RBL Bank

Market Cap: Mid Cap
Industry: Bank - Private
ISIN: INE976G01028
NSEID: RBLBANK
BSEID: 540065

INR

173.20

5.1 (3.03%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 25.02 lacs

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Half Yearly Results

Results Snapshot

Figures in Rs cr

Standalone Half Yearly Results

Sep'24

Sep'23

Sep'22

Sep'21

Sep'20

Sep'19

Mar'19

Interest Earned

7,027.17

5,863.83

4,536.50

4,000.63

4,356.08

4,148.82

3,473.05

Income On Investments

1,050.39

1,019.19

776.42

683.55

667.56

679.28

571.22

Interest On Balances With Rbi Other Inter Bank Funds

160.42

62.71

170.90

145.64

183.32

98.22

69.44

Interest / Discount On Advances / Bills

5,579.22

4,700.46

3,549.48

3,085.98

3,446.18

3,338.85

2,799.05

Others

237.14

81.47

39.70

85.46

59.02

32.47

33.34

Other Income

1,732.82

1,389.85

1,196.89

1,246.21

759.32

922.74

783.29

Total Income

8,759.99

7,253.68

5,733.39

5,246.84

5,115.40

5,071.56

4,256.34

Interest Expended

3,712.23

2,966.65

2,172.86

2,115.65

2,382.71

2,462.81

2,079.25

Net Interest Income

3,314.94

2,897.18

2,363.64

1,884.98

1,973.37

1,686.01

1,393.80

Total Expenditure (Excl Depreciation)

3,278.79

2,908.56

2,519.06

1,674.07

1,353.43

1,363.08

1,118.63

Employee Cost

833.44

715.89

650.03

469.17

427.66

380.60

332.26

Other Operating Expenses

2,445.35

2,192.67

1,869.03

1,204.90

925.77

982.48

786.37

Operating Profit Before Provisions and Contingencies

1,768.97

1,378.47

1,041.47

1,457.12

1,379.26

1,245.67

1,058.46

Exceptional Items

0.00

Provisions and contingencies

984.62

906.54

494.50

2,035.85

995.51

737.53

360.65

Profit Before Tax

784.35

471.93

546.97

-578.73

383.75

508.14

697.81

Tax

190.31

-110.26

144.26

-150.06

98.37

186.78

225.44

Profit After Tax

594.04

582.19

402.71

-428.67

285.38

321.36

472.37

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

594.04

582.19

402.71

-428.67

285.38

321.36

472.37

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

9.78

9.68

6.72

-7.15

5.6

7.46

11.07

Diluted Earnings per share

9.67

9.59

6.71

-7.16

5.6

7.42

0.0

Operating Profit Margin (Excl OI)

39.33%

34.94%

33.57%

7.27%

46.08%

49.37%

57.41%

Gross Profit Margin

11.16%

8.05%

12.06%

-14.47%

8.81%

12.25%

79.96%

PAT Margin

8.45%

9.93%

8.88%

-10.72%

6.55%

7.75%

13.6%

Net Interest Margin

0.0%

4.5%

4.2%

4.65%

4.33%

0.0%

Return on Assets

0.0%

CASA (%)

33.6%

35.7%

36.2%

35.4%

30.1%

26.5%

0.0%

CASA Amount

36,224.00

32,089.00

0.00

Capital Adequacy Ratio (Total)

15.39%

16.48%

16.91%

16.33%

16.09%

11.88%

0.0%

Capital Adequacy Ratio (Tier 1)

14.19%

15.15%

15.9%

15.5%

15.1%

11.3%

0.0%

Provision Coverage Ratio (%)

72.98%

75.6%

67.8%

76.6%

74.8%

58.45%

0.0%

Amount of Gross NPAs

2,581.08

2,440.66

2,456.60

3,130.93

1,911.72

1,539.10

754.62

Amount of Net NPAs

697.51

594.50

790.23

1,200.43

775.77

912.30

372.74

% of Net NPAs

0.79%

0.78%

1.26%

2.14%

1.38%

1.56%

0.69%

% of Gross NPAs

2.88%

3.12%

3.8%

5.4%

3.34%

2.6%

1.38%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

406.0

408.0

413.0

386.0

402.0

394.0

0.0

Number of Branches

550.0

528.0

507.0

445.0

399.0

346.0

0.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2024 is 19.84% vs 29.26% in Sep 2023

