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RBL Bank Ltd

Updated on March 24, 2020

Stock/Share Code - RBLBANK

RBL Bank is one of Indias fastest growing private sector banks with an expanding presence across the country. The Bank offers specialised services under six business verticals, namely: Corporate & Ins...Read more

Below is the details of RBLBANK RBL Bank Ltd

Market Cap Cr.
Current Price ₹320.75 as on 10 Dec 19
52 Week High / Low Price /
Face Value
Stock P/E
Book Value
Dividend Yield %
ROCE %
ROE %
Sales Growth (3yrs) %
SectorBanks
IndustryBanks - Private Sector
Pros: Company is expected to give good quarter Company has good consistent profit growth of 56.79% over 5 years
Cons: Company has low interest coverage ratio. Company has a low return on equity of 11.96% for last 3 years. Contingent liabilities of Rs.63611.53 Cr. Earnings include an other income of Rs.1818.94 Cr.

RBL Bank Ltd Price Chart

RBL Bank Ltd Price Chart

RBL Bank Ltd Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Bank ₹1,249.5 24.57 ₹645,572.34 Cr. 0.63 ₹7,659.65 Cr. 29.81 13.73 31200.92 7.69
2. ICICI Bank ₹528.7 33.93 ₹321,807.51 Cr. 0.20 ₹4,670.1 Cr. 149.16 16.78 21622.94 4.82
3. Kotak Mah. Bank ₹1,662.4 41.32 ₹309,855.01 Cr. 0.05 ₹2,348.72 Cr. 5.21 7.95 8331.98 7.92
4. Axis Bank ₹715.7 41.09 ₹196,687.52 Cr. 0.13 ₹1,875.72 Cr. 6.10 10.77 15965.10 5.70
5. IndusInd Bank ₹1,411.6 17.10 ₹76,560.33 Cr. 0.59 ₹1,300.2 Cr. 32.00 26.39 7284.53 7.62
6. Bandhan Bank ₹521.05 19.56 ₹61,748.34 Cr. 0.58 ₹731.03 Cr. 120.67 64.75 2717.63 10.48
7. AU Small Finance ₹797.75 52.72 ₹35,361.33 Cr. 0.06 ₹190.2 Cr. 99.52 40.99 1111.62 8.97
8. RBL Bank 23.16 ₹14,788.37 Cr. 0.78 ₹69.95 Cr. -68.94 31.63 2157.33 7.35

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RBL Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Revenue9861,0431,0911,1511,2231,3641,4631,6391,8342,0232,1262,157
Interest6346646716847228128709841,0951,2051,2571,235
Expenses -3894184334745425876176917888931,2081,316
Employee Cost %11.44%12.76%13.15%12.48%10.67%11.22%10.31%10.01%9.17%9.12%9.22%8.71%
Financing Profit-37-40-13-7-42-34-24-36-49-76-339-393
Financing Margin %-4%-4%-1%-1%-3%-2%-2%-2%-3%-4%-16%-18%
Other Income237257241258312326333374409481442487
Depreciation000000000000
Profit before tax20021722825127029230933836040610394
Tax %35%35%34%34%34%35%34%33%31%34%47%25%
Net Profit1301411511651781902052252472675470
EPS in Rs3.483.753.783.974.264.524.845.305.796.251.261.56
Gross NPA %1.20%1.46%1.44%1.56%1.40%1.40%1.40%1.38%1.38%1.38%2.60%3.33%
Net NPA %0.64%0.81%0.78%0.97%0.78%0.75%0.74%0.72%0.69%0.65%1.56%2.07%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue1071381441894658791,3521,9532,7443,7134,5086,3018,140
Interest527485942786221,0101,3971,9252,4922,7413,7614,793
Expenses -353040931512344496278331,2341,7812,5614,204
Manufacturing Cost %0.39%0.51%0.45%0.41%0.38%0.27%0.22%0.35%0.24%0.1%0.14%0.59%%
Employee Cost %16.01%14.93%15.97%38.34%18.15%14.14%13.7%15.42%13.5%12.04%12.24%10.12%%
Other Cost %16.51%6.37%10.98%10.54%13.91%12.17%19.31%16.31%16.63%21.09%27.14%29.94%%
Financing Profit20331923624-108-70-14-12-15-21-857
Financing Margin %18%24%13%1%8%3%-8%-4%-1%-0%-0%-0%-11%
Other Income9161319671262614034917551,0681,4421,819
Depreciation334281321334862871220
Profit before tax25462919951371333004286819671,299962
Tax %33%33%33%35%32%32%30%31%32%35%34%33%
Net Profit17311912659393207292446635867638
EPS in Rs15.412.741.730.542.983.573.256.828.7011.8915.1320.3214.86
Dividend Payout %31%34%33%35%10%16%26%17%17%15%14%13%

