 8.06 0.00% 7.90 2.68 194.78% 7.89 -5.02 - 6.99 8.62 -18.91%
TAX 75.48 63.25 19.34% 49.71 6.34 684.07% 61.28 -224.77 - 52.71 72.79 -27.59%
PAT 234.23 214.22 9.34% 244.42 86.99 180.97% 227.95 47.32 381.72% 192.46 231.70 -16.94%
PATM 6.10% 6.23% 6.57% 2.50% 6.22% 1.34% 5.49% 6.56%
EPS 1.51 1.38 9.42% 1.58 0.56 182.14% 1.47 0.31 374.19% 1.24 1.50 -17.33%
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

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 6,533.33 6,463.02 6,042.89 4,998.18 4,026.74 3,787.57 3,629.64 2,539.48 1,766.29 1,221.34 819.21 Interest Earned 14,734.71 14,039.07 12,394.30 9,676.57 8,175.79 8,329.02 8,514.38 6,300.71 4,507.57 3,713.16 2,744.31 Interest Expended 8,201.38 7,576.05 6,351.41 4,678.39 4,149.05 4,541.45 4,884.74 3,761.23 2,741.28 2,491.82 1,925.10 Int. income Growth 4.64% 6.95% 20.90% 24.12% 6.31% 4.35% 42.93% 43.77% 44.62% 49.09% Other Income 4,011.35 3,806.18 3,042.89 2,489.43 2,340.53 1,884.04 1,910.25 1,442.37 1,068.19 755.46 490.54 Total Income 18,746.06 10,269.20 9,085.78 7,487.61 6,367.27 5,671.61 5,539.89 3,981.85 2,834.48 1,976.80 1,309.75 Total Expenditure 7,025.69 9,382.39 7,618.92 6,110.71 6,318.36 4,824.25 4,648.80 2,560.78 1,780.97 1,233.82 833.39 Employee Cost - 1,734.44 1,492.23 1,340.34 1,001.54 845.35 768.43 636.18 550.68 446.14 369.92 % Of Sales - 12.35% 12.04% 13.85% 12.25% 10.15% 9.03% 10.10% 12.22% 12.02% 13.48% Opt. & Establishment Exp. - 5,126.65 4,777.38 4,141.24 2,784.40 2,067.52 2,195.43 1,527.74 1,039.69 671.76 445.78 % Of Sales - 36.52% 38.54% 42.80% 34.06% 24.82% 25.78% 24.25% 23.07% 18.09% 16.24% Provisions - 2,958.66 1,778.47 1,021.95 2,860.40 2,227.94 1,961.54 640.68 364.52 238.92 114.41 % Of Sales - 21.07% 14.35% 10.56% 34.99% 26.75% 23.04% 10.17% 8.09% 6.43% 4.17% EBITDA 3,518.99 886.81 1,466.86 1,376.90 48.91 847.36 891.09 1,421.07 1,053.51 742.98 476.36 EBITDA Margin 52.32% 13.72% 24.27% 27.55% 1.21% 22.37% 24.55% 55.96% 59.65% 60.83% 58.15% Depreciation 0.00 218.68 214.58 196.41 163.99 158.28 138.30 121.91 86.96 61.50 48.36 PBT 1,102.42 668.13 1,252.28 1,180.50 -115.09 689.08 752.78 1,299.15 966.55 681.49 428.00 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 226.61 -27.24 84.36 297.78 -40.35 181.30 247.11 432.20 331.46 235.44 135.52 Tax Rate 20.56% -4.08% 6.74% 25.22% 35.06% 26.31% 32.83% 33.27% 34.29% 34.55% 31.66% PAT 875.81 695.37 1,167.92 882.72 -74.74 507.78 505.67 866.95 635.09 446.05 292.48 PAT before Minority Interest 875.81 695.37 1,167.92 882.72 -74.74 507.78 505.67 866.95 635.09 446.05 292.48 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 8.31% 6.77% 12.85% 11.79% -1.17% 8.95% 9.13% 21.77% 22.41% 22.56% 22.33% PAT Growth 67.08% -40.46% 32.31% 0 -114.72% 0.42% -41.67% 36.51% 42.38% 52.51% EPS 5.66 4.49 7.54 5.70 -0.48 3.28 3.27 5.60 4.10 2.88 1.89

