Cash flow RBL Bank Limited

Equities

RBLBANK

INE976G01028

Banks

Delayed NSE India S.E. Other stock markets 03:53:46 12/02/2026 pm IST			5-day change	1st Jan Change
317.00 ^INR	+2.66%		+3.66%	+0.38%

06/02	Blackstone gets India's central bank nod to buy Federal Bank stake	RE
02/02	India holding talks to raise FDI in state-run banks to 49%, finance official says	RE

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Published financial data: RBL BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	8.56TCr	8.44TCr	9.55TCr	12TCr	14TCr
Interest Income, Total	8.56TCr	8.44TCr	9.55TCr	12TCr	14TCr
Interest On Deposits	4.42TCr	4.15TCr	4.68TCr	6.35TCr	7.58TCr
Interest Expense, Total	4.42TCr	4.15TCr	4.68TCr	6.35TCr	7.58TCr
Net Interest Income	4.14TCr	4.3TCr	4.87TCr	6.04TCr	6.46TCr
Gain (Loss) on Sale of Assets	-1.76Cr	-30.11L	-37.92L	47.97L	1.03Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	287.27Cr	249.18Cr	129.31Cr	158.81Cr	369.02Cr
Total Other Non Interest Income	1.76TCr	2.1TCr	2.38TCr	2.9TCr	3.41TCr
Non Interest Income, Total	2.05TCr	2.35TCr	2.51TCr	3.06TCr	3.78TCr
Revenues Before Provison For Loan Losses	6.18TCr	6.65TCr	7.38TCr	9.1TCr	10TCr
Provision For Loan Losses	2.4TCr	2.86TCr	1.02TCr	1.78TCr	2.96TCr
Total Revenues	3.78TCr	3.79TCr	6.36TCr	7.33TCr	7.28TCr
Salaries And Other Employee Benefits	1.12TCr	1.3TCr	1.59TCr	1.86TCr	2.18TCr
Stock-Based Compensation (IS)	21.83L	9.92Cr	67Cr	60Cr	65Cr
Occupancy Expense	449.04Cr	636.12Cr	710.92Cr	703.68Cr	708.59Cr
Selling General & Admin Expenses, Total	78Cr	126.46Cr	176.35Cr	180.74Cr	242.21Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	1.42TCr	1.92TCr	2.59TCr	3.18TCr	3.39TCr
Non Interest Expense, Total	3.07TCr	3.99TCr	5.13TCr	5.98TCr	6.59TCr
EBT, Excl. Unusual Items	712.03Cr	-206.51Cr	1.22TCr	1.35TCr	695.8Cr
EBT, Incl. Unusual Items	712.03Cr	-206.51Cr	1.22TCr	1.35TCr	695.8Cr
Income Tax Expense	182.56Cr	-40Cr	301.6Cr	89Cr	-21Cr
Earnings From Continuing Operations	529.47Cr	-166.15Cr	919.54Cr	1.26TCr	717.07Cr
Net Income to Company	529.47Cr	-166.15Cr	919.54Cr	1.26TCr	717.07Cr
Minority Interest	-	-	-	-	-
Net Income - (IS)	529.47Cr	-166.15Cr	919.54Cr	1.26TCr	717.07Cr
Net Income to Common Incl Extra Items	529.47Cr	-166.15Cr	919.54Cr	1.26TCr	717.07Cr
Net Income to Common Excl. Extra Items	529.47Cr	-166.15Cr	919.54Cr	1.26TCr	717.07Cr
Per Share Items
Net EPS - Basic	9.75	-2.77	15.34	20.94	11.81
Basic EPS - Continuing Operations	9.75	-2.77	15.34	20.94	11.81
Basic Weighted Average Shares Outstanding	54Cr	60Cr	60Cr	60Cr	61Cr
Net EPS - Diluted	9.68	-2.77	15.27	20.54	11.76
Diluted EPS - Continuing Operations	9.68	-2.77	15.27	20.54	11.76
Diluted Weighted Average Shares Outstanding	55Cr	60Cr	60Cr	61Cr	61Cr
Normalized Basic EPS	8.2	-2.15	12.73	14.01	7.16
Normalized Diluted EPS	8.13	-2.15	12.68	13.74	7.13
Dividend Per Share	-	-	1.5	1.5	1
Payout Ratio	-	-	-	7.15	12.69
