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RBL Bank

₹265.8 7.6 | 2.9%

Market Cap ₹16070 Cr.

Stock P/E 13.4

P/B 1.1

Current Price ₹265.8

Book Value ₹ 238

Face Value 10

52W High ₹300.5

Dividend Yield 0.56%

52W Low ₹ 131.6

RBL Bank Research see more...

Overview Inc. Year: 1943Industry: Bank - Private

RBL Bank Ltd is an primarily India-based financial institution. The Company operates in six business segments: Branch and Business Banking (BBB), Retail Assets, Development Banking and Financial Inclusion (DB&FI), Corporate and Institutional Banking (C&IB), Commercial Banking (CB), Treasury and Financial Markets Operations. C&IB products and services comprises various fund-based and non-fund-based products, such as liability products, mortgage products, cash control and treasury risk management. CB phase finances the commercial enterprise requirements of small and medium companies. BBB segment's offerings include financial savings account, current account, fixed deposits, and non-resident Indian (NRI) banking. Retail Assets section offers retail loans, digital lending, credit card, retail agribusiness, commodity and warehouse receipt finance, and farm mechanization. DB & FI section's merchandise comprises micro-coverage, individual business mortgage, bank gurantees, fixed deposits, salary ac and cash control services.

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RBL Bank Share Price

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RBL Bank Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 2034 2107 2201 2203 2286 2497 2616 2816 3008 3191
Other Income 595 584 513 614 585 624 684 694 713 777
Total Income 2629 2690 2714 2817 2871 3121 3300 3510 3721 3969
Interest Expense 1059 1034 1000 1062 1111 1221 1285 1434 1533 1645
Operating Expenditure 900 1060 1090 1218 1261 1318 1390 1392 1423 1546
Provisions and contingencies 651 424 401 253 242 293 235 266 640 458
Operating Profit 18 172 224 284 257 290 390 418 125 320
Profit Before Tax 18 172 224 284 257 290 390 418 125 320
Provision for Tax 9 51 59 75 69 65 92 99 -206 75
Profit After Tax 10 122 165 209 188 225 299 319 331 245
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 10 122 165 209 188 225 299 319 331 245
Adjusted Earnings Per Share 0.2 2 2.7 3.5 3.1 3.7 5 5.3 5.5 4.1

RBL Bank Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 3713 4561 6302 8779 8676 8445 9550 11631
Other Income 755 1069 1441 1918 1875 2352 2507 2868
Total Income 4469 5630 7743 10697 10551 10796 12056 14500
Interest Expense 2492 2741 3761 4885 4539 4148 4679 5897
Operating Expenditure 1056 1548 2044 3103 3071 3994 5135 5751
Provisions and contingencies 239 367 641 1962 2228 2860 1022 1599
Operating Profit 681 974 1298 747 712 -207 1221 1253
Profit Before Tax 681 974 1298 747 712 -207 1221 1253
Provision for Tax 235 335 436 247 183 -40 302 60
Profit After Tax 446 639 861 500 529 -166 920 1194
Adjustments 1 -8 -4 0 0 0 0 0
Profit After Adjustments 447 632 858 500 529 -166 920 1194
Adjusted Earnings Per Share 11.9 15.1 20.1 9.8 8.9 -2.8 15.3 19.9

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 13% 3% 16% 0%
Operating Profit CAGR 0% 18% 5% 0%
PAT CAGR 0% 23% 8% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 73% 4% -14% NA%
ROE Average 7% 3% 6% 7%
ROCE Average 8% 5% 7% 7%

RBL Bank Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 4336 6681 7535 10565 12666 12530 13526
Minority's Interest 0 19 0 0 0 0 0
Deposits 34588 43883 58358 57812 73055 79006 84875
Borrowings 7980 9261 11832 17007 11226 11098 13332
Other Liabilities & Provisions 1771 2033 2673 3600 3672 3528 4074
Total Liabilities 48676 61877 80398 88983 100619 106163 115806
Cash and balance with RBI 2948 2589 4840 6416 6705 13111 6238
Bank Balance 1246 1721 1809 2443 6738 4446 2289
Investments 13482 15397 16745 18055 23085 22129 28730
Advances 29449 40268 54308 58006 58623 60005 70186
Fixed Assets 224 308 376 430 471 497 553
Other Assets 1292 1563 2280 3572 4973 5893 7763
Total Assets 48676 61877 80398 88983 100619 106163 115806

