RBL Bank Ltd.

NSE: RBLBANK BSE: 540065 SECTOR: Bank - Private  92k   661   160

146.75
-4.70 (-3.10%)
NSE: 21 Jan 03:59 PM

Price Summary

Today's High

₹ 151.3

Today's Low

₹ 145.1

52 Week High

₹ 268.8

52 Week Low

₹ 123.8

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

8796.94 Cr.

CASA %

31.82

No. of Shares

59.95 Cr.

P/E

0

P/B

0.72

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  204.38

Net Interest Income

3787.56 Cr.

Cost To Income %

47.12

Promoter Holding

0 %

EPS (TTM)

₹  -3.44

CAR %

17.5

ROE

4.37 %

ROCE

5.77%

Profit Growth

0.42 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Index Presence

The company is present in 32 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year4.37%
3 Year7.38%
5 Year9.17%

ROA%

1 Year0.54%
3 Year0.78%
5 Year0.9%

Net NPA%

1 Year2.12%
3 Year1.62%
5 Year1.26%

 NIM

1 Year3.98%
3 Year3.84%
5 Year3.41%

CAR %

17.5

Cost of Liabilities %

5.24851980855816

PEG Ratio

2.92

Advances Growth %

1.04010391304395

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2021 0 0
Sep 2021 0 0
Jun 2021 0 0
Mar 2021 0 0
Dec 2020 0 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 3.83678513964596% since last 3 years.
  • Other Income is 25.0512207559741% of total income.
  • Good Capital Adequacy Ratio of 17.5%.
  • The company has delivered good Income growth of 22.1460844453983% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.784018639941642%
  • Company has a low ROE of 7.37791644157705% over the last 3 years.
  • High Cost to income ratio of 47.123939821325%.
  • The company has delivered poor Profit Growth of -7.18569044792897% over the past 3 years.
  • Increase in Provision and contingencies of 22.4411904301868% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Interest Earned 2096.68 1979.89 1922.4 2025.83 1974.8
Other Income 418.2 579.87 688.43 694.67 592.85
Interest Expended 1164.61 1071.74 1016.36 1056.33 1059.32
Operating Expenses 668.52 683.21 717.94 856.72 817.35
Total Provisions 487.56 609.76 766.25 1425.67 651.49
Profit Before Tax 194.19 195.05 110.28 -618.22 39.49
Tax 50.03 47.99 34.94 -158.75 8.69
Net Profit 144.16 147.06 75.34 -459.47 30.8
Net NPA % 1.38 0.71 2.12 2.01 2.14
Gross NPA % 3.34 1.84 4.34 4.99 5.4
Return on Assets % 0.62 0.62 0.32 -1.88 0.12
NPM % 6.88 7.43 3.92 -22.68 1.56

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 3713.16 4507.57 6300.71 8514.38 8214.54
Other Income 755.46 1068.19 1442.37 1910.25 2057.84
Interest Expended 2491.82 2741.28 3761.23 4884.74 4426.98
Operating Expenses 1056.39 1503.41 2042.02 2825.56 2754.59
Total Provisions 238.92 364.52 640.68 1961.54 2401.74
Profit Before Tax 681.49 966.55 1299.15 752.78 689.08
Taxes 235.44 331.46 432.2 247.11 181.3
Net Profit 446.05 635.09 866.95 505.67 507.78
Adjusted EPS (Rs.) 11.89 15.13 20.32 9.94 8.49

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 375.2 419.67 426.71 508.7 598.02
Total Reserves 3960.37 6264.3 7120.5 10073.84 12063.93
Deposits 34588.09 43902.26 58394.42 57812.22 73121.27
Borrowings 7979.76 9261.44 11832.07 17006.73 11225.89
Other Liabilities 1771.35 2003.08 2585.02 3575.87 3640.87
Total Liabilities 48674.77 61850.76 80358.82 88977.77 100650.61
Assets
Balance with RBI 2947.93 2589.33 4839.52 6415.08 6704.7
Balance with Banks 1245.72 1695.11 1762.59 2442.1 6719.51
Investments 13481.71 15447.5 16840.36 18149.74 23230.42
Advances 29449.04 40267.84 54308.24 58019.05 58622.51
Net Block 224.16 302.71 362.54 407.67 442.36
Other Assets 1291.67 1516.97 2205.62 3482.04 4907
Total Assets 48674.77 61850.76 80358.82 88977.77 100650.61
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Promoters 0.00 0.00 0.00 0.00 0.00
PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Investors 100.00 100.00 100.00 100.00 100.00