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 6,536.59 6,464.92 6,043.75 4,997.99 4,296.62 4,136.42 3,893.91 2,541.44 1,820.58 1,221.34 Interest Earned 14,735.81 14,041.11 12,393.80 9,676.61 8,444.86 8,675.88 8,778.65 6,302.09 4,561.48 3,713.16 Interest Expended 8,199.22 7,576.19 6,350.05 4,678.62 4,148.24 4,539.46 4,884.74 3,760.65 2,740.90 2,491.82 Int. income Growth 4.67% 6.97% 20.92% 16.32% 3.87% 6.23% 53.22% 39.60% 49.06% Other Income 3,977.83 3,778.38 3,059.95 2,506.93 2,351.51 1,874.67 1,918.04 1,440.98 1,068.81 755.46 Total Income 18,713.64 10,243.30 9,103.70 7,504.92 6,648.13 6,011.09 5,811.95 3,982.42 2,889.39 1,976.80 Total Expenditure 6,959.61 9,311.66 7,520.47 6,070.68 6,674.48 5,129.45 4,918.73 2,558.77 1,826.83 1,233.82 Employee Cost - 2,181.50 1,855.92 1,653.47 1,332.35 1,122.24 967.50 752.31 581.82 446.14 % Of Sales - 15.54% 14.97% 17.09% 15.78% 12.94% 11.02% 11.94% 12.76% 12.02% Opt. & Establishment Exp. - 4,643.17 4,355.12 3,821.44 2,842.05 2,118.49 2,281.43 1,417.40 1,055.01 671.76 % Of Sales - 33.07% 35.14% 39.49% 33.65% 24.42% 25.99% 22.49% 23.13% 18.09% Provisions - 2,958.67 1,778.47 1,021.95 2,860.40 2,227.94 1,961.54 640.68 367.48 238.92 % Of Sales - 21.07% 14.35% 10.56% 33.87% 25.68% 22.34% 10.17% 8.06% 6.43% EBITDA 3,554.81 931.64 1,583.23 1,434.24 -26.35 881.64 893.22 1,423.65 1,062.56 742.98 EBITDA Margin 52.77% 14.41% 26.20% 28.70% -0.61% 21.31% 22.94% 56.02% 58.36% 60.83% Depreciation 0.00 235.84 234.52 213.09 180.16 169.61 145.87 125.81 88.74 61.50 PBT 1,138.24 695.80 1,348.71 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 0.00 0.00 Provision for Tax 239.18 -21.27 88.82 301.60 -40.36 182.56 247.17 436.47 334.63 235.44 Tax Rate 21.01% -3.06% 6.59% 24.70% 19.54% 25.64% 33.07% 33.63% 34.36% 34.55% PAT 899.06 717.07 1,259.89 919.54 -166.15 529.47 500.18 857.83 637.58 446.05 PAT before Minority Interest 899.06 717.07 1,259.89 919.54 -166.15 529.47 500.18 861.36 639.20 446.05 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -3.53 -1.62 0.00 PAT Margin 8.55% 7.00% 13.84% 12.25% -2.50% 8.81% 8.61% 21.54% 22.07% 22.56% PAT Growth 54.95% -43.08% 37.01% 0 -131.38% 5.86% -41.69% 34.54% 42.94% EPS 5.81 4.63 8.14 5.94 -1.07 3.42 3.23 5.54 4.12 2.88

