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RBL Bank Ltd.   (BSE: RBLBANK)

NSE   0.00  
OPEN PRICE(₹)
0.00
HIGH PRICE(₹)
0.00
LOW PRICE(₹)
0.00
CLOSE PRICE(₹)
0.00
VOLUME
0.00
52 WK LOW (₹)
156.1 (24-09-2020)
52 WK HIGH (₹)
274.3 (08-01-2021)
BSE   183.85  
OPEN PRICE₹)
187
HIGH PRICE(₹)
187.65
LOW PRICE (₹)
183.25
CLOSE PRICE(₹)
183.85
VOLUME
430466
VALUE
79141200
BID QTY
937
OFFER QTY
802

Stock Summary

Trade Value (₹ in Lacs) : 2147.48 MCap (₹ in Mn) : 128521.17 Dividend Yield(%) : 0.7 Price/Earning (TTM) : 27.36
TTM EPS (₹) : 0 Price/Sales (TTM) : 0 P/E Ratio : 0 Price/Book (MRQ) : 1.03
Book Value(₹) : 0 Face Value(₹) : 0 Latest Reserve (₹ in Mn): 118399.25 EPSc : 9.94
PE : 21.63 TTMNP : 4696.9 TTMTAX : 1587 TTMINTEREST : 47608.1
TTMDEPRECIATION : 0 TTMNetSales : 86778.1 EV_Sales : 2.7 EV (in Mn) : 234437.72
TTMEBITDA : 29064.9 EV_EBITDA : 8.07 TTMCashProfit : 4696.9 TTMCEPS : 7.86
Price_CEPS : 27.36 TTMNPAEX : 4696.9

Peer Group Compare

Comp. Name Price M.Cap Div Yld % P/E Ratio Price/Earning (TTM) TTM EPS (₹)
HDFC Bank Ltd. (BSE)

1434.45 ( 0.82%)

754869.65 0.18 0 25.28 54.2
ICICI Bank Ltd. (BSE)

690.05 ( 1.25%)

364662.84 0 0 29.85 17.7
Kotak Mahindra Bank Ltd. (BSE)

1686.7 ( 1.33%)

341225.29 0 0.01 52.1 33.06
Axis Bank Ltd. (BSE)

738.5 ( 2.43%)

205395.88 0 0 81.39 8.24
IndusInd Bank Ltd. (BSE)

1021.45 ( 3.39%)

60781.46 0 0 22.43 35.78

Management Info

Chairman : Prakash Chandra
Managing Director : Vishwavir Ahuja
Company Secretory : Niti Arya
Incorporation Year : 1943

Registered Office

Address : 1st Lane
Shahupuri

City-Pincode : Kolhapur-416001
Phone : 0231 2656831 / 2653006
Website : www.rblbank.com
Email : customercare@rblbank.com

Registrars Details

Registrars Details : Link Intime India Pvt Ltd.
Address : C 101, 247 Park, LBS Marg, Vikhroli (W), Mumbai(Old Address:) C-13 Pannalal Silk Compound, L B S Marg, Bhandup Mumbai Maharashtra
Listing : BSE, NSE