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

RBL Bank informs about press release10 Jan 2022, 10:00AM RBL Bank collaborates with Google to advance next generation customer experience10 Jan 2022, 9:02AM RBL Bank’s gross advances rise 5% in Q3FY22 6 Jan 2022, 9:50AM RBL Bank’s total deposits up 10% in Q3FY223 Jan 2022, 10:22AM RBL Bank informs about press release3 Jan 2022, 9:51AM RBL Bank extends co-brand credit card partnership with Bajaj Finance 28 Dec 2021, 9:01AM RBL Bank raises Rs 5.20 crore through CSR initiative21 Dec 2021, 12:26PM RBL Bank authorised by RBI to collect indirect taxes20 Dec 2021, 11:17AM RBL Bank informs about analyst meet 9 Dec 2021, 4:49PM RBL Bank informs about allotment of equity shares20 Nov 2021, 12:38PM RBL Bank informs about press release18 Nov 2021, 3:36PM RBL Bank gets authority by RBI to collect Direct and Indirect Taxes18 Nov 2021, 2:43PM RBL Bank reports 94% fall in Q2 consolidated net profit29 Oct 2021, 12:02PM RBL Bank working on new digital platform: Report19 Oct 2021, 3:56PM RBL Bank informs about details of loss of share certificate 16 Oct 2021, 12:55PM RBL Bank’s total deposits up 17% in Q2FY227 Oct 2021, 2:26PM RBL Bank informs about analyst meet28 Sep 2021, 3:55PM RBL Bank informs about disclose28 Sep 2021, 9:52AM RBI imposes penalty of Rs 2 crore on RBL Bank28 Sep 2021, 9:33AM RBL Bank starts issuing credit cards to new customers on Visa’s payment network15 Sep 2021, 2:02PM RBL Bank informs about press release15 Sep 2021, 9:57AM RBL Bank informs about press release11 Aug 2021, 2:39PM RBL Bank accredited as ‘Agency Bank’ to RBI 11 Aug 2021, 2:34PM RBL Bank selects AWS to accelerate artificial intelligence efforts 9 Aug 2021, 12:39PM RBL Bank reports consolidated net loss of Rs 462 crore in Q1 3 Aug 2021, 11:29AM RBL Bank informs about analyst meet29 Jul 2021, 3:53PM RBL Bank enters into agreement with Visa Worldwide to issue credit cards15 Jul 2021, 5:17PM RBL Bank informs about analyst meet24 Jun 2021, 11:25AM RBL Bank informs about allotment equity shares under ESOP19 Jun 2021, 3:35PM RBL Bank informs about analyst meet8 Jun 2021, 1:02PM RBL Bank informs about analyst meet2 Jun 2021, 2:30PM RBL Bank reports 34% fall in Q4 consolidated net profit5 May 2021, 10:34AM RBL Bank partners with Mastercard 15 Apr 2021, 2:38PM RBL Bank targets more small businesses after tie-up with Tide 7 Apr 2021, 9:11AM RBL Bank logs 26% growth in deposits during Q4FY216 Apr 2021, 12:42PM RBL Bank informs about allotment of equity shares under ESOP scheme11 Mar 2021, 2:38PM RBL Bank informs about cessation of independent director 18 Dec 2020, 11:07AM RBL Bank, ICICI Prudential Life Insurance enter into bancassurance partnership9 Dec 2020, 4:34PM RBL Bank opens additional branch in Delhi8 Dec 2020, 5:13PM RBL Bank to hold virtual cyclothon to raise funds for girl child education26 Nov 2020, 5:11PM RBL Bank reports over 2-fold jump in Q2 consolidated net profit28 Oct 2020, 5:14PM RBL Bank partners with Zenpay Solutions20 Oct 2020, 2:52PM RBL Bank reports marginal rise in total deposits in Q28 Oct 2020, 10:46AM RBL Bank launches cardless cash withdrawal facility from ATMs4 Sep 2020, 9:56AM RBL Bank’s CEO offloads shares worth Rs 38.50 crore29 Aug 2020, 1:48PM RBL Bank reports 42% fall in Q1 consolidated net profit29 Jul 2020, 3:56PM RBL Bank gives training, order to make 70k face masks to low-income women entrepreneurs13 Jul 2020, 12:24PM RBL Bank adds host of new features to ‘RBL Cares’29 Jun 2020, 2:02PM RBL Bank expecting dip in new credit cards, spends in FY2118 May 2020, 11:54AM RBL Bank informs about analyst meet 15 May 2020, 1:01PM

RBL Bank Stock Price Analysis and Quick Research Report. Is RBL Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how RBL Bank is performing and if it is the right time to buy the stock of RBL Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. RBL Bank has earned Rs 8214.541 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 22.1460844453983 % in last 3 Years.

  • In terms of advances, the bank reported 1.04010391304395 % YOY,  rise . If you see 3 years advance growth, it stands at 13.3362106354142 %.

  • Currently the company has a CASA ratio of 31.8159273008407 %. It’s overall cost of liability stands at 5.24851980855816 %. Also, the total deposits from these accounts stood at Rs 73121.2747 Cr.

  • The Bank has a average ROA track record. The ROA of RBL Bank is at 0.535556858443041 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.34 % and 2.12 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 22.4411904301868 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of RBL Bank surged and is currently at Rs 2057.8428 Cr.

  • The company has a Good Capital Adequacy Ratio of 17.5 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently RBL Bank is trading at a P/B of 0.7148 . The historical average PB was 2.55149276993822.

Brief about RBL Bank

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