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RBL Bank Ltd

Updated on November 6, 2019

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₹14,083 Cr.
Current Price ₹343.6 as on 11 Nov 19
52 Week High / Low Price₹716.55 / ₹286.1
Face Value₹10
Stock P/E14.92
Book Value₹175.36
Dividend Yield0.82 %
ROCE7.35 %
ROE12.18 %
Sales Growth (3yrs)31.92 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
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.1597.61 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 ₹1,264.75 27.28 ₹609,181.7 Cr. 0.67 ₹5,676.06 Cr. 18.05 21.68 29176.45 7.69
2. Kotak Mah. Bank ₹1,616.9 38.14 ₹273,380.28 Cr. 0.06 ₹1,932.21 Cr. 26.42 20.44 8314.19 7.92
3. ICICI Bank ₹496.8 39.11 ₹264,490.78 Cr. 0.24 ₹2,513.69 Cr. 50887.63 21.67 20365.87 4.82
4. Axis Bank ₹733.7 34.43 ₹173,952.03 Cr. 0.15 ₹1,261.4 Cr. 74.74 19.49 15534.82 5.70
5. IndusInd Bank ₹1,445.05 26.15 ₹96,714.99 Cr. 0.47 ₹1,432.5 Cr. 38.31 37.36 6961.37 7.62
6. Bandhan Bank ₹549.85 25.81 ₹56,028.5 Cr. 0.64 ₹701.14 Cr. 45.55 36.27 2120.56 10.48
7. IDFC First Bank ₹42.55 ₹20,828.95 Cr. 1.72 -₹611.64 Cr. -419.24 62.55 3865.71 3.97
8. RBL Bank 14.92 ₹14,082.53 Cr. 0.82 ₹267.05 Cr. 40.52 48.27 2022.67 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

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
Revenue9029619861,0431,0911,1511,2231,3641,4631,6391,8342,023
Interest5996406346646716847228128709841,0951,205
Expenses303305389418433474542587617691788893
Employee Cost %12.7%12.32%11.44%12.76%13.15%12.48%10.67%11.22%10.31%10.01%9.17%9.12%
Financing Profit017-37-40-13-7-42-34-24-36-49-76
Financing Margin %0%2%-4%-4%-1%-1%-3%-2%-2%-2%-3%-4%
Other Income141182237257241258312326333374409481
Depreciation000000000000
Profit before tax141199200217228251270292309338360406
Tax %36%35%35%35%34%34%34%35%34%33%31%34%
Net Profit90129130141151165178190205225247267
EPS in Rs2.603.463.483.753.783.974.264.524.845.305.796.25
Gross NPA %1.10%1.06%1.20%1.46%1.44%1.56%1.40%1.40%1.40%1.38%1.38%1.38%
Net NPA %0.55%0.52%0.64%0.81%0.78%0.97%0.78%0.75%0.74%0.72%0.69%0.65%
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
Revenue1071381441894658791,3521,9532,7443,7134,5086,3016,959
Interest527485942786221,0101,3971,9252,4922,7413,7614,155
Expenses353040931512344496278331,2341,7812,5612,989
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 %15.96%14.87%15.88%38.2%18.1%14.11%13.68%15.4%13.48%12.02%12.22%10.1%%
Other Cost %16.56%6.43%11.07%10.68%13.96%12.2%19.33%16.33%16.65%21.11%27.15%29.96%%
Financing Profit20331923624-108-70-14-12-15-21-185
Financing Margin %18%24%13%1%8%3%-8%-4%-1%-0%-0%-0%-3%
Other Income9161319671262614034917551,0681,4421,598
Depreciation334281321334862871220
Profit before tax25462919951371333004286819671,2991,413
Tax %33%33%33%35%32%32%30%31%32%35%34%33%
Net Profit17311912659393207292446635867944
EPS in Rs11.8915.1320.3222.18
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:: 44.11%

Compounded Profit Growth

  • 10 Years:: 39.78%
  • 5 Years:: 56.79%
  • 3 Years:: 43.73%
  • TTM:: 37.98%

Return on Equity

  • 10 Years:: 10.37%
  • 5 Years:: 11.66%
  • 3 Years:: 11.96%
  • Last Year:: 12.18%

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 Capital105105105215215253272293325375420427
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 Liabilities5055145971272798198121,3301,7852,0092,591
Total Liabilities1,4751,7072,0873,2327,20712,96218,19727,10439,20448,68961,85780,365
Fixed Assets161820324583110153158224303363
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 Assets1,0971,2841,5582,2964,8857,35311,58717,14824,59134,94846,07563,122
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 Activity140-5-90-694-845-1,772-922-2,261-4,3843,434-2,528-31
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 Activity102-12-77201,1861,9201,4853,0764,040-1,6562,9952,567
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:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.