Balance Sheet

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017
SOURCES OF FUNDS:
Share Capital 5086.99 4267.1 4196.68 3752.03
  Equity - Authorised 7000 7000 7000 4000
  Equity - Issued 5086.99 4267.1 4196.68 3752.03
 Equity Paid Up 5086.99 4267.1 4196.68 3752.03
  Equity Shares Forfeited 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0 0 0 0
  Face Value 0.01 0.01 0.01 0.01
Share Warrants & Outstandings 0.00 0.00 0.00 0.00
Total Reserves 100558.19 71079.72 62608.89 39611.34
  Securities Premium 73573.96 46851.77 45892 28383.8
  Capital Reserves 632.57 342.57 252.57 158.67
  Profit & Loss Account Balances 365.13 1580.41 1115.62 888.14
  General Reserves 0.00 0.00 0.00 0.00
Reserve excluding Revaluation Reserve 100549.29 71070.57 62599.49 39601.67
Revaluation Reserves 8.91 9.15 9.4 9.67
Deposits 578120.14 583576.32 438831.02 345880.91
  Demand Deposits 75087.9 63059.33 53339.8 37540.83
  Savings Deposit 96065.57 82447.59 53394.74 38486.45
  Term Deposits / Fixed Deposits 406966.67 438069.41 332096.48 269853.63
  Current Deposits 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00
Borrowings 170069.13 118320.65 92614.4 79797.57
  Borrowings From Reserve Bank of India 8900 0.00 5000 0.00
  Borrowings From Other Banks 13327.24 14877.5 12974.44 12442.96
  Borrowings From GOI 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 82429.42 53155.74 40201.67 45470.76
  Borrowings in the form of Bonds / Debentures 7300 7300 7300 7300
  Borrowings in Other Form 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 35996.07 26733.02 20333.57 17713.47
  Bills Payable 1568.75 1994.25 2379.44 2534.24
  Inter-office adjustment Liabilities 0.00 0.00 0.00 0.00
  Interest Accrued 5244.07 4719.85 3496.02 2892.38
  Proposed Dividend 0.00 0.00 0.00 0.00
  Corporate dividend tax payable 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0.00 0.00 0.00 0.00
Total Liabilities 889834.6 803977.9 618772.72 486755.33
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 64156.69 48400.47 25894.62 29479.29
  Cash with RBI 61749.39 46866.66 23740.7 14330.96
  Cash in hand & others 2407.3 1533.8 2153.92 15148.33
Balances with banks and money at call 24429.03 18086.65 17206.93 12457.2
Investments 180545.49 167451.75 153970.44 134824.7
Investments in India 180541.19 167447.35 153968.5 134823.04
  GOI/State Govt. Securities 156370.86 119426.98 113219.58 98012.18
  Equity Shares - Corporate 1175.32 1044.85 1170.29 882
  Debentures & Bonds 14809.13 14035.28 19787.31 20026.97
  Subsidiaries and/or joint ventures/Associates 0.00 0.00 0.00 212.67
  Units - MF/ Insurance/CP/PTC 6718.73 31866.53 18701.8 14780.02
Investments outside India 4.3 4.4 1.94 1.66
  Government securitiesC 0.00 0.00 0.00 0.00
  Subsidiaries and/or joint ventures abroad 0.00 0.00 0.00 0.00
  Other investments outside India 4.3 4.4 1.94 1.66
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00
Advances 580055.74 543082.43 402678.39 294490.38
  Bills Purchased & Discounted 10208.76 13372.98 11163.91 5366.99
  Cash Credit, Over Draft & Loans repayable 188933.9 151928.88 99235.74 72361.01
  Term Loans 380913.08 377780.57 292278.74 216762.39
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00
Gross block 9633.51 7730.16 6022.11 4257.47
  Premises 519.29 505.82 75.24 75.24
  Assets Given on Lease 0.00 0.00 0.00 0.00
  Other Fixed Assets 9114.21 7224.33 5946.87 4182.22
Less: Accumulated Depreciation 5333.52 3974.5 2938.57 2015.85
Net Block 4299.99 3755.66 3083.54 2241.62
Less: Impairment of Assets 0.00 0.00 0.00 0.00
Lease Adjustment 0.00 0.00 0.00 0.00
Capital Work in Progress 624.21 399.4 312.89 345.47
Other Assets 35723.46 22801.54 15625.91 12916.67
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00
  Interest Accrued Assets 7343.51 6085.51 4461.32 3897
  Tax paid in advance/TDS 727.83 452.12 133.91 0.00
  Stationery and stamps 1.15 1.11 3.88 5.78
  Non-banking assets acquired 400.42 400.42 591.25 0.00
  Deferred tax asset 2758.24 2094.91 1395.72 885.84
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00
Total Assets 889834.6 803977.9 618772.72 486755.33
Contingent Liabilities 736579.67 613025.9 513959.26 419044.62
  Claims not acknowledged as debts 583.71 827.05 478.14 77.58
  Outstanding forward exchange contracts 370809.74 265864.51 220642.56 172802.9
  Guarantees given in India 90160.18 101071.6 66753.74 48169.57
  Guarantees given Outside India 21169.75 16578.89 29792.26 27312.26
  Acceptances, endorsements & other obligations 49258.3 54096.62 28386.48 17503.29
Bills for collection 23873.81 23089.44 14181.93 8227.08
Book Value 0.21 0.18 0.16 0.12
Adjusted Book Value 0.21 0.18 0.16 0.12
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 5086.99 4267.1 4196.68 3752.03 3247.28
  Equity - Authorised 7000 7000 7000 4000 4000
