Balance Sheet RBL Bank Limited

Equities

RBLBANK

INE976G01028

Banks

Market Closed - NSE India S.E. Other stock markets 04:35:09 14/05/2026 pm IST			5-day change	1st Jan Change
337.20 ^INR	+3.51%		+0.40%	+6.78%

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Published financial data: RBL BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	8.44TCr	9.55TCr	12TCr	14TCr	12TCr
Interest Income On Investments	-	-	-	-	2.68TCr
Interest Income, Total	8.44TCr	9.55TCr	12TCr	14TCr	14TCr
Interest On Deposits	4.15TCr	4.68TCr	6.35TCr	7.58TCr	7.97TCr
Interest Expense, Total	4.15TCr	4.68TCr	6.35TCr	7.58TCr	7.97TCr
Net Interest Income	4.3TCr	4.87TCr	6.04TCr	6.46TCr	6.36TCr
Gain (Loss) on Sale of Assets	-30.11L	-37.92L	47.97L	1.03Cr	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	249.18Cr	129.31Cr	158.81Cr	369.02Cr	-40Cr
Total Other Non Interest Income	2.1TCr	2.38TCr	2.9TCr	3.41TCr	4.17TCr
Non Interest Income, Total	2.35TCr	2.51TCr	3.06TCr	3.78TCr	4.13TCr
Revenues Before Provison For Loan Losses	6.65TCr	7.38TCr	9.1TCr	10TCr	10TCr
Provision For Loan Losses	2.86TCr	1.02TCr	1.78TCr	2.96TCr	2.26TCr
Total Revenues	3.79TCr	6.36TCr	7.33TCr	7.28TCr	8.23TCr
Salaries And Other Employee Benefits	1.3TCr	1.59TCr	1.86TCr	2.18TCr	2.49TCr
Stock-Based Compensation (IS)	9.92Cr	67Cr	60Cr	65Cr	-
Occupancy Expense	636.12Cr	710.92Cr	703.68Cr	708.59Cr	-
Selling General & Admin Expenses, Total	126.46Cr	176.35Cr	180.74Cr	242.21Cr	-63Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	1.92TCr	2.59TCr	3.18TCr	3.39TCr	4.69TCr
Non Interest Expense, Total	3.99TCr	5.13TCr	5.98TCr	6.59TCr	7.12TCr
EBT, Excl. Unusual Items	-206.51Cr	1.22TCr	1.35TCr	695.8Cr	1.11TCr
EBT, Incl. Unusual Items	-206.51Cr	1.22TCr	1.35TCr	695.8Cr	1.11TCr
Income Tax Expense	-40Cr	301.6Cr	89Cr	-21Cr	226.95Cr
Earnings From Continuing Operations	-166.15Cr	919.54Cr	1.26TCr	717.07Cr	879.05Cr
Net Income to Company	-166.15Cr	919.54Cr	1.26TCr	717.07Cr	879.05Cr
Minority Interest	-	-	-	-	-
Net Income - (IS)	-166.15Cr	919.54Cr	1.26TCr	717.07Cr	879.05Cr
Net Income to Common Incl Extra Items	-166.15Cr	919.54Cr	1.26TCr	717.07Cr	879.05Cr
Net Income to Common Excl. Extra Items	-166.15Cr	919.54Cr	1.26TCr	717.07Cr	879.05Cr
Per Share Items
Net EPS - Basic	-2.77	15.34	20.94	11.81	14.34
Basic EPS - Continuing Operations	-2.77	15.34	20.94	11.81	14.34
Basic Weighted Average Shares Outstanding	60Cr	60Cr	60Cr	61Cr	61Cr
Net EPS - Diluted	-2.77	15.27	20.54	11.76	14.09
Diluted EPS - Continuing Operations	-2.77	15.27	20.54	11.76	14.09
Diluted Weighted Average Shares Outstanding	60Cr	60Cr	61Cr	61Cr	62Cr
Normalized Basic EPS	-2.15	12.73	14.01	7.16	11.28
Normalized Diluted EPS	-2.15	12.68	13.74	7.13	11.08
Dividend Per Share	-	1.5	1.5	1	1
Payout Ratio	-	-	7.15	12.69	6.97
Supplemental Items
Effective Tax Rate - (Ratio)	19.54	24.7	6.59	-3.06	20.52
Total Current Taxes	151.3Cr	272.47Cr	104.93Cr	68Cr	-
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-191.66Cr	29Cr	-16Cr	-90Cr	-
Normalized Net Income	-129.07Cr	763.22Cr	842.94Cr	434.87Cr	691.25Cr
Non-Cash Pension Expense	36Cr	37Cr	8.85Cr	7.68Cr	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-63Cr
Stock-Based Comp., Other (Total)	9.92Cr	67Cr	60Cr	65Cr	-
Total Stock-Based Compensation	9.92Cr	67Cr	60Cr	65Cr	-63Cr