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 15,606.78 14,796.39 13,576.59 12,618.25 12,662.58 10,582.95 7,547.32 6,683.97 4,335.58 2,989.23 Share Capital 607.88 605.10 599.57 599.51 598.02 508.70 426.71 419.67 375.20 324.73 Total Reserves 14,829.04 14,073.60 12,902.03 12,008.18 12,063.93 10,073.84 7,120.50 6,264.30 3,960.37 2,664.50 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,10,943.53 1,03,493.60 84,886.52 79,006.53 73,121.27 57,812.22 58,394.42 43,902.26 34,588.09 24,348.65 Borrowings 13,733.84 14,184.09 13,331.28 11,093.04 11,225.89 17,006.73 11,832.07 9,261.44 7,979.76 10,536.22 Other Liabilities & Provisions 6,441.33 5,958.13 4,081.80 3,490.76 3,640.87 3,575.87 2,585.02 2,003.08 1,771.35 1,286.98 Total Liabilities 1,46,725.48 1,38,432.21 1,15,876.19 1,06,208.58 1,00,650.61 88,977.77 80,358.83 61,850.75 48,674.78 39,161.08 Net Block 570.21 525.06 528.68 466.56 442.36 407.67 362.54 302.71 224.16 158.24 Gross Block 1,830.87 1,592.84 1,459.09 1,254.45 1,091.26 922.15 748.44 588.93 425.75 302.05 Accumulated Depreciation 1,260.66 1,067.79 930.41 787.89 648.91 514.48 385.90 286.21 201.58 143.80 Total Non-Current Assets 1,37,919.80 1,28,511.70 1,08,178.81 1,00,391.97 95,743.62 85,495.73 78,153.19 60,333.78 47,383.11 38,292.33 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 6.96 7.33 45.30 81.55 24.12 62.09 39.94 31.29 34.55 19.05 Cash and balance with RBI 10,964.76 12,070.82 6,238.06 13,111.08 6,704.70 6,415.08 4,839.52 2,589.33 2,947.93 1,339.75 Balance with banks and money at call 1,594.85 2,345.73 2,281.97 4,436.62 6,719.51 2,442.10 1,762.59 1,695.11 1,245.72 1,110.18 Investments 32,164.75 29,575.85 28,875.45 22,274.35 23,230.42 18,149.74 16,840.36 15,447.50 13,481.71 14,436.03 Advances 92,618.27 83,986.91 70,209.35 60,021.81 58,622.51 58,019.05 54,308.24 40,267.84 29,449.04 21,229.08 Other Assets 8,805.69 9,920.50 7,697.38 5,816.62 4,907.00 3,482.04 2,205.62 1,516.97 1,291.67 868.75 Total Assets 1,46,725.49 1,38,432.20 1,15,876.19 1,06,208.59 1,00,650.62 88,977.77 80,358.81 61,850.75 48,674.78 39,161.08 Contingent Liabilities 1,08,393.51 93,224.09 70,104.39 65,299.31 59,088.26 73,653.79 61,302.59 51,395.93 41,904.46 29,718.22 Bills for collection 3,817.31 3,987.04 3,300.32 3,224.45 2,760.72 2,387.38 2,308.94 1,418.19 822.71 772.32 Adjusted Book Value 253.94 242.57 225.18 210.29 211.72 208.01 176.85 159.25 115.53 92.02

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 15,669.53 14,837.44 13,525.66 12,530.50 12,666.24 10,564.93 7,534.79 6,680.56 4,336.34 Share Capital 607.88 605.10 599.57 599.51 598.02 508.70 426.71 419.67 375.20 Total Reserves 14,891.78 14,114.64 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 0.00 0.00 18.82 0.00 Deposits 1,10,932.90 1,03,470.44 84,874.74 79,006.36 73,054.62 57,812.01 58,357.63 43,883.10 34,588.09 Borrowings 13,734.98 14,185.25 13,331.74 11,097.76 11,226.14 17,006.91 11,832.07 9,261.44 7,979.76 Other Liabilities & Provisions 6,434.70 5,960.80 4,073.57 3,528.02 3,671.77 3,599.61 2,673.30 2,033.36 1,771.35 Total Liabilities 1,46,772.11 1,38,453.93 1,15,805.71 1,06,162.64 1,00,618.77 88,983.46 80,397.79 61,877.28 48,675.54 Net Block 637.53 591.24 593.87 537.55 511.43 430.00 375.57 308.35 224.16 Gross Block 1,970.39 1,721.76 1,573.59 1,368.99 1,190.19 963.35 773.02 602.21 425.75 Accumulated Depreciation 1,332.86 1,130.52 979.71 831.44 678.76 533.35 397.45 293.86 201.58 Total Non-Current Assets 1,37,932.24 1,28,486.66 1,08,083.06 1,00,310.10 95,686.44 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 0.00 0.00 Capital Work in Progress 6.96 7.33 45.30 81.55 24.45 62.42 39.94 31.29 34.55 Cash and balance with RBI 10,964.76 12,070.82 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 1,601.63 2,352.60 2,289.13 4,446.19 6,738.08 2,442.90 1,808.67 1,720.69 1,245.72 Investments 32,103.09 29,477.76 28,730.26 22,129.16 23,085.23 18,054.55 16,745.17 15,397.04 13,482.47 Advances 92,618.27 83,986.91 70,186.44 60,004.57 58,622.51 58,005.57 54,308.24 40,267.84 29,449.04 Other Assets 8,839.88 9,967.25 7,722.66 5,852.54 4,932.33 3,572.35 2,280.15 1,562.59 1,291.67 Total Assets 1,46,772.12 1,38,453.91 1,15,805.72 1,06,162.64 1,00,618.77 88,983.46 80,397.79 61,877.26 48,675.54 Contingent Liabilities 1,08,393.76 93,226.07 70,111.52 65,305.61 59,091.20 73,657.97 61,302.59 51,395.93 41,904.46 Bills for collection 3,817.31 3,987.04 3,300.32 3,224.45 2,760.72 2,387.38 2,308.94 1,418.19 822.71 Adjusted Book Value 254.97 243.25 224.33 208.83 211.78 207.66 176.55 159.16 115.55