Net Profit

Growth in half year ended Sep 2024 is 2.04% vs 44.57% in Sep 2023

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is 28.33% vs 32.36% in Sep 2023

% of Net NPAs

Growth in half year ended Sep 2024 is 0.01% vs -0.48% in Sep 2023

% of Gross NPAs

Growth in half year ended Sep 2024 is -0.24% vs -0.68% in Sep 2023

Compare Half Yearly Results Of RBL Bank With

Select Peers

Figures in Rs cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

7,027.17

15,449.64

-8,422.47

-54.52%

Income On Investments

1,050.39

2,938.08

-1,887.69

-64.25%

Interest On Balances With Rbi Other Inter Bank Funds

160.42

170.92

-10.50

-6.14%

Interest / Discount On Advances / Bills

5,579.22

11,559.18

-5,979.96

-51.73%

Others

237.14

781.46

-544.32

-69.65%

Other Income

1,732.82

2,605.59

-872.77

-33.5%

Total Income

8,759.99

18,055.23

-9,295.24

-51.48%

Interest Expended

3,712.23

11,005.16

-7,292.93

-66.27%

Net Interest Income

3,314.94

4,444.48

-1,129.54

-25.41%

Total Expenditure (Excl Depreciation)

3,278.79

5,189.51

-1,910.72

-36.82%

Employee Cost

833.44

1,987.72

-1,154.28

-58.07%

Other Operating Expenses

2,445.35

3,201.79

-756.44

-23.63%

Operating Profit Before Provisions and Contingencies

1,768.97

1,860.56

-91.59

-4.92%

Exceptional Items

0.00

Provisions and contingencies

984.62

508.87

475.75

93.49%

Profit Before Tax

784.35

1,351.69

-567.34

-41.97%

Tax

190.31

296.22

-105.91

-35.75%

Profit After Tax

594.04

1,055.47

-461.43

-43.72%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

594.04

1,055.47

-461.43

-43.72%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

9.78

0.34

9.44

2776.47%

Diluted Earnings per share

9.67

0.34

9.33

2744.12%

Operating Profit Margin (Excl OI)

39.33%

63.12%

0.00

-23.79%

Gross Profit Margin

11.16%

8.75%

0.00

2.41%

PAT Margin

8.45%

6.83%

0.00

1.62%

Net Interest Margin

0.00%

0.00

0.00%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

33.60%

32.00%

1.60

1.60%

CASA Amount

36,224.00

88,601.00

-52,377.00

-59.12%

Capital Adequacy Ratio (Total)

15.39%

15.60%

-0.21

-0.21%

Capital Adequacy Ratio (Tier 1)

14.19%

13.20%

0.99

0.99%

Provision Coverage Ratio (%)

72.98%

70.00%

2.98

2.98%

Amount of Gross NPAs

2,581.08

3,889.43

-1,308.35

-33.64%

Amount of Net NPAs

697.51

1,168.02

-470.51

-40.28%

% of Net NPAs

0.79%

1.60%

-0.81

-0.81%

% of Gross NPAs

2.88%

1.60%

1.28

1.28%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

406.00

1,325.00

-919.00

-69.36%

Number of Branches

550.00

1,237.00

-687.00

-55.54%

Half Yearly - Interest Earned

Interest Earned 7027.17 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 19.84% vs 29.26% in Sep 2023

Half Yearly - Net Profit

Net Profit 594.04 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 2.04% vs 44.57% in Sep 2023

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,768.97 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 28.33% vs 32.36% in Sep 2023

Half Yearly - % of Net NPAs

% of Net NPAs 0.79%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is 0.01% vs -0.48% in Sep 2023

Half Yearly - % of Gross NPAs

% of Gross NPAs 2.88%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is -0.24% vs -0.68% in Sep 2023