RBL Bank Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 1531 3207 3480 5923 8226 11477 17552
Cash Flow from Operating Activities 3434 -2556 78 -5173 7631 6449 -11031
Cash Flow from Investing Activities -142 -165 -202 -223 -174 -264 -234
Cash Flow from Financing Activities -1656 2994 2567 7698 -4207 -109 2235
Net Cash Inflow / Outflow 1635 273 2443 2302 3251 6076 -9030
Closing Cash & Cash Equivalent 3166 3480 5923 8226 11477 17552 8522

RBL Bank Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 11.91 15.05 20.1 9.83 8.85 -2.77 15.34
CEPS(Rs) 13.53 17.35 23.13 12.7 11.69 0.23 18.89
DPS(Rs) 1.8 2.1 2.7 1.5 0 0 1.5
Book NAV/Share(Rs) 115.55 159.16 176.55 207.66 211.78 208.83 224.33
Yield on Advances 12.61 11.33 11.6 15.13 14.8 14.07 13.61
Yield on Investments 8.16 7.56 7 8.49 7.15 7.19 6.08
Cost of Liabilities 5.85 5.16 5.36 6.53 5.39 4.6 4.76
NIM (Net Interest Margin) 2.59 3.04 3.27 4.59 4.35 4.31 4.53
Interest Spread 6.75 6.17 6.25 8.61 9.41 9.47 8.84
ROA(%) 0.92 1.16 1.21 0.59 0.56 -0.16 0.83
ROE(%) 10.29 11.61 12.12 5.53 4.56 -1.32 7.08
ROCE(%) 9.84 9.73 10.28 6.92 6.3 1.7 7.5
PER(x) 41.5 31.68 33.89 13.8 23.44 0 9.2
Price/Book(x) 4.28 3 3.86 0.65 0.98 0.62 0.63
Dividend Yield(%) 0.36 0.44 0.4 1.11 0 0 1.06
EV/Net Sales(x) 7.14 6.42 6.49 2.72 2.72 2.24 2.28
EV/Core EBITDA(x) 28.82 21.83 21.1 8.83 8.04 7.12 9.71
Interest Earned Growth(%) 0 22.85 38.16 39.3 -1.17 -2.66 13.08
Net Profit Growth 0 43.3 34.76 -41.93 5.85 -131.38 653.45
Advances Growth 0 36.74 34.87 6.81 1.06 2.36 16.97
EPS Growth(%) 0 26.4 33.56 -51.09 -9.96 -131.3 653.4
Loans/Deposits(x) 23.07 21.1 20.28 29.42 15.37 14.05 15.71
Cash/Deposits(x) 0.09 0.06 0.08 0.11 0.09 0.17 0.07
Current Ratio(x) 0.39 0.35 0.29 0.31 0.32 0.28 0.34
Quick Ratio(x) 23.07 21.1 20.28 29.42 15.37 14.05 15.71
CASA % 21.98 24.32 24.93 29.61 31.81 35.29 37.35

RBL Bank Shareholding Pattern

# Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Promoter 0 0 0 0 0 0 0 0 0 0
FII 29.2 28.92 28.2 26.11 27.2 26.52 22.27 25.89 30 28.26
DII 25.1 22.44 21.8 14.39 14.2 22.64 22.6 20.74 19.54 19.75
Public 45.7 48.64 50 59.5 58.6 50.84 55.14 53.38 50.46 51.98
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 3% over the last 3 years.
  • Earnings include an other income of Rs. 2507 Cr.
  • The company has delivered a poor profit growth of 7% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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