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -841.82 4,934.96 -11,044.09 6,449.46 7,596.90 -5,084.09 -30.89 -2,527.81 3,433.65 -4,384.20 PBT 668.12 1,252.28 1,180.51 -115.08 689.08 752.78 1,299.15 966.55 681.49 428.01 Adjustment 3,601.50 2,401.91 1,634.37 3,383.25 2,559.54 2,144.09 762.99 451.61 299.66 161.95 Adjustments for Liabilities & Assets -4,923.76 1,450.99 -13,621.26 3,335.40 4,676.57 -7,666.46 -1,509.03 -3,570.83 2,673.50 -4,823.16 Refund/(Payment) of direct taxes -187.68 -170.23 -237.71 -154.11 -328.29 -314.50 -584.00 -375.14 -221.00 -151.00 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 -262.90 -172.45 -222.56 -245.97 -156.78 -205.57 -190.41 -162.19 -142.18 -60.43 Net Fixed Assets -237.66 -95.78 -168.39 -220.62 -131.14 -195.86 -168.16 -159.92 -139.20 -58.62 Other Investment Activity -2010.28 -1822.73 -1750.36 -1492.78 -1320.95 -1174.65 -950.57 -762.40 -520.73 -379.46 Cash from Financing Activity -503.04 842.10 2,238.94 -113.77 -4,206.74 7,697.67 2,566.64 2,994.79 -1,656.14 4,039.88 Closing Cash & Equivalent 12,516.83 14,124.59 8,519.99 17,547.69 11,457.97 8,224.59 5,816.58 3,471.24 3,166.44 1,531.11 Net Cash Inflow / Outflow -1,607.76 5,604.61 -9,027.70 6,089.72 3,233.38 2,408.01 2,345.34 304.80 1,635.33 -404.75 Opening Cash & Equivalents 14,124.59 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

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity -824.06 4,954.98 -11,031.25 6,448.91 7,631.44 -5,172.56 78.24 -2,556.01 3,433.65 PBT 695.80 1,348.71 1,221.15 -206.50 712.03 747.35 1,297.84 973.82 681.49 Adjustment 3,618.20 2,421.94 1,651.16 3,399.71 2,570.88 2,151.69 762.63 457.06 1,061.20 Adjustments for Liabilities & Assets -4,960.02 1,381.73 -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 -178.03 -197.40 -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 0.00 0.00 Cash From Investing Activity -280.74 -193.46 -233.55 -264.03 -174.18 -222.79 -201.71 -165.19 -142.18 Net Fixed Assets -237.66 -95.78 -168.39 -220.62 -131.14 -195.86 -168.16 -159.92 Other Investment Activity -2031.29 -1833.72 -1768.42 -1510.18 -1338.17 -1185.95 -953.57 -762.40 Cash from Financing Activity -503.07 842.80 2,234.69 -109.30 -4,206.67 7,697.85 2,566.64 2,994.03 -1,656.14 Closing Cash & Equivalent 12,518.50 14,126.37 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 -1,607.86 5,604.32 -9,030.11 6,075.58 3,250.60 2,302.50 2,443.18 272.84 1,635.33 Opening Cash & Equivalents 14,126.37 8,522.05 17,552.15 11,476.57 8,225.98 5,923.48 3,480.31 3,207.47 1,531.11