  Equity - Issued 5086.99 4267.1 4196.68 3752.03 3247.28
 Equity Paid Up 5086.99 4267.1 4196.68 3752.03 3247.28
  Equity Shares Forfeited 0.00 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0.00 0.00 0.00 0.00 0.00
  Face Value 0.01 0.01 0.01 0.01 0.01
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 100000 71205.02 62643.05 39603.72 26645.04
  Securities Premium 73573.97 46851.77 45892 28383.8 19885.29
  Capital Reserves 632.57 342.57 252.57 158.67 155.57
  Profit & Loss Account Balances 545.34 1705.7 1149.78 880.53 39.17
  General Reserves 0 0 0 0 0
Reserve excluding Revaluation Reserve 100000 71195.87 62633.65 39594.06 26635.1
Revaluation Reserves 8.9 9.15 9.4 9.67 9.95
Deposits 578122.24 583944.16 439022.64 345880.91 243486.51
  Demand Deposits 75089.99 63427.16 53387.79 37540.83 27796.35
  Savings Deposit 96065.57 82447.59 53394.74 38486.45 17582.12
  Term Deposits / Fixed Deposits 406966.67 438069.41 332240.12 269853.63 198108.04
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 170067.32 118320.65 92614.4 79797.57 105362.24
  Borrowings From Reserve Bank of India 8900 0.00 5000 0.00 34170
  Borrowings From Other Banks 13325.44 14877.5 12974.44 12442.96 16550.24
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 82429.42 53155.74 40201.67 45470.76 43409.75
  Borrowings in the form of Bonds / Debentures 7300 7300 7300 7300 4000
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 35758.65 25850.18 20030.79 17713.47 12869.78
  Bills Payable 1568.75 1994.25 2379.44 2534.24 716.51
  Inter-office adjustment Liabilities 0.00 0.00 0.00 0.00 0.00
  Interest Accrued 5244.07 4719.84 3497.3 2892.38 2202.63
  Proposed Dividend 0.00 0.00 0.00 0.00 0.00
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0 0 0 0 0
Total Liabilities 100000 100000 100000 100000 100000
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 64150.78 48395.18 25893.34 29479.29 13397.46
  Cash with RBI 61749.39 46866.67 23740.7 14330.96 12036.55
  Cash in hand & others 2401.39 1528.52 2152.64 15148.33 1360.91
Balances with banks and money at call 24421.04 17625.95 16951.08 12457.2 11101.75
Investments 100000 100000 100000 100000 100000
Investments in India 181493.05 168399.21 154473.05 134815.42 144358.53
  GOI/State Govt. Securities 156370.86 119426.98 113219.58 98012.18 102819.96
  Equity Shares - Corporate 1174.82 1044.35 1169.79 1087.05 171.25
  Debentures & Bonds 14809.13 14035.28 19787.31 20026.97 16914.54
  Subsidiaries and/or joint ventures/Associates 952.36 952.36 505.05 0.00 0.00
  Units - MF/ Insurance/CP/PTC 6718.73 31866.53 18701.8 14780.02 23624.68
Investments outside India 4.3 4.4 1.94 1.66 1.81
  Government securitiesC 0.00 0.00 0.00 0.00 0.00
  Subsidiaries and/or joint ventures abroad 0.00 0.00 0.00 0.00 0.00
  Other investments outside India 4.3 4.4 1.94 1.66 1.81
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 580190.49 543082.43 402678.39 294490.38 212290.83
  Bills Purchased & Discounted 10208.76 13372.98 11163.91 5366.99 6465.81
  Cash Credit, Over Draft & Loans repayable 189068.65 151928.88 99235.74 72361.01 54601.14
  Term Loans 380913.08 377780.57 292278.74 216762.39 151223.88
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 9221.53 7484.38 5889.26 4257.47 3020.46
  Premises 519.29 505.82 75.24 75.24 79
  Assets Given on Lease 0.00 0.00 0.00 0.00 0.00
  Other Fixed Assets 8702.24 6978.56 5814.02 4182.22 2941.46
Less: Accumulated Depreciation 5144.83 3858.99 2862.14 2015.85 1438.03
Net Block 4076.7 3625.39 3027.12 2241.62 1582.44
Less: Impairment of Assets 0 0 0 0 0
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 620.91 399.4 312.89 345.47 190.53
Other Assets 34820.41 22056.23 15169.74 12916.67 8687.51
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00 0.00
  Interest Accrued Assets 7343.39 6084.35 4459.53 3897 3238.62
  Tax paid in advance/TDS 324.83 210.59 62.37 0.00 254.64
  Stationery and stamps 1.15 1.11 3.88 5.78 4.52
  Non-banking assets acquired 400.42 400.42 591.25 0.00 0.00
  Deferred tax asset 2758.24 2094.91 1353.01 885.84 243.84
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 100000 100000 100000 100000 100000
Contingent Liabilities 100000 100000 100000 100000 100000
  Claims not acknowledged as debts 583.71 827.05 478.14 77.58 97.88
  Outstanding forward exchange contracts 370809.74 265864.51 220642.56 172802.9 91651.86
  Guarantees given in India 90160.18 101071.6 66753.74 48169.57 32469.28
  Guarantees given Outside India 21169.75 16578.89 29792.26 27312.26 17186.46
  Acceptances, endorsements & other obligations 49258.3 54096.62 28386.48 17503.29 12948.15
Bills for collection 23873.81 23089.44 14181.93 8227.08 7723.23
Book Value 0.21 0.18 0.16 0.12 0.09
Adjusted Book Value 0.21 0.18 0.16 0.12 0.09

