Financial Ratios RBL Bank Limited

Equities

RBLBANK

INE976G01028

Banks

Market Closed - NSE India S.E. Other stock markets 05:19:43 18/07/2025 pm IST			5-day change	1st Jan Change
263.14 ^INR	-1.95%		-0.39%	+66.54%

30/06	INDIA STOCKS-India's equity benchmarks ease as financials retreat from record highs	RE
26/06	Certain Equity Shares of DAM Capital Advisors Limited are subject to a Lock-Up Agreement Ending on 26-JUN-2025.	CI

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Published financial data: RBL BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	8.78TCr	8.56TCr	8.44TCr	9.55TCr	12TCr
Interest Income, Total	8.78TCr	8.56TCr	8.44TCr	9.55TCr	12TCr
Interest On Deposits	4.88TCr	4.42TCr	4.15TCr	4.68TCr	6.35TCr
Interest Expense, Total	4.88TCr	4.42TCr	4.15TCr	4.68TCr	6.35TCr
Net Interest Income	3.89TCr	4.14TCr	4.3TCr	4.87TCr	6.04TCr
Gain (Loss) on Sale of Assets	1L	-1.76Cr	-30.11L	-37.92L	47.97L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	159.53Cr	287.27Cr	249.18Cr	129.31Cr	158.81Cr
Total Other Non Interest Income	1.76TCr	1.76TCr	2.1TCr	2.38TCr	2.9TCr
Non Interest Income, Total	1.92TCr	2.05TCr	2.35TCr	2.51TCr	3.06TCr
Revenues Before Provison For Loan Losses	5.81TCr	6.18TCr	6.65TCr	7.38TCr	9.1TCr
Provision For Loan Losses	2TCr	2.4TCr	2.86TCr	1.02TCr	1.78TCr
Total Revenues	3.81TCr	3.78TCr	3.79TCr	6.36TCr	7.33TCr
Salaries And Other Employee Benefits	967.2Cr	1.12TCr	1.3TCr	1.59TCr	1.86TCr
Stock-Based Compensation (IS)	29.99L	21.83L	9.92Cr	67Cr	60Cr
Occupancy Expense	370.6Cr	449.04Cr	636.12Cr	710.92Cr	703.68Cr
Selling General & Admin Expenses, Total	99Cr	78Cr	126.46Cr	176.35Cr	180.74Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	1.63TCr	1.42TCr	1.92TCr	2.59TCr	3.18TCr
Non Interest Expense, Total	3.07TCr	3.07TCr	3.99TCr	5.13TCr	5.98TCr
EBT, Excl. Unusual Items	747.35Cr	712.03Cr	-206.51Cr	1.22TCr	1.35TCr
EBT, Incl. Unusual Items	747.35Cr	712.03Cr	-206.51Cr	1.22TCr	1.35TCr
Income Tax Expense	247.17Cr	182.56Cr	-40Cr	301.6Cr	89Cr
Earnings From Continuing Operations	500.18Cr	529.47Cr	-166.15Cr	919.54Cr	1.26TCr
Net Income to Company	500.18Cr	529.47Cr	-166.15Cr	919.54Cr	1.26TCr
Minority Interest	-	-	-	-	-
Net Income - (IS)	500.18Cr	529.47Cr	-166.15Cr	919.54Cr	1.26TCr
Net Income to Common Incl Extra Items	500.18Cr	529.47Cr	-166.15Cr	919.54Cr	1.26TCr
Net Income to Common Excl. Extra Items	500.18Cr	529.47Cr	-166.15Cr	919.54Cr	1.26TCr
Per Share Items
Net EPS - Basic	11.04	9.75	-2.77	15.34	20.94
Basic EPS - Continuing Operations	11.04	9.75	-2.77	15.34	20.94
Basic Weighted Average Shares Outstanding	45Cr	54Cr	60Cr	60Cr	60Cr
Net EPS - Diluted	10.98	9.68	-2.77	15.27	20.54
Diluted EPS - Continuing Operations	10.98	9.68	-2.77	15.27	20.54
Diluted Weighted Average Shares Outstanding	46Cr	55Cr	60Cr	60Cr	61Cr
Normalized Basic EPS	10.31	8.2	-2.15	12.73	14.01
Normalized Diluted EPS	10.26	8.13	-2.15	12.68	13.74