Supplemental Items
Effective Tax Rate - (Ratio)	25.64	19.54	24.7	6.59	-3.06
Total Current Taxes	309.44Cr	151.3Cr	272.47Cr	104.93Cr	68Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-126.88Cr	-191.66Cr	29Cr	-16Cr	-90Cr
Normalized Net Income	445.02Cr	-129.07Cr	763.22Cr	842.94Cr	434.87Cr
Non-Cash Pension Expense	2.19Cr	36Cr	37Cr	8.85Cr	7.68Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	21.83L	9.92Cr	67Cr	60Cr	65Cr
Total Stock-Based Compensation	21.83L	9.92Cr	67Cr	60Cr	65Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	5.04TCr	4.73TCr	2.6TCr	2.47TCr	1.77TCr
Investment Securities, Total	23TCr	22TCr	29TCr	29TCr	32TCr
Trading Asset Securities, Total	-	-	-	-	616.01Cr
Total investments	23TCr	22TCr	29TCr	29TCr	33TCr
Gross Loans	59TCr	60TCr	70TCr	84TCr	93TCr
Net Loans	59TCr	60TCr	70TCr	84TCr	93TCr
Gross Property Plant And Equipment	1.17TCr	1.41TCr	1.58TCr	1.69TCr	1.94TCr
Accumulated Depreciation	-678.76Cr	-831.44Cr	-979.71Cr	-1.13TCr	-1.33TCr
Net Property Plant And Equipment	495.2Cr	578.42Cr	598.49Cr	557.9Cr	603.81Cr
Goodwill	41Cr	41Cr	41Cr	41Cr	41Cr
Accrued Interest Receivable	749.52Cr	732.23Cr	933.57Cr	1.12TCr	1.3TCr
Other Receivables	1.97TCr	5.11Cr	5.14Cr	161.85Cr	-
Restricted Cash	6.44TCr	13TCr	5.92TCr	12TCr	11TCr
Other Current Assets, Total	37Cr	50Cr	11Cr	102.64Cr	186.97Cr
Deferred Tax Assets Long-Term (Collected)	402.7Cr	594.36Cr	565.23Cr	581.34Cr	663.31Cr
Other Real Estate Owned And Foreclosed	40Cr	34Cr	-	-	-
Other Long-Term Assets, Total	3.7TCr	4.44TCr	6.21TCr	8.16TCr	6.07TCr
Total Assets	1,00600Cr	1,06200Cr	1,15800Cr	1,38500Cr	1,46800Cr
Liabilities
Interest Bearing Deposits	63TCr	67TCr	70TCr	85TCr	93TCr
Non-Interest Bearing Deposits	9.69TCr	12TCr	15TCr	18TCr	18TCr
Total Deposits	73TCr	79TCr	85TCr	1,03500Cr	1,10900Cr
Short-Term Borrowings	-	-	-	-	490.49Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	11TCr	11TCr	13TCr	14TCr	14TCr
Accrued Interest Payable	512.13Cr	332.79Cr	473.15Cr	757.4Cr	675.67Cr
Other Current Liabilities - (Bank / Utility Template)	272.01Cr	262.55Cr	654.72Cr	722.02Cr	780.21Cr
Other Non Current Liabilities	2.89TCr	2.93TCr	2.95TCr	4.48TCr	4.49TCr
Total Liabilities	88TCr	94TCr	1,02300Cr	1,23600Cr	1,31100Cr
Common Stock, Total	598.02Cr	599.51Cr	599.57Cr	605.1Cr	607.88Cr
Additional Paid In Capital	8.84TCr	8.86TCr	8.86TCr	8.95TCr	9TCr
Retained Earnings	3.1TCr	2.89TCr	3.8TCr	4.64TCr	5.31TCr
Comprehensive Income and Other	127.49Cr	181.82Cr	267.34Cr	642.29Cr	758.51Cr
Total Common Equity	13TCr	13TCr	14TCr	15TCr	16TCr
Minority Interest	-	-	-	-	-
Total Equity	13TCr	13TCr	14TCr	15TCr	16TCr
Total Liabilities And Equity	1,00600Cr	1,06200Cr	1,15800Cr	1,38500Cr	1,46800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	60Cr	60Cr	60Cr	61Cr	61Cr
ECS Total Common Shares Outstanding	60Cr	60Cr	60Cr	61Cr	61Cr
Book Value / Share	211.8	209.01	225.59	245.21	257.78