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	4.73TCr	2.6TCr	2.47TCr	1.77TCr	14TCr
Investment Securities, Total	22TCr	29TCr	29TCr	32TCr	32TCr
Trading Asset Securities, Total	-	-	-	616.01Cr	-
Total investments	22TCr	29TCr	29TCr	33TCr	32TCr
Gross Loans	60TCr	70TCr	84TCr	93TCr	1,14200Cr
Net Loans	60TCr	70TCr	84TCr	93TCr	1,14200Cr
Gross Property Plant And Equipment	1.41TCr	1.58TCr	1.69TCr	1.94TCr	-
Accumulated Depreciation	-831.44Cr	-979.71Cr	-1.13TCr	-1.33TCr	-
Net Property Plant And Equipment	578.42Cr	598.49Cr	557.9Cr	603.81Cr	581.6Cr
Goodwill	41Cr	41Cr	41Cr	41Cr	41Cr
Accrued Interest Receivable	732.23Cr	933.57Cr	1.12TCr	1.3TCr	-
Other Receivables	5.11Cr	5.14Cr	161.85Cr	-	9.05TCr
Restricted Cash	13TCr	5.92TCr	12TCr	11TCr	-
Other Current Assets, Total	50Cr	11Cr	102.64Cr	186.97Cr	-
Deferred Tax Assets Long-Term (Collected)	594.36Cr	565.23Cr	581.34Cr	663.31Cr	-
Other Real Estate Owned And Foreclosed	34Cr	-	-	-	-
Other Long-Term Assets, Total	4.44TCr	6.21TCr	8.16TCr	6.07TCr	11TCr
Total Assets	1,06200Cr	1,15800Cr	1,38500Cr	1,46800Cr	1,80700Cr
Liabilities
Interest Bearing Deposits	67TCr	70TCr	85TCr	93TCr	1,39000Cr
Non-Interest Bearing Deposits	12TCr	15TCr	18TCr	18TCr	-
Total Deposits	79TCr	85TCr	1,03500Cr	1,10900Cr	1,39000Cr
Short-Term Borrowings	-	-	-	490.49Cr	-
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	11TCr	13TCr	14TCr	14TCr	17TCr
Accrued Interest Payable	332.79Cr	473.15Cr	757.4Cr	675.67Cr	-
Other Current Liabilities - (Bank / Utility Template)	262.55Cr	654.72Cr	722.02Cr	780.21Cr	-
Other Non Current Liabilities	2.93TCr	2.95TCr	4.48TCr	4.49TCr	8.27TCr
Total Liabilities	94TCr	1,02300Cr	1,23600Cr	1,31100Cr	1,64000Cr
Common Stock, Total	599.51Cr	599.57Cr	605.1Cr	607.88Cr	618.11Cr
Additional Paid In Capital	8.86TCr	8.86TCr	8.95TCr	9TCr	-
Retained Earnings	2.89TCr	3.8TCr	4.64TCr	5.31TCr	-
Comprehensive Income and Other	181.82Cr	267.34Cr	642.29Cr	758.51Cr	16TCr
Total Common Equity	13TCr	14TCr	15TCr	16TCr	17TCr
Minority Interest	-	-	-	-	-
Total Equity	13TCr	14TCr	15TCr	16TCr	17TCr
Total Liabilities And Equity	1,06200Cr	1,15800Cr	1,38500Cr	1,46800Cr	1,80700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	60Cr	60Cr	61Cr	61Cr	62Cr
ECS Total Common Shares Outstanding	60Cr	60Cr	61Cr	61Cr	62Cr
Book Value / Share	209.01	225.59	245.21	257.78	270.57
Tangible Book Value	12TCr	13TCr	15TCr	16TCr	17TCr
Tangible Book Value Per Share	208.33	224.91	244.53	257.11	269.91
Total Debt	11TCr	13TCr	14TCr	14TCr	17TCr
Deposits at Interest - Cash	13TCr	3.82TCr	8.9TCr	8.06TCr	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	53Cr	54Cr	28Cr	29Cr	-
Net Debt	6.36TCr	11TCr	12TCr	12TCr	2.78TCr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	18.01T	18.99T	22.29T	26.6T	-
Number Of Offices	791	832	861	879	-