Dividend Per Share	1.5	-	-	1.5	1.5
Payout Ratio	38.34	-	-	-	7.15
Supplemental Items
Effective Tax Rate - (Ratio)	33.07	25.64	19.54	24.7	6.59
Total Current Taxes	320.78Cr	309.44Cr	151.3Cr	272.47Cr	104.93Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-74Cr	-126.88Cr	-191.66Cr	29Cr	-16Cr
Normalized Net Income	467.1Cr	445.02Cr	-129.07Cr	763.22Cr	842.94Cr
Non-Cash Pension Expense	50Cr	2.19Cr	36Cr	37Cr	8.85Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	29.99L	21.83L	9.92Cr	67Cr	60Cr
Total Stock-Based Compensation	29.99L	21.83L	9.92Cr	67Cr	60Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	2.05TCr	5.04TCr	4.73TCr	2.6TCr	2.47TCr
Investment Securities, Total	18TCr	23TCr	22TCr	29TCr	29TCr
Total investments	18TCr	23TCr	22TCr	29TCr	29TCr
Gross Loans	58TCr	59TCr	60TCr	70TCr	84TCr
Net Loans	58TCr	59TCr	60TCr	70TCr	84TCr
Gross Property Plant And Equipment	1.03TCr	1.17TCr	1.41TCr	1.58TCr	1.69TCr
Accumulated Depreciation	-533.35Cr	-678.76Cr	-831.44Cr	-979.71Cr	-1.13TCr
Net Property Plant And Equipment	492.42Cr	495.2Cr	578.42Cr	598.49Cr	557.9Cr
Goodwill	41Cr	41Cr	41Cr	41Cr	41Cr
Accrued Interest Receivable	734.35Cr	749.52Cr	732.23Cr	933.57Cr	1.12TCr
Other Receivables	632.59Cr	1.97TCr	5.11Cr	5.14Cr	161.85Cr
Restricted Cash	6.17TCr	6.44TCr	13TCr	5.92TCr	12TCr
Other Current Assets, Total	73Cr	37Cr	50Cr	11Cr	102.64Cr
Deferred Tax Assets Long-Term (Collected)	275.82Cr	402.7Cr	594.36Cr	565.23Cr	581.34Cr
Other Real Estate Owned And Foreclosed	40Cr	40Cr	34Cr	-	-
Other Long-Term Assets, Total	2.41TCr	3.7TCr	4.44TCr	6.21TCr	8.16TCr
Total Assets	89TCr	1,00600Cr	1,06200Cr	1,15800Cr	1,38500Cr
Liabilities
Interest Bearing Deposits	50TCr	63TCr	67TCr	70TCr	85TCr
Non-Interest Bearing Deposits	7.51TCr	9.69TCr	12TCr	15TCr	18TCr
Total Deposits	58TCr	73TCr	79TCr	85TCr	1,03500Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	17TCr	11TCr	11TCr	13TCr	14TCr
Accrued Interest Payable	524.41Cr	512.13Cr	332.79Cr	473.15Cr	757.4Cr
Other Current Liabilities - (Bank / Utility Template)	156.87Cr	272.01Cr	262.55Cr	654.72Cr	722.02Cr
Other Non Current Liabilities	2.92TCr	2.89TCr	2.93TCr	2.95TCr	4.48TCr
Total Liabilities	78TCr	88TCr	94TCr	1,02300Cr	1,23600Cr
Common Stock, Total	508.7Cr	598.02Cr	599.51Cr	599.57Cr	605.1Cr
Additional Paid In Capital	7.36TCr	8.84TCr	8.86TCr	8.86TCr	8.95TCr
Retained Earnings	2.63TCr	3.1TCr	2.89TCr	3.8TCr	4.96TCr
Comprehensive Income and Other	72Cr	127.49Cr	181.82Cr	267.34Cr	322.29Cr
Total Common Equity	11TCr	13TCr	13TCr	14TCr	15TCr
Minority Interest	-	-	-	-	-
Total Equity	11TCr	13TCr	13TCr	14TCr	15TCr
Total Liabilities And Equity	89TCr	1,00600Cr	1,06200Cr	1,15800Cr	1,38500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	51Cr	60Cr	60Cr	60Cr	61Cr
ECS Total Common Shares Outstanding	51Cr	60Cr	60Cr	60Cr	61Cr
Book Value / Share	207.69	211.8	209.01	225.59	245.21
Tangible Book Value	11TCr	13TCr	12TCr	13TCr	15TCr