Quarterly Results

Particulars Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 21635.90 23217.30 22811.70 22237.80
Income On Investments 3346.70 3328.90 3386.90 3547.20
Interest On Balances With Rbi Other Inter Bank Funds 870.20 963.00 576.90 355.10
Interest / Discount On Advances / Bills 17319.4 18858.2 18794.4 18278.8
Others 99.6 67.2 53.5 56.7
Other Income 4503 3331.5 5016 4896.3
Total Income 26138.9 26548.8 27827.7 27134.1
Interest Expended 11446.3 11935.5 11872.5 12346.8
Operating Expenses 7412.6 7583.8 8301.8 7500.5
Total Expenditure 7412.6 7583.8 8301.8 7500.5
Operating Profit Before Provisions and Contingencies 7280 7029.5 7653.4 7286.8
Exceptional Items 0 0 0 0
Provisions and contingencies 5255.7 5001.6 6140.8 6382.9
Profit Before Tax 2024.3 2027.9 1512.6 903.9
Tax 500 483.7 364.1 239
Profit After Tax 1524.3 1544.2 1148.5 664.9
+/- Extraordinary Items 0 0 0 0
+/- Prior period items 0 0 0 0
Net Profit 1524.3 1544.2 1148.5 664.9
Minority Interest 0 0 0 0
Shares of Associates 0 0 0 0
Other related items 0 0 0 0
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 1524.3 1544.2 1148.5 664.9
Equity Capital 1524.3 1544.2 1148.5 664.9
Face Value (IN RS) 10 10 10 10
Reserves 0 0 0 0
% of Shares held by Govt 0 0 0 0
Capital Adequacy Ratio 16.09 16.14 16.45 15.66
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 7757.7 9326.8 11893.7 12364.1
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 1.38 1.65 2.05 2.07
% of Gross NPAs 3.34 3.45 3.62 3.33
Return on Assets 0 0 0 0
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 3 3.04 2.26 1.49
Basic Eps Before Extraordinary Items 3 3.04 2.26 1.49
PBIDTM% 62.26 30.28 58.68 32.77
PBDTM% 9.36 8.73 6.63 4.06
PBTM% 9.36 8.73 6.63 4.06
PATM% 7.05 6.65 5.03 2.99
Particulars Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 20772.6 22349.9 22082.3 21573.3
Income On Investments 3346.7 3328.9 3386.9 3547.2
Interest On Balances With Rbi Other Inter Bank Funds 870.2 963 576.9 355.1
Interest / Discount On Advances / Bills 16470.9 17990.9 18065.1 17614.4
Others 84.8 67.1 53.4 56.6
Other Income 4562.1 3333.3 5005.4 4869.7
Total Income 25334.7 25683.2 27087.7 26443
Interest Expended 9999.9 9999.9 9999.9 9999.9
Operating Expenses 6685.2 6849.1 7566.8 6774.5
Total Expenditure 6685.2 6849.1 7566.8 6774.5
Operating Profit Before Provisions and Contingencies 7197.6 6897.2 7648.4 7321.7
Exceptional Items 0 0 0 0
Provisions and contingencies 5255.7 5001.6 6140.8 6382.9
Profit Before Tax 1941.9 1895.6 1507.6 938.8
Tax 500.3 483.4 364 239.3
Profit After Tax 1441.6 1412.2 1143.6 699.5
+/- Extraordinary Items 0.00 0.00 0.00 0.00
+/- Prior period items 0.00 0.00 0.00 0.00
Net Profit 1441.6 1412.2 1143.6 699.5
Minority Interest 0.00 0.00 0.00 0.00
Shares of Associates 0.00 0.00 0.00 0.00
Other related items 0.00 0.00 0.00 0.00
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 1441.6 1412.2 1143.6 699.5
Equity Capital 1441.6 1412.2 1143.6 699.5
Face Value (IN RS) 10 10 10 10
Reserves 0 0 0 0
% of Shares held by Govt 0.00 0.00 0.00 0.00
Capital Adequacy Ratio 16.09 16.14 16.45 15.66
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 7757.7 9326.8 11893.7 12364.1
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 1.38 1.65 2.05 2.07
% of Gross NPAs 3.34 3.45 3.62 3.33
Return on Assets 0.00 0.00 0.00 0.00
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 2.83 2.78 2.25 1.56
Basic Eps Before Extraordinary Items 2.83 2.78 2.25 1.56
PBIDTM% 64.48 61.89 60.59 33.94
PBDTM% 9.35 8.48 6.83 4.35
PBTM% 9.35 8.48 6.83 4.35
PATM% 6.94 6.32 5.18 3.24