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	-166.15Cr	919.54Cr	1.26TCr	717.07Cr	879.05Cr
Depreciation, Depletion & Amortization	90Cr	106.55Cr	116.18Cr	124.07Cr	246.94Cr
Total Depreciation, Depletion & Amortization	90Cr	106.55Cr	116.18Cr	124.07Cr	246.94Cr
Amortization of Deferred Charges, Total	90Cr	106.54Cr	118.34Cr	111.77Cr	-
(Gain) Loss On Sale of Asset - (CF)	30.11L	37.92L	-47.97L	-1.03Cr	18L
(Gain) Loss on Sale of Investments - (CF)	43Cr	60Cr	108.09Cr	-186.21Cr	40Cr
Provision for Credit Losses	3.16TCr	1.25TCr	2.01TCr	3.49TCr	2.69TCr
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	9.92Cr	67Cr	60Cr	65Cr	63Cr
Change in Other Net Operating Assets (Collected)	-2.53TCr	-20TCr	-17TCr	-12TCr	-24TCr
Other Operating Activities	-194.3Cr	131.08Cr	-102.55Cr	-187.68Cr	85Cr
Cash from Operations	497.18Cr	-17TCr	-14TCr	-8.29TCr	-20TCr
Capital Expenditure	-270.8Cr	-244.33Cr	-203.64Cr	-288.34Cr	-234.58Cr
Sale of Property, Plant, and Equipment	6.77Cr	11Cr	10Cr	7.6Cr	9.65Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-264.03Cr	-233.55Cr	-193.46Cr	-280.74Cr	-224.93Cr
Long-Term Debt Issued, Total	-	2.23TCr	853.51Cr	-	3.06TCr
Total Debt Issued	-	2.23TCr	853.51Cr	-	3.06TCr
Long-Term Debt Repaid, Total	-128.38Cr	-	-	-450.27Cr	-
Total Debt Repaid	-128.38Cr	-	-	-450.27Cr	-
Issuance of Common Stock	19Cr	70.68L	79Cr	38Cr	159.76Cr
Common Dividends Paid	-	-	-90Cr	-91Cr	-61Cr
Common & Preferred Stock Dividends Paid	-	-	-90Cr	-91Cr	-61Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	5.95TCr	5.87TCr	19TCr	7.46TCr	28TCr
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	5.84TCr	8.1TCr	19TCr	6.96TCr	31TCr
Foreign Exchange Rate Adjustments	-	-	-	-	34Cr
Net Change in Cash	6.08TCr	-9.03TCr	5.6TCr	-1.61TCr	11TCr
Supplemental Items
Cash Interest Paid	2.51Cr	59L	61L	71L	-
Cash Income Tax Paid (Refund)	163.88Cr	232.99Cr	197.4Cr	178.03Cr	145.68Cr
Net Debt Issued / Repaid	-128.38Cr	2.23TCr	853.51Cr	-450.27Cr	3.06TCr