Tangible Book Value Per Share	206.89	211.12	208.33	224.91	244.53
Total Debt	17TCr	11TCr	11TCr	13TCr	14TCr
Deposits at Interest - Cash	6.01TCr	9.97TCr	13TCr	3.82TCr	8.9TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	63Cr	17Cr	53Cr	54Cr	28Cr
Net Debt	15TCr	6.19TCr	6.36TCr	11TCr	12TCr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	14.19T	17T	18.01T	18.99T	22.56T
Number Of Offices	649	689	791	832	861

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	500.18Cr	529.47Cr	-166.15Cr	919.54Cr	1.26TCr
Depreciation, Depletion & Amortization	145.87Cr	92Cr	90Cr	106.55Cr	116.18Cr
Total Depreciation, Depletion & Amortization	145.87Cr	92Cr	90Cr	106.55Cr	116.18Cr
Amortization of Deferred Charges, Total	-	78Cr	90Cr	106.54Cr	118.34Cr
(Gain) Loss On Sale of Asset - (CF)	-1L	1.76Cr	30.11L	37.92L	-47.97L
(Gain) Loss on Sale of Investments - (CF)	-14Cr	17Cr	43Cr	60Cr	108.09Cr
Provision for Credit Losses	1.97TCr	2.38TCr	3.16TCr	1.25TCr	2.01TCr
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	29.99L	21.83L	9.92Cr	67Cr	60Cr
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-7.2TCr	-11TCr	-2.53TCr	-20TCr	-17TCr
Other Operating Activities	-28Cr	-173.97Cr	-194.3Cr	131.08Cr	-102.55Cr
Cash from Operations	-4.63TCr	-7.61TCr	497.18Cr	-17TCr	-14TCr
Capital Expenditure	-226.82Cr	-178.97Cr	-270.8Cr	-244.33Cr	-203.64Cr
Sale of Property, Plant, and Equipment	4.03Cr	4.79Cr	6.77Cr	11Cr	10Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-222.79Cr	-174.18Cr	-264.03Cr	-233.55Cr	-193.46Cr
Long-Term Debt Issued, Total	5.17TCr	-	-	2.23TCr	853.51Cr
Total Debt Issued	5.17TCr	-	-	2.23TCr	853.51Cr
Long-Term Debt Repaid, Total	-	-5.78TCr	-128.38Cr	-	-
Total Debt Repaid	-	-5.78TCr	-128.38Cr	-	-
Issuance of Common Stock	2.75TCr	1.57TCr	19Cr	70.68L	79Cr
Common Dividends Paid	-191.79Cr	-	-	-	-90Cr
Common & Preferred Stock Dividends Paid	-191.79Cr	-	-	-	-90Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-545.62Cr	15TCr	5.95TCr	5.87TCr	19TCr
Other Financing Activities, Total	-39Cr	-	-	-	-
Cash from Financing	7.15TCr	11TCr	5.84TCr	8.1TCr	19TCr
Net Change in Cash	2.3TCr	3.25TCr	6.08TCr	-9.03TCr	5.6TCr
Supplemental Items
Cash Interest Paid	-	2.89Cr	2.51Cr	59L	61L
Cash Income Tax Paid (Refund)	368.33Cr	355.44Cr	163.88Cr	232.99Cr	197.4Cr
Net Debt Issued / Repaid	5.17TCr	-5.78TCr	-128.38Cr	2.23TCr	853.51Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.59	0.56	-0.16	0.83	0.99
Return On Equity %	5.53	4.56	-1.32	7.06	8.88
Return on Common Equity	5.53	4.56	-1.32	7.06	8.88
Shareholders Value Added	-585.8Cr	-864.4Cr	-1.68TCr	-643.82Cr	-441.89Cr
Margin Analysis
SG&A Margin	39.67	46	57.52	40.81	39.31
Net Interest Income / Total Revenues %	102.12	109.34	113.44	76.64	82.51
EBT Excl. Non-Recurring Items Margin %	19.6	18.82	-5.45	19.21	18.41
Income From Continuing Operations Margin %	13.12	14	-4.39	14.47	17.2