Profit-Loss

-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017
I. INCOME
Interest Earned 87786.55 63020.85 45614.83 37131.59
     Interest / Discount on advances / Bills 71708.56 50498.27 34843.61 26394.02
     Interest on balances with RBI and other Inter-bank funds 1914.24 1112.39 701.49 854.9
     Income on investments 13726.89 10934.45 9981.69 9814.68
     Others 436.86 475.75 88.05 67.98
Other Income
     Commission,exchange and brokerage 15304.2 11656.13 7234.67 4912.49
     Profit / (loss)on sale of investments(net) 1595.3 783.55 1665.4 1189.11
     Profit on sale of Fixed Assets 0.14 -0.03 0.84 7.67
     Foreign Exchange Gains 1612.31 1634.52 1511.16 1238.11
     Income earned from subsidiaries/joint venture 0 0 0 0
     Rent / Lease Income
     Provisions Written Back 0 0 0 0
     Miscellaneous income -57541110 -43229373 -32064369 -22663881
Total Income 106966.92 77430.64 56302.95 44686.21
II. EXPENDITURE
Interest Expended 48847.38 37606.48 27409.02 24918.24
     Intereston Deposits 40082.51 32434.9 23405.91 19608
     Interest on RBI / inter-bank borrowings 1804.48 1811.62 840.85 1333.21
     Other Interest 6960.4 3359.96 3162.27 3977.04
Operating Expenses 30657.54 20439 15480.89 10563.87
     Payments to and provisions for employees 9675.03 7523.07 5818.25 4461.39
     Rent,Taxes and lighting 1885.49 1537.07 1224.14 957.55
     Depreciation on Banks property 1458.69 1258.14 887.38 615.05
     Depreciation on leased assets
     Auditor's fees and expenses 25.36 17.03 9.07 5.52
     Law charges 131.3 135.75 67.91 62.9
     Communication Expenses 324.62 270.8 212.11 130.03
     Repairs and Maintenance 361.86 373.47 63.03 37.39
     Insurance 764.41 628.54 458.78 319.14
     Other expenses 16030.78 8695.11 6740.22 3974.9
Provisions and Contingencies 19988.48 6406.82 3674.76 2389.24
     Provision for investments -136.2 532 424.6 352.2
     Provision for advances 19652 5233.8 2570.9 1974.6
     Others Provisions 472.68 641.02 679.26 62.44
Profit Before Tax 108765.55 66669.98 48049.58 32721.09
Taxes 2471.7 4364.7 3346.3 2354.4
     Current Income Tax 3207.8 5006 3781.8 2381.6
     Deferred Tax -736.1 -641.3 -435.5 -27.2
     Other taxes 0 0 0 0
Profit After Tax 5001.82 8613.65 6391.99 4460.46
Extra items
Minority Interest -35.27 -16.24
Share of Associate -59.02 7.62
Other Consolidated Items
Consolidated Net Profit 5001.82 8578.38 6316.72 4468.07
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 1270 2170 1588 1116
     Appropriation to General Reserve
     Appropriation to Revenue Reserve 1750 4000 3600 2500
     Appropriation to Other Reserves
     Equity Dividend 1917.88 887.55 829.36
     Corporate dividend tax 394.22 182.44
     Other appropriations 1250.13 2454.01 1187.51 891.24
Equity Dividend % 15.00 27.00 21.00 18.00
Earnings Per Share 9.8326 20.1035 15.0517 11.9084
Adjusted EPS 9.8326 20.1035 15.0517 11.9084
-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 85143.77 63007.09 45075.66 37131.59 27443.07