Financial Ratios

Consolidated /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 253.94 242.57 225.18 210.29 211.72 208.01 176.85 159.25 115.53 92.02 NIM 4.71 4.72 4.64 4.03 3.98 4.27 3.27 2.94 2.59 2.15 Yield on Advances 15.16 14.76 13.78 13.62 14.21 14.68 11.60 11.19 12.61 12.93 Yield on Investments 7.75 7.34 6.05 7.14 7.10 8.44 6.96 7.54 8.16 5.58 Cost of Liabilities 6.08 5.40 4.76 4.60 5.38 6.53 5.36 5.16 5.85 5.52 Interest Spread 9.08 9.36 9.02 9.02 8.82 8.15 6.25 6.04 6.75 7.41 ROCE 5.72% 8.09% 7.32% 2.08% 6.21% 6.94% 10.28% 9.67% 9.38% 7.45% Cost Income Ratio 64.68 66.64 70.59 56.88 48.57 51.00 51.28 53.04 53.44 58.59 Core Cost Income Ratio 67.07 67.83 71.83 59.20 51.02 52.52 52.31 56.35 56.86 61.39 Operating Costs to Assets 4.53 4.37 4.56 3.41 2.74 3.18 2.54 2.43 2.17 1.96 Loans/Deposits 0.12 0.14 0.16 0.14 0.15 0.29 0.20 0.21 0.23 0.43 Cash/Deposits 0.10 0.12 0.07 0.17 0.09 0.11 0.08 0.06 0.09 0.06 Investment/Deposits 0.29 0.29 0.34 0.28 0.32 0.31 0.29 0.35 0.39 0.59 Inc Loan/Deposits 12.38% 13.71% 15.70% 14.04% 15.35% 29.42% 20.26% 21.10% 23.07% 43.27% Credit Deposits 83.48% 81.15% 82.71% 75.97% 80.17% 100.36% 93.00% 91.72% 85.14% 87.19% Interest Expended / Interest earned 53.96% 51.24% 48.35% 50.75% 54.53% 57.37% 59.70% 60.82% 67.11% 70.15% Interest income / Total funds 9.57% 8.95% 8.35% 7.70% 8.28% 9.57% 7.84% 7.29% 7.63% 7.01% Interest Expended / Total funds 5.16% 4.59% 4.04% 3.91% 4.51% 5.49% 4.68% 4.43% 5.12% 4.92% CASA 34.15% 35.22% 37.36% 35.29% 31.82% 29.61% 24.98% 24.32% 21.98% 18.64%

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 254.97 243.25 224.33 208.83 211.78 207.66 176.55 159.16 115.55 NIM 4.71 4.73 4.65 4.31 4.35 4.59 3.27 3.04 2.59 Yield on Advances 15.16 14.76 13.79 14.07 14.80 15.13 11.60 11.33 12.61 Yield on Investments 7.77 7.36 6.08 7.19 7.15 8.49 7.00 7.56 8.16 Cost of Liabilities 6.08 5.40 4.76 4.60 5.39 6.53 5.36 5.16 5.85 Interest Spread 9.08 9.36 9.02 9.47 9.41 8.61 6.25 6.17 6.75 ROCE 5.80% 8.43% 7.50% 1.70% 6.30% 6.92% 10.28% 9.73% 9.84% Cost Income Ratio 64.32 65.65 70.11 60.08 51.09 53.39 51.32 53.58 53.44 Core Cost Income Ratio 66.73 66.81 71.34 62.42 53.51 54.90 52.35 56.86 56.86 Operating Costs to Assets 4.49 4.32 4.54 3.76 3.05 3.49 2.54 2.50 2.17 Loans/Deposits 0.12 0.14 0.16 0.14 0.15 0.29 0.20 0.21 0.23 Cash/Deposits 0.10 0.12 0.07 0.17 0.09 0.11 0.08 0.06 0.09 Investment/Deposits 0.29 0.28 0.34 0.28 0.32 0.31 0.29 0.35 0.39 Inc Loan/Deposits 12.38% 13.71% 15.71% 14.05% 15.37% 29.42% 20.28% 21.10% 23.07% Credit Deposits 83.49% 81.17% 82.69% 75.95% 80.24% 100.33% 93.06% 91.76% 85.14% Interest Expended / Interest earned 53.96% 51.24% 48.35% 49.12% 52.32% 55.64% 59.67% 60.09% 67.11% Interest income / Total funds 9.57% 8.95% 8.36% 7.95% 8.62% 9.87% 7.84% 7.37% 7.63% Interest Expended / Total funds 5.16% 4.59% 4.04% 3.91% 4.51% 5.49% 4.68% 4.43% 5.12% CASA 34.14% 35.21% 37.35% 35.29% 31.81% 29.61% 24.93% 24.32% 21.98%

Top Investors:

quant mutual fund - quant small cap fund

invesco india arbitrage fund

axis mutual fund trustee limited a/c axis mutual fund a/c axis small cap fund

smallcap world fund, inc

sbi small cap fund

kotak mahindra trustee co ltd a/c kotak multicap fund

hsbc mutual fund - hsbc small cap fund

llp

investor education and protection fund (iepf)

Annual Reports:

News Update:

RBL Bank’s Q1FY27 consolidated net profit rises 9%
18th Jul 2026, 12:04 PM

Consolidated total income of the bank has increased by 5.53% to Rs 4,762.28 crore in Q1FY27
Read More
RBL Bank - Quarterly Results
18th Jul 2026, 00:00 AM

Read More
RBL Bank reports near three-fold jump in Q4 consolidated net profit
27th Apr 2026, 14:30 PM

The total consolidated income of the bank increased by 7.00% at Rs 4,791.36 crore for Q4FY26
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)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

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

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update: