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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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

3,536.33

3,530.93

3,496.24

3,339.09

3,191.38

3,007.95

2,855.88

Income On Investments

533.24

527.41

522.98

513.40

501.46

500.99

518.20

Interest On Balances With Rbi Other Inter Bank Funds

87.34

93.11

67.31

58.15

40.91

33.99

28.72

Interest / Discount On Advances / Bills

2,846.09

2,829.05

2,750.17

2,679.25

2,598.78

2,430.12

2,270.34

Others

69.66

81.36

155.78

88.29

50.23

42.85

38.62

Other Income

1,073.33

927.36

805.46

875.47

777.57

704.44

685.41

Total Income

4,609.66

4,458.29

4,301.70

4,214.56

3,968.95

3,712.39

3,541.29

Interest Expended

1,951.27

1,915.96

1,796.27

1,739.24

1,645.52

1,532.97

1,433.68

Net Interest Income

1,585.06

1,614.97

1,699.97

1,599.85

1,545.86

1,474.98

1,422.20

Total Expenditure (Excl Depreciation)

1,661.76

1,632.44

1,646.35

1,588.29

1,558.18

1,448.44

1,460.12

Employee Cost

453.00

465.43

368.01

377.47

398.87

374.73

341.16

Other Operating Expenses

1,208.76

1,167.01

1,278.34

1,210.82

1,159.31

1,073.71

1,118.96

Operating Profit Before Provisions and Contingencies

996.63

909.89

859.08

887.03

765.25

730.98

647.49

Exceptional Items

0.00

Provisions and contingencies

1,188.90

618.33

366.29

413.79

458.14

640.35

266.19

Profit Before Tax

-192.27

291.56

492.79

473.24

307.11

90.63

381.30

Tax

-224.90

69.04

121.27

120.60

74.02

-203.45

93.19

Profit After Tax

32.63

222.52

371.52

352.64

233.09

294.08

288.11

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

32.63

222.52

371.52

352.64

233.09

294.08

288.11

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.54

3.66

6.13

5.83

3.87

4.89

4.8

Diluted Earnings per share

0.54

3.63

6.04

5.73

3.8

4.82

4.78

Operating Profit Margin (Excl OI)

19.39%

36.26%

42.43%

40.04%

36.82%

30.56%

39.55%

Gross Profit Margin

-5.44%

8.26%

14.09%

14.17%

9.62%

3.01%

13.35%

PAT Margin

0.92%

6.3%

10.63%

10.56%

7.3%

9.78%

10.09%

Net Interest Margin

4.9%

5.04%

5.67%

5.45%

5.52%

5.54%

5.53%

Return on Assets

0.0%

CASA (%)

32.8%

33.6%

32.6%

35.2%

33.8%

35.7%

37.3%

CASA Amount

35,022.00

36,224.00

33,003.00

0.00

31,338.00

32,089.00

0.00

Capital Adequacy Ratio (Total)

14.86%

15.39%

15.23%

16.18%

15.66%

16.48%

16.39%

Capital Adequacy Ratio (Tier 1)

13.68%

14.19%

13.85%

14.38%

14.6%

15.15%

15.05%

Provision Coverage Ratio (%)

82.17%

72.98%

73.13%

72.7%

75.1%

75.6%

69.6%

Amount of Gross NPAs

2,701.00

2,581.08

2,377.82

2,270.97

2,551.05

2,440.66

2,404.25

Amount of Net NPAs

481.64

697.51

638.94

619.30

635.64

594.50

729.80

% of Net NPAs

0.53%

0.79%

0.74%

0.8%

0.78%

1.0%

% of Gross NPAs

2.92%

2.88%

2.69%

2.65%

3.12%

3.22%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

411.0

406.0

398.0

395.0

388.0

408.0

414.0

Number of Branches

558.0

550.0

545.0

538.0

528.0

520.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Dec 2024 is 10.81% vs 27.77% in Dec 2023

Net Profit

YoY Growth in quarter ended Dec 2024 is -86.00% vs 11.54% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in quarter ended Dec 2024 is 30.24% vs 34.92% in Dec 2023

% of Net NPAs

YoY Growth in quarter ended Dec 2024 is -0.27% vs -0.38% in Dec 2023

% of Gross NPAs

YoY Growth in quarter ended Dec 2024 is -0.20% vs -0.49% in Dec 2023

Compare Quarterly Results Of RBL Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,536.33

7,829.14

-4,292.81

-54.83%

Income On Investments

533.24

1,416.82

-883.58

-62.36%

Interest On Balances With Rbi Other Inter Bank Funds

87.34

120.48

-33.14

-27.51%

Interest / Discount On Advances / Bills

2,846.09

5,904.92

-3,058.83

-51.8%

Others

69.66

386.92

-317.26

-82.0%

Other Income

1,073.33

1,512.01

-438.68

-29.01%

Total Income

4,609.66

9,341.15

-4,731.49

-50.65%

Interest Expended

1,951.27

5,605.62

-3,654.35

-65.19%

Net Interest Income

1,585.06

2,223.52

-638.46

-28.71%

Total Expenditure (Excl Depreciation)

1,661.76

2,656.51

-994.75

-37.45%

Employee Cost

453.00

1,003.87

-550.87

-54.87%

Other Operating Expenses

1,208.76

1,652.64

-443.88

-26.86%

Operating Profit Before Provisions and Contingencies

996.63

1,079.02

-82.39

-7.64%

Exceptional Items

0.00

Provisions and contingencies

1,188.90

258.68

930.22

359.6%

Profit Before Tax

-192.27

820.34

-1,012.61

-123.44%

Tax

-224.90

208.07

-432.97

-208.09%

Profit After Tax

32.63

612.27

-579.64

-94.67%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

32.63

612.27

-579.64

-94.67%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.54

0.20

0.34

170.0%

Diluted Earnings per share

0.54

0.19

0.35

184.21%

Operating Profit Margin (Excl OI)

19.39%

62.76%

0.00

-43.37%

Gross Profit Margin

-5.44%

10.48%

0.00

-15.92%

PAT Margin

0.92%

7.82%

0.00

-6.90%

Net Interest Margin

4.90%

2.40%

2.50

2.50%

Return on Assets

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 3536.33 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 0.15% vs 0.99% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 10.81% vs 27.77% in Dec 2023

Quarterly - Net Profit

Net Profit 32.63 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -85.34% vs -40.11% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -86.00% vs 11.54% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 996.63 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 9.53% vs 5.91% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 30.24% vs 34.92% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.53%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.26% vs 0.05% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.27% vs -0.38% in Dec 2023

Quarterly - % of Gross NPAs

% of Gross NPAs 2.92%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.04% vs 0.19% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.20% vs -0.49% in Dec 2023