Net Income Margin %	13.12	14	-4.39	14.47	17.2
Net Avail. For Common Margin %	13.12	14	-4.39	14.47	17.2
Normalized Net Income Margin	12.25	11.76	-3.41	12.01	11.51
Asset quality
Nonperforming Loans / Total Loans %	3.68	4.44	4.55	3.45	2.7
Nonperforming Loans / Total Assets %	2.4	2.59	2.57	2.09	1.64
Nonperforming Assets / Total Assets %	2.4	2.59	2.57	2.09	1.64
NPAs / Loans and OREO	3.68	4.43	4.54	3.45	2.7
NPAs / Equity	20.22	20.54	21.77	17.89	15.31
Provision for Loan Losses / Net Charge-offs %	184.22	158.39	147.17	72.4	130.11
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.69	12.25	12.19	11.74	11.16
Total Average Equity / Total Average Assets %	10.69	12.25	12.19	11.74	11.16
Total Equity + Allowance for Loan Losses / Total Loans %	18.21	21.61	20.88	19.27	17.67
Gross Loans / Total Deposits %	100.33	80.24	75.95	82.69	81.17
Net Loans / Total Deposits %	100.33	80.24	75.95	82.69	81.17
Tier 1 Capital Ratio %	15.33	16.64	16.21	15.25	14.38
Total Capital Ratio %	16.45	17.5	16.82	16.92	16.18
Core Tier 1 Capital Ratio	15.33	16.64	16.21	15.25	14.38
Tier 2 Capital Ratio	1.12	0.86	0.62	1.67	1.8
Interbank Ratio	14.58	23.89	32	26.27	12.75
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.15	1.16	0.95	1.26	1.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	53.22	6.23	3.87	13.37	20.92
Non Interest Income, 1 Yr. Growth %	33.11	6.8	25.44	6.61	22.06
Provision For Loan Losses, 1 Yr. Growth %	211.99	22.44	28.39	-64.27	74.03
Total Revenues, 1 Yr. Growth %	14.11	-1.75	0.12	67.8	12.99
Earnings From Cont. Operations, 1 Yr. Growth %	-41.93	5.85	-131.38	-653.45	37.01
Net Income, 1 Yr. Growth %	-41.69	5.85	-131.38	-653.45	37.01
Normalized Net Income, 1 Yr. Growth %	-42.16	-4.73	-129	-691.33	10.45
Diluted EPS Before Extra, 1 Yr. Growth %	-44.63	-11.84	-128.66	-650.47	34.51
Dividend Per Share, 1 Yr. Growth %	-44.44	-	-	-	0
Gross Loans, 1 Yr. Growth %	6.81	1.06	2.36	16.97	19.66
Net Loans, 1 Yr. Growth %	6.81	1.06	2.36	16.97	19.66
Non Performing Loans, 1 Yr. Growth %	183.12	21.76	4.88	-11.31	-6.15
Non Performing Assets, 1 Yr. Growth %	183.12	21.76	4.88	-11.31	-6.15
Total Assets, 1 Yr. Growth %	10.68	13.08	5.51	9.08	19.56
Total Deposits, 1 Yr Growth %	-0.94	26.37	8.15	7.43	21.91
Tangible Book Value, 1 Yr. Growth %	40.43	19.97	-1.08	7.97	9.73
Common Equity, 1 Yr. Growth %	40.22	19.89	-1.07	7.94	9.7
Total Equity, 1 Yr. Growth %	40.22	19.89	-1.07	7.94	9.7
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	46.25	27.58	5.04	8.52	18.6
Non Interest Income, 2 Yr. CAGR %	33.96	19.23	10.72	15.64	14.07
Provision For Loan Losses, 2 Yr. CAGR %	133.23	93.62	20.76	-32.27	-21.15
Total Revenues, 2 Yr. CAGR %	22.96	6.4	-0.82	29.62	39.07
Earnings From Cont. Operations, 2 Yr. CAGR %	-11.13	-21.6	-42.37	31.79	175.37
Net Income, 2 Yr. CAGR %	-11.01	-21.44	-42.37	31.79	175.37
Normalized Net Income, 2 Yr. CAGR %	-12.01	-25.77	-47.43	30.96	155.56