Tangible Book Value	13TCr	12TCr	13TCr	15TCr	16TCr
Tangible Book Value Per Share	211.12	208.33	224.91	244.53	257.11
Total Debt	11TCr	11TCr	13TCr	14TCr	14TCr
Deposits at Interest - Cash	9.97TCr	13TCr	3.82TCr	8.9TCr	8.06TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	17Cr	53Cr	54Cr	28Cr	29Cr
Net Debt	6.19TCr	6.36TCr	11TCr	12TCr	12TCr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	17T	18.01T	18.99T	22.29T	26.6T
Number Of Offices	689	791	832	861	879

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	529.47Cr	-166.15Cr	919.54Cr	1.26TCr	717.07Cr
Depreciation, Depletion & Amortization	92Cr	90Cr	106.55Cr	116.18Cr	124.07Cr
Total Depreciation, Depletion & Amortization	92Cr	90Cr	106.55Cr	116.18Cr	124.07Cr
Amortization of Deferred Charges, Total	78Cr	90Cr	106.54Cr	118.34Cr	111.77Cr
(Gain) Loss On Sale of Asset - (CF)	1.76Cr	30.11L	37.92L	-47.97L	-1.03Cr
(Gain) Loss on Sale of Investments - (CF)	17Cr	43Cr	60Cr	108.09Cr	-186.21Cr
Provision for Credit Losses	2.38TCr	3.16TCr	1.25TCr	2.01TCr	3.49TCr
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	21.83L	9.92Cr	67Cr	60Cr	65Cr
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-11TCr	-2.53TCr	-20TCr	-17TCr	-12TCr
Other Operating Activities	-173.97Cr	-194.3Cr	131.08Cr	-102.55Cr	-187.68Cr
Cash from Operations	-7.61TCr	497.18Cr	-17TCr	-14TCr	-8.29TCr
Capital Expenditure	-178.97Cr	-270.8Cr	-244.33Cr	-203.64Cr	-288.34Cr
Sale of Property, Plant, and Equipment	4.79Cr	6.77Cr	11Cr	10Cr	7.6Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-174.18Cr	-264.03Cr	-233.55Cr	-193.46Cr	-280.74Cr
Long-Term Debt Issued, Total	-	-	2.23TCr	853.51Cr	-
Total Debt Issued	-	-	2.23TCr	853.51Cr	-
Long-Term Debt Repaid, Total	-5.78TCr	-128.38Cr	-	-	-450.27Cr
Total Debt Repaid	-5.78TCr	-128.38Cr	-	-	-450.27Cr
Issuance of Common Stock	1.57TCr	19Cr	70.68L	79Cr	38Cr
Common Dividends Paid	-	-	-	-90Cr	-91Cr
Common & Preferred Stock Dividends Paid	-	-	-	-90Cr	-91Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	15TCr	5.95TCr	5.87TCr	19TCr	7.46TCr
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	11TCr	5.84TCr	8.1TCr	19TCr	6.96TCr
Net Change in Cash	3.25TCr	6.08TCr	-9.03TCr	5.6TCr	-1.61TCr
Supplemental Items
Cash Interest Paid	2.89Cr	2.51Cr	59L	61L	71L
Cash Income Tax Paid (Refund)	355.44Cr	163.88Cr	232.99Cr	197.4Cr	178.03Cr
Net Debt Issued / Repaid	-5.78TCr	-128.38Cr	2.23TCr	853.51Cr	-450.27Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.56	-0.16	0.83	0.99	0.5
Return On Equity %	4.56	-1.32	7.06	8.88	4.7
Return on Common Equity	4.56	-1.32	7.06	8.88	4.7
Shareholders Value Added	-864.4Cr	-1.68TCr	-643.82Cr	-441.89Cr	-1.11TCr
Margin Analysis
SG&A Margin	46	57.52	40.81	39.31	45.48
Net Interest Income / Total Revenues %	109.34	113.44	76.64	82.51	88.75
EBT Excl. Non-Recurring Items Margin %	18.82	-5.45	19.21	18.41	9.55
Income From Continuing Operations Margin %	14	-4.39	14.47	17.2	9.84