     Interest / Discount on advances / Bills 69067.98 50498.27 34308.98 26394.02 19528.03
     Interest on balances with RBI and other Inter-bank funds 1914.24 1112.39 701.49 854.9 398.37
     Income on investments 13726.89 10934.45 9981.69 9814.68 7453.79
     Others 434.66 461.99 83.51 67.98 62.88
Other Income
     Commission,exchange and brokerage 15231.33 11656.05 7225.91 4912.49 3440.26
     Profit / (loss)on sale of investments(net) 1595.3 783.55 1665.4 1189.11 598.6
     Profit on sale of Fixed Assets 0.4 -0.03 0.85 7.67 8.15
     Foreign Exchange Gains 1612.31 1634.52 1511.16 1238.11 797.67
     Income earned from subsidiaries/joint venture 0 0 0 0 0
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -76409984 -57694648 -42727536 -30218508 -19621708
Total Income 100000 77430.75 55757.54 44686.21 32348.5
II. EXPENDITURE
Interest Expended 48847.38 37612.28 27412.81 24918.24 19251
     Intereston Deposits 40082.51 32440.69 23409.7 19608 15070.89
     Interest on RBI / inter-bank borrowings 1804.48 1811.62 840.85 1333.21 1228.41
     Other Interest 6960.4 3359.96 3162.27 3977.04 2951.7
Operating Expenses 27882.53 20420.16 15034.08 10563.87 7673.37
     Payments to and provisions for employees 7684.35 6361.78 5506.77 4461.39 3699.21
     Rent,Taxes and lighting 1739.21 1437.25 1197.24 957.55 828.77
     Depreciation on Banks property 1383.01 1219.06 869.56 615.05 483.57
     Depreciation on leased assets
     Auditor's fees and expenses 21.6 14.3 8.67 5.52 7.67
     Law charges 127.16 99.37 66.96 62.9 48.99
     Communication Expenses 303.75 249.48 203.61 130.03 95.39
     Repairs and Maintenance 357.25 369.9 63 37.39 65.04
     Insurance 758.32 625.65 458.11 319.14 209.12
     Other expenses 15507.89 10043.39 6660.17 3974.9 2235.6
Provisions and Contingencies 19988.52 6406.81 3645.17 2389.24 1144.08
     Provision for investments -136.2 532 424.7 352.2 131.6
     Provision for advances 19652 5233.8 2995.3 1974.6 1038.6
     Others Provisions 472.72 641.01 225.17 62.44 -26.12
Profit Before Tax 99023.67 66645.44 47023.98 32721.09 21914.95
Taxes 2471.1 4322 3314.6 2354.4 1355.2
     Current Income Tax 3207.2 5006 3781.8 2381.6 1575.4
     Deferred Tax -736.1 -684 -467.2 -27.2 -220.2
     Other taxes 0 0 0 0 0
Profit After Tax 5056.74 8669.51 6350.88 4460.46 2924.85
Extra items
Minority Interest
Share of Associate
Other Consolidated Items
Consolidated Net Profit 5056.74 8669.51 6350.88 4460.46 2924.85
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 1270 2170 1588 1116 732
     Appropriation to General Reserve
     Appropriation to Revenue Reserve 1750 4000 3600 2500 1600
     Appropriation to Other Reserves 0 0 0 0 0
     Equity Dividend 1917.88 887.55 682.75
     Corporate dividend tax 394.22 182.44 138.99 99.26
     Other appropriations 1430.34 2579.3 1221.67 883.63 536.75
Equity Dividend % 15 27 21 18 15
Earnings Per Share 9.94 20.32 15.13 11.89 9.01
Adjusted EPS 9.94 20.32 15.13 11.89 9.01