Diluted EPS Before Extra, 2 Yr. CAGR %	-14.7	-30.13	-49.74	25.6	172.11
Dividend Per Share, 2 Yr. CAGR %	-15.48	-	-	-	-
Gross Loans, 2 Yr. CAGR %	20.02	3.9	1.71	9.42	18.31
Net Loans, 2 Yr. CAGR %	20.02	3.9	1.71	9.42	18.31
Non Performing Loans, 2 Yr. CAGR %	94.16	85.67	13.01	-3.55	-8.77
Non Performing Assets, 2 Yr. CAGR %	94.16	85.67	13.01	-3.55	-8.77
Total Assets, 2 Yr. CAGR %	19.92	11.87	9.23	7.28	14.2
Total Deposits, 2 Yr CAGR %	14.78	11.89	16.9	7.79	14.44
Tangible Book Value, 2 Yr. CAGR %	25.69	29.8	8.94	3.35	8.84
Common Equity, 2 Yr. CAGR %	25.76	29.65	8.91	3.34	8.82
Total Equity, 2 Yr. CAGR %	25.58	29.65	8.91	3.34	8.82
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	47.18	31.46	19.13	7.75	13.47
Non Interest Income, 3 Yr. CAGR %	36.42	24.22	17.73	9.34	17.74
Provision For Loan Losses, 3 Yr. CAGR %	103	86.97	64.66	-19.53	-7.24
Total Revenues, 3 Yr. CAGR %	29.94	14.47	4.26	18.18	24.64
Earnings From Cont. Operations, 3 Yr. CAGR %	3.83	-5.79	-42.22	22.5	33.51
Net Income, 3 Yr. CAGR %	3.83	-5.71	-42.14	22.5	33.51
Normalized Net Income, 3 Yr. CAGR %	3.08	-9.65	-45.73	17.78	23.73
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.43	-13.76	-48.09	11.62	28.5
Dividend Per Share, 3 Yr. CAGR %	-5.9	-	-	0	-
Gross Loans, 3 Yr. CAGR %	25.35	13.34	3.38	6.56	12.73
Net Loans, 3 Yr. CAGR %	25.35	13.34	3.38	6.56	12.73
Non Performing Loans, 3 Yr. CAGR %	81.58	66.19	53.48	4.24	-4.43
Non Performing Assets, 3 Yr. CAGR %	81.58	66.19	53.48	4.24	-4.43
Total Assets, 3 Yr. CAGR %	22.27	17.59	9.71	9.18	11.23
Total Deposits, 3 Yr CAGR %	18.68	18.52	10.63	13.65	12.3
Tangible Book Value, 3 Yr. CAGR %	34.39	23.75	18.56	8.61	5.43
Common Equity, 3 Yr. CAGR %	34.56	23.77	18.48	8.58	5.42
Total Equity, 3 Yr. CAGR %	34.56	23.65	18.48	8.58	5.42
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	47.57	38.24	28.61	21.75	18.92
Non Interest Income, 5 Yr. CAGR %	36.59	33.09	25.5	18.59	16.25
Provision For Loan Losses, 5 Yr. CAGR %	101.5	83.83	64.3	22.7	22.65
Total Revenues, 5 Yr. CAGR %	33.49	25.91	16.86	20.31	17
Earnings From Cont. Operations, 5 Yr. CAGR %	19.28	12.6	-17.95	7.74	7.9
Net Income, 5 Yr. CAGR %	19.28	12.6	-17.95	7.8	7.99
Normalized Net Income, 5 Yr. CAGR %	20.03	10.72	-21.26	4.81	0.86
Diluted EPS Before Extra, 5 Yr. CAGR %	9.42	0.52	-25.17	0.24	0.71
Dividend Per Share, 5 Yr. CAGR %	4.56	-	-	-6.51	-11.09
Gross Loans, 5 Yr. CAGR %	32.04	22.53	15.3	11.75	9.11
Net Loans, 5 Yr. CAGR %	32.04	22.53	15.3	11.75	9.11
Non Performing Loans, 5 Yr. CAGR %	80.59	65.73	50.21	33.68	24.65
Non Performing Assets, 5 Yr. CAGR %	80.59	65.73	50.21	33.68	24.65
Total Assets, 5 Yr. CAGR %	26.84	20.77	16.88	13.35	11.48
Total Deposits, 5 Yr CAGR %	27.59	24.58	17.96	14.1	12.14
Tangible Book Value, 5 Yr. CAGR %	36.38	33.39	23.56	15.15	14.57
Common Equity, 5 Yr. CAGR %	36.49	33.48	23.64	15.15	14.51
Total Equity, 5 Yr. CAGR %	36.49	33.48	23.64	15.09	14.51