Net Income Margin %	14	-4.39	14.47	17.2	9.84
Net Avail. For Common Margin %	14	-4.39	14.47	17.2	9.84
Normalized Net Income Margin	11.76	-3.41	12.01	11.51	5.97
Asset quality
Nonperforming Loans / Total Loans %	4.44	4.55	3.45	2.7	2.66
Nonperforming Loans / Total Assets %	2.59	2.57	2.09	1.64	1.68
Nonperforming Assets / Total Assets %	2.59	2.57	2.09	1.64	1.68
NPAs / Loans and OREO	4.43	4.54	3.45	2.7	2.66
NPAs / Equity	20.54	21.77	17.89	15.31	15.73
Provision for Loan Losses / Net Charge-offs %	158.39	147.17	72.4	130.11	115.82
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.25	12.19	11.74	11.16	10.7
Total Average Equity / Total Average Assets %	12.25	12.19	11.74	11.16	10.7
Total Equity + Allowance for Loan Losses / Total Loans %	21.61	20.88	19.27	17.67	16.92
Gross Loans / Total Deposits %	80.24	75.95	82.69	81.17	83.49
Net Loans / Total Deposits %	80.24	75.95	82.69	81.17	83.49
Tier 1 Capital Ratio %	16.64	16.21	15.25	14.38	14.06
Total Capital Ratio %	17.5	16.82	16.92	16.18	15.54
Core Tier 1 Capital Ratio	16.64	16.21	15.25	14.38	14.06
Tier 2 Capital Ratio	0.86	0.62	1.67	1.8	1.49
Interbank Ratio	23.89	32	26.27	12.75	6.21
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.16	0.95	1.26	1.21	1.09
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.23	3.87	13.37	20.92	6.97
Non Interest Income, 1 Yr. Growth %	6.8	25.44	6.61	22.06	23.48
Provision For Loan Losses, 1 Yr. Growth %	22.44	28.39	-64.27	74.03	66.36
Total Revenues, 1 Yr. Growth %	-1.75	0.12	67.8	12.99	-0.55
Earnings From Cont. Operations, 1 Yr. Growth %	5.85	-131.38	-653.45	37.01	-43.09
Net Income, 1 Yr. Growth %	5.85	-131.38	-653.45	37.01	-43.09
Normalized Net Income, 1 Yr. Growth %	-4.73	-129	-691.33	10.45	-48.41
Diluted EPS Before Extra, 1 Yr. Growth %	-11.84	-128.66	-650.47	34.51	-42.75
Dividend Per Share, 1 Yr. Growth %	-	-	-	0	-33.33
Gross Loans, 1 Yr. Growth %	1.06	2.36	16.97	19.66	10.28
Net Loans, 1 Yr. Growth %	1.06	2.36	16.97	19.66	10.28
Non Performing Loans, 1 Yr. Growth %	21.76	4.88	-11.31	-6.15	8.56
Non Performing Assets, 1 Yr. Growth %	21.76	4.88	-11.31	-6.15	8.56
Total Assets, 1 Yr. Growth %	13.08	5.51	9.08	19.56	6.01
Total Deposits, 1 Yr Growth %	26.37	8.15	7.43	21.91	7.21
Tangible Book Value, 1 Yr. Growth %	19.97	-1.08	7.97	9.73	5.62
Common Equity, 1 Yr. Growth %	19.89	-1.07	7.94	9.7	5.61
Total Equity, 1 Yr. Growth %	19.89	-1.07	7.94	9.7	5.61
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	27.58	5.04	8.52	18.6	13.73
Non Interest Income, 2 Yr. CAGR %	19.23	10.72	15.64	14.07	22.77
Provision For Loan Losses, 2 Yr. CAGR %	93.62	20.76	-32.27	-21.15	70.15
Total Revenues, 2 Yr. CAGR %	6.4	-0.82	29.62	39.07	6
Earnings From Cont. Operations, 2 Yr. CAGR %	-21.6	-42.37	31.79	175.37	-11.69
Net Income, 2 Yr. CAGR %	-21.44	-42.37	31.79	175.37	-11.69
Normalized Net Income, 2 Yr. CAGR %	-25.77	-47.43	30.96	155.56	-24.52
