Nine Monthly Results Results Snapshot
Figures in Rs cr
Standalone Nine Monthly Results
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Dec'18
Interest Earned
10,563.50
9,055.21
7,034.26
6,044.83
6,363.63
6,306.15
4,466.58
Income On Investments
1,583.63
1,520.65
1,180.86
1,013.04
1,020.15
1,034.00
796.05
Interest On Balances With Rbi Other Inter Bank Funds
247.76
103.62
225.45
255.46
236.65
133.73
66.01
Interest / Discount On Advances / Bills
8,425.31
7,299.24
5,561.53
4,662.87
5,010.58
5,100.29
3,581.19
Others
306.80
131.70
66.42
113.46
96.25
38.13
23.33
Other Income
2,806.15
2,167.42
1,815.32
1,866.08
1,335.22
1,409.71
1,033.14
Total Income
13,369.65
11,222.63
8,849.58
7,910.91
7,698.85
7,715.86
5,499.72
Interest Expended
5,663.50
4,612.17
3,393.35
3,149.43
3,482.11
3,697.49
2,665.83
Net Interest Income
4,900.00
4,443.04
3,640.91
2,895.40
2,881.52
2,608.66
1,800.75
Total Expenditure (Excl Depreciation)
4,940.55
4,466.74
3,847.56
2,673.59
2,036.64
2,040.53
1,454.05
Employee Cost
1,286.44
1,114.76
982.97
722.55
638.36
568.57
467.97
Other Operating Expenses
3,654.11
3,351.98
2,864.59
1,951.04
1,398.28
1,471.96
986.08
Operating Profit Before Provisions and Contingencies
2,765.60
2,143.72
1,608.67
2,087.89
2,180.10
1,977.84
1,379.84
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
2,173.52
1,364.68
787.24
2,459.73
1,601.30
1,375.82
440.71
Profit Before Tax
592.08
779.04
821.43
-371.84
578.80
602.02
939.13
Tax
-34.59
-36.24
209.75
-99.27
146.36
210.71
319.36
Profit After Tax
626.67
815.28
611.68
-272.57
432.44
391.31
619.77
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
626.67
815.28
611.68
-272.57
432.44
391.31
619.77
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit Margin (Excl OI)
53.23%
50.67%
45.3%
55.77%
68.0%
67.64%
67.45%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
5.93%
9.0%
8.7%
-4.51%
6.8%
6.21%
13.88%
Net Interest Margin
4.9%
5.52%
4.74%
4.34%
4.19%
4.57%
4.12%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
32.8%
33.8%
36.6%
34.4%
31.1%
26.8%
24.6%
CASA Amount
35,022.00
31,338.00
29,948.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
14.86%
15.66%
16.32%
16.58%
17.33%
15.66%
12.86%
Capital Adequacy Ratio (Tier 1)
13.68%
14.6%
15.5%
15.8%
17.1%
15.0%
12.5%
Provision Coverage Ratio (%)
82.17%
75.1%
68.0%
78.6%
86.4%
58.1%
63.22%
Amount of Gross NPAs
2,701.00
2,551.05
2,468.68
2,901.91
1,050.21
2,010.48
695.54
Amount of Net NPAs
481.64
635.64
789.92
1,075.54
402.46
1,236.41
358.24
% of Net NPAs
0.53%
0.8%
1.18%
1.85%
0.71%
2.07%
0.72%
% of Gross NPAs
2.92%
3.12%
3.61%
4.84%
1.84%
3.33%
1.38%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
411.0
388.0
413.0
407.0
412.0
383.0
390.0
Number of Branches
558.0
538.0
516.0
463.0
404.0
371.0
288.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2024 is 16.66% vs 28.73% in Dec 2023
Net Profit
YoY Growth in nine months ended Dec 2024 is -23.13% vs 33.29% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2024 is 29.01% vs 33.26% in Dec 2023
% of Net NPAs
YoY Growth in nine months ended Dec 2024 is -0.27% vs -0.38% in Dec 2023
% of Gross NPAs
YoY Growth in nine months ended Dec 2024 is -0.20% vs -0.49% in Dec 2023
Compare Nine Monthly Results Of RBL Bank With
Figures in Rs cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
10,563.50
23,278.78
-12,715.28
-54.62%
Income On Investments
1,583.63
4,354.90
-2,771.27
-63.64%
Interest On Balances With Rbi Other Inter Bank Funds
247.76
291.40
-43.64
-14.98%
Interest / Discount On Advances / Bills
8,425.31
17,464.10
-9,038.79
-51.76%
Others
306.80
1,168.38
-861.58
-73.74%
Other Income
2,806.15
4,117.60
-1,311.45
-31.85%
Total Income
13,369.65
27,396.38
-14,026.73
-51.2%
Interest Expended
5,663.50
16,610.78
-10,947.28
-65.9%
Net Interest Income
4,900.00
6,668.00
-1,768.00
-26.51%
Total Expenditure (Excl Depreciation)
4,940.55
7,846.02
-2,905.47
-37.03%
Employee Cost
1,286.44
2,991.59
-1,705.15
-57.0%
Other Operating Expenses
3,654.11
4,854.43
-1,200.32
-24.73%
Operating Profit Before Provisions and Contingencies
2,765.60
2,939.58
-173.98
-5.92%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
2,173.52
767.55
1,405.97
183.18%
Profit Before Tax
592.08
2,172.03
-1,579.95
-72.74%
Tax
-34.59
504.29
-538.88
-106.86%
Profit After Tax
626.67
1,667.74
-1,041.07
-62.42%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
626.67
1,667.74
-1,041.07
-62.42%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
5.93%
7.16%
0.00
-1.23%
Net Interest Margin
4.90%
2.40%
2.50
2.50%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
32.80%
33.10%
-0.30
-0.30%
CASA Amount
35,022.00
91,650.00
-56,628.00
-61.79%
Capital Adequacy Ratio (Total)
14.86%
15.20%
-0.34
-0.34%
Capital Adequacy Ratio (Tier 1)
13.68%
12.59%
1.09
1.09%
Provision Coverage Ratio (%)
82.17%
71.20%
10.97
10.97%
Amount of Gross NPAs
2,701.00
3,963.47
-1,262.47
-31.85%
Amount of Net NPAs
481.64
1,142.62
-660.98
-57.85%
% of Net NPAs
0.53%
0.50%
0.03
0.03%
% of Gross NPAs
2.92%
1.60%
1.32
1.32%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
411.00
1,326.00
-915.00
-69.0%
Number of Branches
558.00
1,247.00
-689.00
-55.25%
Nine Monthly - Interest Earned
Interest Earned 10563.5 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 16.66% vs 28.73% in Dec 2023
Nine Monthly - Net Profit
Net Profit 626.67 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is -23.13% vs 33.29% in Dec 2023
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,765.60 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 29.01% vs 33.26% in Dec 2023
Nine Monthly - % of Net NPAs
% of Net NPAs 0.53%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is -0.27% vs -0.38% in Dec 2023
Nine Monthly - % of Gross NPAs
% of Gross NPAs 2.92%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is -0.20% vs -0.49% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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