Financial Ratios

Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017
Operational & Financial Ratios
Earnings Per Share (Rs) 9.83 20.1 15.05 11.91
DPS(Rs) 1.5 2.7 2.1 1.8
Book NAV/Share(Rs) 207.66 176.55 159.16 115.55
Margin Ratios
Yield on Advances 15.13 11.6 11.33 12.61
Yield on Investments 8.49 7 7.56 8.16
Cost of Liabilities 6.53 5.36 5.16 5.85
NIM 4.59 3.27 3.04 2.59
Interest Spread 8.61 6.25 6.17 6.75
Performance Ratios
ROA(%) 0.59 1.21 1.16 0.92
ROE(%) 5.53 12.12 11.61 10.29
ROCE(%) 6.92 10.28 9.73 9.84
Efficiency Ratios
Cost Income Ratio 52.75 51.32 53.58 53.44
Core Cost Income Ratio 54.24 52.35 56.86 56.86
Operating Costs to Assets 3.45 2.54 2.5 2.17
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0
Tier-1 (Basel I) 0 0 0 0
Tier-2 (Basel I) 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0
Tier-1 (Basel II) 0 0 0 0
Tier-2 (Basel II) 0 0 0 0
Basel III
Total CAR (Basel III) 0 0 0 0
Tier - 1 (Basel III) 0 0 0 0
Tier - 2 (Basel III) 0 0 0 0
Valuation Parameters
PER(x) 13.8 33.89 31.68 41.5
PCE(x) 10.68 29.45 27.49 36.53
Price/Book(x) 0.65 3.86 3 4.28
Yield(%) 1.11 0.4 0.44 0.36
EV/Net Sales(x) 2.72 6.49 6.42 7.14
EV/Core EBITDA(x) 8.71 21.1 21.83 28.82
EV/EBIT(x) 4.24 8.09 7.88 8.36
EV/CE(x) 0.27 0.51 0.47 0.54
M Cap / Sales 0.79 4.61 4.39 4.99
Growth Ratio
Core Operating Income Growth 53.22 39.59 49.06 0
Operating Profit Growth -67.99 -39.37 2.39 0
Net Profit Growth -41.93 34.76 43.3 0
BVPS Growth 17.62 10.93 37.75 0
Advances Growth 6.81 34.87 36.74 0
EPS Growth(%) -51.09 33.56 26.4 0
Liquidity Ratios
Loans/Deposits(x) 0.29 0.2 0.21 0.23
Total Debt/Equity(x) 0.11 0.08 0.06 0.09
Current Ratio(x) 0.31 0.29 0.35 0.39
Quick Ratio(x) 29.42 20.28 21.1 23.07
Interest Cover(x)
Total Debt/Mcap(x) 0 0 0 0
Net NPA in Rs. Million 0 0 0 0
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) 9.94 20.32 15.13 11.89 9.01
DPS(Rs) 1.5 2.7 2.1 1.8 1.5
Book NAV/Share(Rs) 100 100 100 100 92.02
Margin Ratios
Yield on Advances 14.68 11.6 11.19 12.61 12.93
Yield on Investments 8.44 6.96 7.54 8.16 5.58
Cost of Liabilities 6.53 5.36 5.16 5.85 5.52
NIM 4.27 3.27 2.94 2.59 2.15
Interest Spread 8.15 6.25 6.04 6.75 7.41
Performance Ratios
ROA(%) 0.6 1.22 1.15 1.02 0.88
ROE(%) 5.58 12.19 11.53 12.18 11.21
ROCE(%) 6.94 10.28 9.67 9.38 7.45
Efficiency Ratios
Cost Income Ratio 50.33 51.28 53.04 53.44 58.59
Core Cost Income Ratio 51.82 52.31 56.35 56.86 61.39
Operating Costs to Assets 3.13 2.54 2.43 2.17 1.96
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 0
Tier-1 (Basel II) 0 0 0 0 0
Tier-2 (Basel II) 0 0 0 0 0
Basel III
Total CAR (Basel III) 16.45 13.46 15.33 13.72 12.94
Tier - 1 (Basel III) 15.33 12.1 13.61 11.39 11.1
Tier - 2 (Basel III) 1.12 1.36 1.72 2.33 1.84
Valuation Parameters
PER(x) 13.65 33.54 31.51 41.57 0
PCE(x) 10.72 29.4 27.72 36.53 0
Price/Book(x) 0.65 3.85 2.99 4.28 0
Yield(%) 1.11 0.4 0.44 0.36 0
EV/Net Sales(x) 2.81 6.49 6.49 7.14 3.96
EV/Core EBITDA(x) 8.69 21.09 21.99 28.82 20.02
EV/EBIT(x) 4.24 8.08 7.9 8.36 4.62
EV/CE(x) 0.27 0.51 0.47 0.54 0.28
M Cap / Sales 0.81 4.61 4.44 4.99 0
Growth Ratio
Core Operating Income Growth 42.93 43.78 44.62 49.09 47.24
Operating Profit Growth -67.82 -38.73 1.97 -20.92 -36.5
Net Profit Growth -41.67 36.51 42.38 52.5 41.18
BVPS Growth 17.62 11.05 37.84 25.54 21.13
Advances Growth 6.83 34.87 36.74 38.72 46.92
EPS Growth(%) -51.07 34.26 27.3 31.99 27.58
Liquidity Ratios
Loans/Deposits(x) 0.29 0.2 0.21 0.23 0.43
Total Debt/Equity(x) 0.11 0.08 0.06 0.09 0.06
Current Ratio(x) 0.31 0.29 0.35 0.39 0.59
Quick Ratio(x) 29.42 20.26 21.1 23.07 43.27
Interest Cover(x)
Total Debt/Mcap(x) 3.62 1.38 1.4 1.2 0.98
Net NPA in Rs. Million 2.05 0.69 0.78 0.64 0.59