Diluted EPS Before Extra, 2 Yr. CAGR %	-30.13	-49.74	25.6	172.11	-12.24
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-18.35
Gross Loans, 2 Yr. CAGR %	3.9	1.71	9.42	18.31	14.87
Net Loans, 2 Yr. CAGR %	3.9	1.71	9.42	18.31	14.87
Non Performing Loans, 2 Yr. CAGR %	85.67	13.01	-3.55	-8.77	0.94
Non Performing Assets, 2 Yr. CAGR %	85.67	13.01	-3.55	-8.77	0.94
Total Assets, 2 Yr. CAGR %	11.87	9.23	7.28	14.2	12.58
Total Deposits, 2 Yr CAGR %	11.89	16.9	7.79	14.44	14.32
Tangible Book Value, 2 Yr. CAGR %	29.8	8.94	3.35	8.84	7.66
Common Equity, 2 Yr. CAGR %	29.65	8.91	3.34	8.82	7.63
Total Equity, 2 Yr. CAGR %	29.65	8.91	3.34	8.82	7.63
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	31.46	19.13	7.75	13.47	14.59
Non Interest Income, 3 Yr. CAGR %	24.22	17.73	9.34	17.74	17.13
Provision For Loan Losses, 3 Yr. CAGR %	86.97	64.66	-19.53	-7.24	1.13
Total Revenues, 3 Yr. CAGR %	14.47	4.26	18.18	24.64	24.36
Earnings From Cont. Operations, 3 Yr. CAGR %	-5.79	-42.22	22.5	33.51	62.81
Net Income, 3 Yr. CAGR %	-5.71	-42.14	22.5	33.51	62.81
Normalized Net Income, 3 Yr. CAGR %	-9.65	-45.73	17.78	23.73	49.92
Diluted EPS Before Extra, 3 Yr. CAGR %	-13.76	-48.09	11.62	28.5	61.85
Dividend Per Share, 3 Yr. CAGR %	-	-	0	-	-
Gross Loans, 3 Yr. CAGR %	13.34	3.38	6.56	12.73	15.57
Net Loans, 3 Yr. CAGR %	13.34	3.38	6.56	12.73	15.57
Non Performing Loans, 3 Yr. CAGR %	66.19	53.48	4.24	-4.43	-3.32
Non Performing Assets, 3 Yr. CAGR %	66.19	53.48	4.24	-4.43	-3.32
Total Assets, 3 Yr. CAGR %	17.59	9.71	9.18	11.23	11.4
Total Deposits, 3 Yr CAGR %	18.52	10.63	13.65	12.3	11.98
Tangible Book Value, 3 Yr. CAGR %	23.75	18.56	8.61	5.43	7.76
Common Equity, 3 Yr. CAGR %	23.77	18.48	8.58	5.42	7.74
Total Equity, 3 Yr. CAGR %	23.65	18.48	8.58	5.42	7.74
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	38.24	28.61	21.75	18.92	10.67
Non Interest Income, 5 Yr. CAGR %	33.09	25.5	18.59	16.25	14.52
Provision For Loan Losses, 5 Yr. CAGR %	83.83	64.3	22.7	22.65	8.57
Total Revenues, 5 Yr. CAGR %	25.91	16.86	20.31	17	13.6
Earnings From Cont. Operations, 5 Yr. CAGR %	12.6	-17.95	7.74	7.9	7.47
Net Income, 5 Yr. CAGR %	12.6	-17.95	7.8	7.99	7.47
Normalized Net Income, 5 Yr. CAGR %	10.72	-21.26	4.81	0.86	-1.42
Diluted EPS Before Extra, 5 Yr. CAGR %	0.52	-25.17	0.24	0.71	1.38
Dividend Per Share, 5 Yr. CAGR %	-	-	-6.51	-11.09	-7.79
Gross Loans, 5 Yr. CAGR %	22.53	15.3	11.75	9.11	9.81
Net Loans, 5 Yr. CAGR %	22.53	15.3	11.75	9.11	9.81
Non Performing Loans, 5 Yr. CAGR %	65.73	50.21	33.68	24.65	2.91
Non Performing Assets, 5 Yr. CAGR %	65.73	50.21	33.68	24.65	2.91
Total Assets, 5 Yr. CAGR %	20.77	16.88	13.35	11.48	10.53
Total Deposits, 5 Yr CAGR %	24.58	17.96	14.1	12.14	13.92
Tangible Book Value, 5 Yr. CAGR %	33.39	23.56	15.15	14.57	8.23
Common Equity, 5 Yr. CAGR %	33.48	23.64	15.15	14.51	8.2
Total Equity, 5 Yr. CAGR %	33.48	23.64	15.09	14.51	8.2