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	-0.16	0.83	0.99	0.5	0.54
Return On Equity %	-1.32	7.06	8.88	4.7	5.43
Return on Common Equity	-1.32	7.06	8.88	4.7	5.43
Shareholders Value Added	-1.68TCr	-643.82Cr	-441.89Cr	-1.11TCr	-1.06TCr
Margin Analysis
SG&A Margin	57.52	40.81	39.31	45.48	29.55
Net Interest Income / Total Revenues %	113.44	76.64	82.51	88.75	77.31
EBT Excl. Non-Recurring Items Margin %	-5.45	19.21	18.41	9.55	13.44
Income From Continuing Operations Margin %	-4.39	14.47	17.2	9.84	10.68
Net Income Margin %	-4.39	14.47	17.2	9.84	10.68
Net Avail. For Common Margin %	-4.39	14.47	17.2	9.84	10.68
Normalized Net Income Margin	-3.41	12.01	11.51	5.97	8.4
Asset quality
Nonperforming Loans / Total Loans %	4.55	3.45	2.7	2.66	1.47
Nonperforming Loans / Total Assets %	2.57	2.09	1.64	1.68	0.93
Nonperforming Assets / Total Assets %	2.57	2.09	1.64	1.68	0.93
NPAs / Loans and OREO	4.54	3.45	2.7	2.66	1.47
NPAs / Equity	21.77	17.89	15.31	15.73	10.02
Provision for Loan Losses / Net Charge-offs %	147.17	72.4	130.11	115.82	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.19	11.74	11.16	10.7	9.89
Total Average Equity / Total Average Assets %	12.19	11.74	11.16	10.7	9.89
Total Equity + Allowance for Loan Losses / Total Loans %	20.88	19.27	17.67	16.92	14.64
Gross Loans / Total Deposits %	75.95	82.69	81.17	83.49	82.21
Net Loans / Total Deposits %	75.95	82.69	81.17	83.49	82.21
Tier 1 Capital Ratio %	16.21	15.25	14.38	14.06	-
Total Capital Ratio %	16.82	16.92	16.18	15.54	14.25
Core Tier 1 Capital Ratio	16.21	15.25	14.38	14.06	-
Tier 2 Capital Ratio	0.62	1.67	1.8	1.49	-
Interbank Ratio	32	26.27	12.75	6.21	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.95	1.26	1.21	1.09	1.14
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.87	13.37	20.92	6.97	-1.59
Non Interest Income, 1 Yr. Growth %	25.44	6.61	22.06	23.48	9.23
Provision For Loan Losses, 1 Yr. Growth %	28.39	-64.27	74.03	66.36	-23.63
Total Revenues, 1 Yr. Growth %	0.12	67.8	12.99	-0.55	12.97
Earnings From Cont. Operations, 1 Yr. Growth %	-131.38	-653.45	37.01	-43.09	22.59
Net Income, 1 Yr. Growth %	-131.38	-653.45	37.01	-43.09	22.59
Normalized Net Income, 1 Yr. Growth %	-129	-691.33	10.45	-48.41	58.96
Diluted EPS Before Extra, 1 Yr. Growth %	-128.66	-650.47	34.51	-42.75	19.81
Dividend Per Share, 1 Yr. Growth %	-	-	0	-33.33	0
Gross Loans, 1 Yr. Growth %	2.36	16.97	19.66	10.28	23.34
Net Loans, 1 Yr. Growth %	2.36	16.97	19.66	10.28	23.34
Non Performing Loans, 1 Yr. Growth %	4.88	-11.31	-6.15	8.56	-32.06
Non Performing Assets, 1 Yr. Growth %	4.88	-11.31	-6.15	8.56	-32.06
Total Assets, 1 Yr. Growth %	5.51	9.08	19.56	6.01	23.15
Total Deposits, 1 Yr Growth %	8.15	7.43	21.91	7.21	25.26
Tangible Book Value, 1 Yr. Growth %	-1.08	7.97	9.73	5.62	6.75
Common Equity, 1 Yr. Growth %	-1.07	7.94	9.7	5.61	6.73
Total Equity, 1 Yr. Growth %	-1.07	7.94	9.7	5.61	6.73
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.04	8.52	18.6	13.73	2.6
Non Interest Income, 2 Yr. CAGR %	10.72	15.64	14.07	22.77	16.14
Provision For Loan Losses, 2 Yr. CAGR %	20.76	-32.27	-21.15	70.15	12.72