Cash Flow

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017
Net Profit Before Taxes 7473.47 12978.37 9738.23 6814.87
Adjustments for Expenses & Provisions : 21516.87 7626.28 4570.59 10612.02
Adjustments for Liabilities & Assets: -77426.84 -13812.28 -36117.49 19119.58
Refund/(payment) of direct taxes -3289.08 -6009.99 -3751.4 -2210
Other Direct payments 0 0 0 0
Cash Flow from operating activities -51725.57 782.39 -25560.07 34336.47
Cash Flow from investing activities -2227.93 -2017.07 -1651.89 -1421.78
Cash Flow from financing activities 76978.45 25666.45 29940.32 -16561.41
Effect of exchange fluctuation on translation reserve 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 23024.96 24431.76 2728.37 16353.28
Opening Cash & Cash Equivalents 59234.82 34803.06 32074.69 15311.12
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0
Closing Cash & Cash Equivalent 82259.78 59234.82 34803.06 31664.41
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017
Net Profit Before Taxes 7473.47 12978.37 9738.23 6814.87
Adjustments for Expenses & Provisions : 21516.87 7626.28 4570.59 10612.02
Adjustments for Liabilities & Assets: -77426.84 -13812.28 -36117.49 19119.58
Refund/(payment) of direct taxes -3289.08 -6009.99 -3751.4 -2210
Other Direct payments 0 0 0 0
Cash Flow from operating activities -51725.57 782.39 -25560.07 34336.47
Cash Flow from investing activities -2227.93 -2017.07 -1651.89 -1421.78
Cash Flow from financing activities 76978.45 25666.45 29940.32 -16561.41
Effect of exchange fluctuation on translation reserve 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 23024.96 24431.76 2728.37 16353.28
Opening Cash & Cash Equivalents 59234.82 34803.06 32074.69 15311.12
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0
Closing Cash & Cash Equivalent 82259.78 59234.82 34803.06 31664.41
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0

Share Price

Year Open Price (₹) High Price (₹) Low Price (₹) Close Price (₹) Volume (000's) Value (in Lakhs)
February-2021 215.05 268.9 212.45 241.4 12568.6 30874.73
January-2021 230.05 274 209.3 213.85 20513.13 50448
December-2020 224.8 250 197.85 232.55 17694.44 40652.89
November-2020 176.9 235.95 174.1 223.7 19962.49 41873.3
October-2020 170.15 186 165.9 174.25 16411.63 29038.51
September-2020 195.2 200.9 156 169.85 21640.84 39376.05
August-2020 168.3 217.8 161 196 34958.77 65324.22
RBL Bank falls on reporting consolidated net loss of Rs 462 crore in Q103-Aug-2021 01:53 PM  
RBL Bank reports consolidated net loss of Rs 462 crore in Q1 03-Aug-2021 11:29 AM  
RBL Bank informs about analyst meet29-Jul-2021 03:53 PM  
RBL Bank rises on entering into agreement with Visa Worldwide to issue credit cards16-Jul-2021 10:36 AM  
RBL Bank enters into agreement with Visa Worldwide to issue credit cards15-Jul-2021 05:17 PM  
RBL Bank informs about analyst meet24-Jun-2021 11:25 AM  
RBL Bank informs about allotment equity shares under ESOP19-Jun-2021 03:35 PM  
RBL Bank informs about analyst meet08-Jun-2021 01:02 PM  
RBL Bank informs about analyst meet02-Jun-2021 02:30 PM  
RBL Bank rises despite reporting 34% fall in Q4 consolidated net profit05-May-2021 12:54 PM  
RBL Bank reports 34% fall in Q4 consolidated net profit05-May-2021 10:34 AM  
RBL Bank partners with Mastercard 15-Apr-2021 02:38 PM  
RBL Bank shines on targeting more small businesses after tie-up with Tide07-Apr-2021 10:11 AM  
RBL Bank targets more small businesses after tie-up with Tide 07-Apr-2021 09:11 AM  
RBL Bank jumps on logging 26% growth in deposits during Q4FY2106-Apr-2021 02:01 PM  
RBL Bank logs 26% growth in deposits during Q4FY2106-Apr-2021 12:42 PM  
RBL Bank informs about allotment of equity shares under ESOP scheme11-Mar-2021 02:38 PM  
RBL Bank informs about cessation of independent director 18-Dec-2020 11:07 AM  
RBL Bank, ICICI Prudential Life Insurance enter into bancassurance partnership09-Dec-2020 04:34 PM  
RBL Bank gains on opening additional branch in Delhi09-Dec-2020 02:28 PM  
RBL Bank opens additional branch in Delhi08-Dec-2020 05:13 PM  
RBL Bank gains on the BSE27-Nov-2020 10:39 AM  
RBL Bank to hold virtual cyclothon to raise funds for girl child education26-Nov-2020 05:11 PM