Compounded Sales Growth

  • 10 Years:: 46.55%
  • 5 Years:: 36.05%
  • 3 Years:: 31.92%
  • TTM:: 43.08%

Compounded Profit Growth

  • 10 Years:: 39.78%
  • 5 Years:: 56.79%
  • 3 Years:: 43.73%
  • TTM:: -19.98%

Return on Equity

  • 3 Years:: -14.32%
  • 1 Year:: -51.17%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital -105105105215215253272293325375420427
Equity Capital104.72104.72104.72214.95214.95252.93272.04293.45324.73375.2419.67426.71
Reserves2182372488709271,3531,6121,9362,6643,9606,2647,121
Borrowings1,1011,3111,5892,0505,93811,07815,49424,06234,88542,56853,16470,226
Other Liabilities -5055145971272798198121,3301,7852,0092,591
Total Liabilities1,4751,7072,0873,2327,20712,96218,19727,10439,20448,68961,85780,365
Fixed Assets -161820324583110153158224303363
Gross Block35.5641.5547.9661.0880.84129.85176.93251.36302.05425.75587.57747.09
Accumulated Depreciation19.9523.1728.2229.235.4146.8166.7398.04143.8201.58284.86384.55
CWIP102121210231019353140
Investments3614045078922,2655,5166,4779,79214,43613,48215,44816,840
Other Assets -1,0971,2841,5582,2964,8857,35311,58717,14824,59134,94846,07563,122
Cash Equivalents483.18460.43356.08350.18586.12688.581192.252170.332449.924193.654284.446602.11
Loans n Advances27.9322.5431.3340.62166.39288.26559.49527.78911.991305.621523.182211.44
Other Assets etc585.79801.111170.441905.174132.266376.219835.0414449.8221229.129449.0340267.8554308.25
Total Assets1,4751,7072,0873,2327,20712,96218,19727,10439,20448,68961,85780,365

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity -140-5-90-694-845-1,772-922-2,261-4,3843,434-2,528-31
Profit from operations20.0633.9922.7920.47119.63171.26197.94388.37589.95981.151418.162062.14
Working Capital Changes119.71-39.12-112.37-715.07-934.47-1901.2-1080.12-2549.88-4823.162673.5-3570.83-1509.03
Taxes paid0000.19-30.43-41.84-39.85-99-151-221-375.14-584
Cash from Investing Activity --3-5-7-23-21-47-59-58-60-142-162-190
Fixed Assets Purchased-5.09-6.32-5.58-14.98-23.41-51.97-48.69-80.27-53.9-129.02-167.39-183.88
Fixed Assets Sold1.470.150.111.283.012.722.298.892.432.331.942.12
Capital WIP0.250.79-1.96-9.54-0.822.2-12.9613.01-8.97-15.493.26-8.65
Cash from Financing Activity -102-12-77201,1861,9201,4853,0764,040-1,6562,9952,567
Proceeds from Shares108.1300724.720388.36344.552.37525.03900.331795.28103.02
Proceeds from Borrowings00001190.861538.81158.23067.150000
Dividends Paid-5.09-10.47-6.29-4.3-5.01-7.48-17.77-43.84-58.68000
Net Cash Flow239-23-1042319101503757-4051,6353052,345

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %7%9%6%2%6%7%5%10%11%12%12%12%

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Disclaimer:
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