Total Revenues, 2 Yr. CAGR %	-0.82	29.62	39.07	6	5.99
Earnings From Cont. Operations, 2 Yr. CAGR %	-42.37	31.79	175.37	-11.69	-16.47
Net Income, 2 Yr. CAGR %	-42.37	31.79	175.37	-11.69	-16.47
Normalized Net Income, 2 Yr. CAGR %	-47.43	30.96	155.56	-24.52	-9.44
Diluted EPS Before Extra, 2 Yr. CAGR %	-49.74	25.6	172.11	-12.24	-17.18
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-18.35	-18.35
Gross Loans, 2 Yr. CAGR %	1.71	9.42	18.31	14.87	16.62
Net Loans, 2 Yr. CAGR %	1.71	9.42	18.31	14.87	16.62
Non Performing Loans, 2 Yr. CAGR %	13.01	-3.55	-8.77	0.94	-14.12
Non Performing Assets, 2 Yr. CAGR %	13.01	-3.55	-8.77	0.94	-14.12
Total Assets, 2 Yr. CAGR %	9.23	7.28	14.2	12.58	14.26
Total Deposits, 2 Yr CAGR %	16.9	7.79	14.44	14.32	15.89
Tangible Book Value, 2 Yr. CAGR %	8.94	3.35	8.84	7.66	6.18
Common Equity, 2 Yr. CAGR %	8.91	3.34	8.82	7.63	6.17
Total Equity, 2 Yr. CAGR %	8.91	3.34	8.82	7.63	6.17
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	19.13	7.75	13.47	14.59	8.38
Non Interest Income, 3 Yr. CAGR %	17.73	9.34	17.74	17.13	18.08
Provision For Loan Losses, 3 Yr. CAGR %	64.66	-19.53	-7.24	1.13	30.28
Total Revenues, 3 Yr. CAGR %	4.26	18.18	24.64	24.36	8.28
Earnings From Cont. Operations, 3 Yr. CAGR %	-42.22	22.5	33.51	62.81	-1.49
Net Income, 3 Yr. CAGR %	-42.14	22.5	33.51	62.81	-1.49
Normalized Net Income, 3 Yr. CAGR %	-45.73	17.78	23.73	49.92	-3.25
Diluted EPS Before Extra, 3 Yr. CAGR %	-48.09	11.62	28.5	61.85	-2.65
Dividend Per Share, 3 Yr. CAGR %	-	0	-	-	-12.64
Gross Loans, 3 Yr. CAGR %	3.38	6.56	12.73	15.57	17.63
Net Loans, 3 Yr. CAGR %	3.38	6.56	12.73	15.57	17.63
Non Performing Loans, 3 Yr. CAGR %	53.48	4.24	-4.43	-3.32	-11.54
Non Performing Assets, 3 Yr. CAGR %	53.48	4.24	-4.43	-3.32	-11.54
Total Assets, 3 Yr. CAGR %	9.71	9.18	11.23	11.4	16
Total Deposits, 3 Yr CAGR %	10.63	13.65	12.3	11.98	17.86
Tangible Book Value, 3 Yr. CAGR %	18.56	8.61	5.43	7.76	7.35
Common Equity, 3 Yr. CAGR %	18.48	8.58	5.42	7.74	7.33
Total Equity, 3 Yr. CAGR %	18.48	8.58	5.42	7.74	7.33
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	28.61	21.75	18.92	10.67	8.99
Non Interest Income, 5 Yr. CAGR %	25.5	18.59	16.25	14.52	17.1
Provision For Loan Losses, 5 Yr. CAGR %	64.3	22.7	22.65	8.57	0.28
Total Revenues, 5 Yr. CAGR %	16.86	20.31	17	13.6	16.82
Earnings From Cont. Operations, 5 Yr. CAGR %	-17.95	7.74	7.9	7.47	10.67
Net Income, 5 Yr. CAGR %	-17.95	7.8	7.99	7.47	10.67
Normalized Net Income, 5 Yr. CAGR %	-21.26	4.81	0.86	-1.42	9.21
Diluted EPS Before Extra, 5 Yr. CAGR %	-25.17	0.24	0.71	1.38	7.8
Dividend Per Share, 5 Yr. CAGR %	-	-6.51	-11.09	-7.79	-
Gross Loans, 5 Yr. CAGR %	15.3	11.75	9.11	9.81	14.27
Net Loans, 5 Yr. CAGR %	15.3	11.75	9.11	9.81	14.27
Non Performing Loans, 5 Yr. CAGR %	50.21	33.68	24.65	2.91	-8.43
Non Performing Assets, 5 Yr. CAGR %	50.21	33.68	24.65	2.91	-8.43
Total Assets, 5 Yr. CAGR %	16.88	13.35	11.48	10.53	12.43
Total Deposits, 5 Yr CAGR %	17.96	14.1	12.14	13.92	13.72
Tangible Book Value, 5 Yr. CAGR %	23.56	15.15	14.57	8.23	5.73
Common Equity, 5 Yr. CAGR %	23.64	15.15	14.51	8.2	5.72
Total Equity, 5 Yr. CAGR %	23.64	15.09	14.51	8.2	5.72