RBL Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Mar'19

Interest Earned

14,039.07

12,394.30

9,676.58

8,175.79

8,329.02

8,514.38

6,300.71

Income On Investments

2,147.28

2,034.05

1,625.65

1,347.56

1,363.18

1,372.69

1,093.44

Interest On Balances With Rbi Other Inter Bank Funds

302.45

161.77

265.16

362.11

291.93

191.42

111.24

Interest / Discount On Advances / Bills

11,224.76

9,978.49

7,678.37

6,316.88

6,523.70

6,906.80

5,049.83

Others

364.58

219.99

107.40

149.24

150.21

43.47

46.20

Other Income

3,806.18

3,042.89

2,489.43

2,340.53

1,884.04

1,910.25

1,442.37

Total Income

17,845.25

15,437.19

12,166.01

10,516.32

10,213.06

10,424.63

7,743.08

Interest Expended

7,576.05

6,351.41

4,678.39

4,149.05

4,541.46

4,884.74

3,761.23

Net Interest Income

6,463.02

6,042.89

4,998.19

4,026.74

3,787.56

3,629.64

2,539.48

Total Expenditure (Excl Depreciation)

6,642.41

6,055.03

5,285.17

3,621.96

2,754.58

2,825.57

2,042.02

Employee Cost

1,734.44

1,492.23

1,340.34

1,001.54

845.35

768.43

636.18

Other Operating Expenses

4,907.97

4,562.80

3,944.83

2,620.42

1,909.23

2,057.14

1,405.84

Operating Profit Before Provisions and Contingencies

3,626.79

3,030.75

2,202.45

2,745.31

2,917.02

2,714.32

1,939.83

Exceptional Items

0.00

Provisions and contingencies

2,958.66

1,778.47

1,021.94

2,860.40

2,227.94

1,961.54

640.68

Profit Before Tax

668.13

1,252.28

1,180.51

-115.09

689.08

752.78

1,299.15

Tax

-27.24

84.36

297.78

-40.35

181.30

247.11

432.20

Profit After Tax

695.37

1,167.92

882.73

-74.74

507.78

505.67

866.95

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

695.37

1,167.92

882.73

-74.74

507.78

505.67

866.95

Face Value

10.0

Reserves

14,998.42

14,190.80

12,976.51

12,018.21

12,063.69

10,073.36

7,119.70

Earnings per share (EPS)

11.44

19.3

14.72

-1.25

8.49

9.94

20.32

Diluted Earnings per share

11.4

19.04

14.66

-1.25

9.28

11.1

20.04

Operating Profit Margin (Excl OI)

31.61%

36.8%

34.82%

20.71%

40.18%

43.78%

57.42%

Gross Profit Margin

4.76%

10.1%

12.2%

-1.41%

8.27%

8.84%

20.62%

PAT Margin

4.95%

9.42%

9.12%

-0.91%

6.1%

5.94%

13.76%

Net Interest Margin

0.0%

4.7%

4.45%

4.48%

4.6%

4.14%

Return on Assets

0.0%

CASA (%)

34.1%

35.2%

37.4%

35.8%

31.8%

29.6%

25.0%

CASA Amount

37,886.00

36,449.00

31,717.00

0.00

Capital Adequacy Ratio (Total)

15.54%

16.18%

16.92%

16.82%

17.5%

16.45%

13.46%

Capital Adequacy Ratio (Tier 1)

14.06%

14.38%

15.3%

16.2%

16.6%

15.3%

12.1%

Provision Coverage Ratio (%)

89.0%

72.7%

68.1%

70.4%

52.3%

64.04%

65.3%

Amount of Gross NPAs

2,465.47

2,270.97

2,419.86

2,728.39

2,601.53

2,136.52

754.62

Amount of Net NPAs

270.79

619.30

772.54

806.56

1,241.35

1,189.37

372.74

% of Net NPAs

0.29%

0.74%

1.1%

1.34%

2.12%

2.05%

0.69%

% of Gross NPAs

2.6%

2.65%

3.37%

4.4%

4.34%

3.62%

1.38%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

412.0

395.0

414.0

412.0

389.0

341.0

Number of Branches

561.0

545.0

517.0

502.0

429.0

386.0

324.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2025 is 13.27% vs 28.09% in Mar 2024

Net Profit

YoY Growth in year ended Mar 2025 is -40.46% vs 32.31% in Mar 2024

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 19.67% vs 37.61% in Mar 2024

% of Net NPAs

YoY Growth in year ended Mar 2025 is -0.45% vs -0.36% in Mar 2024

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -0.05% vs -0.72% in Mar 2024

Compare Annual Results Of RBL Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

14,039.07

5,834.04

8,205.03

140.64%

Income On Investments

2,147.28

1,073.35

1,073.93

100.05%

Interest On Balances With Rbi Other Inter Bank Funds

302.45

80.11

222.34

277.54%

Interest / Discount On Advances / Bills

11,224.76

4,672.14

6,552.62

140.25%

Others

364.58

8.44

356.14

4219.67%

Other Income

3,806.18

898.06

2,908.12

323.82%

Total Income

17,845.25

6,732.10

11,113.15

165.08%

Interest Expended

7,576.05

3,518.33

4,057.72

115.33%

Net Interest Income

6,463.02

2,315.71

4,147.31

179.09%

Total Expenditure (Excl Depreciation)

6,642.41

1,535.15

5,107.26

332.69%

Employee Cost

1,734.44

733.00

1,001.44

136.62%

Other Operating Expenses

4,907.97

802.15

4,105.82

511.85%

Operating Profit Before Provisions and Contingencies

3,626.79

1,678.63

1,948.16

116.06%

Exceptional Items

0.00

Provisions and contingencies

2,958.66

262.00

2,696.66

1029.26%

Profit Before Tax

668.13

1,416.63

-748.50

-52.84%

Tax

-27.24

293.00

-320.24

-109.3%

Profit After Tax

695.37

1,123.63

-428.26

-38.11%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

695.37

1,123.63

-428.26

-38.11%

Face Value

10.00

1.00

0.00

Reserves

14,998.42

9,392.52

5,605.90

59.68%

Earnings per share (EPS)

11.44

15.16

-3.72

-24.54%

Diluted Earnings per share

11.40

15.07

-3.67

-24.35%

Operating Profit Margin (Excl OI)

31.61%

69.20%

0.00

-37.59%

Gross Profit Margin

4.76%

24.28%

0.00

-19.52%

PAT Margin

4.95%

19.26%

0.00

-14.31%

Net Interest Margin

0.00%

3.60%

-3.60

-3.60%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

34.10%

0.00%

34.10

34.10%

CASA Amount

37,886.00

18,118.90

19,767.10

109.1%

Capital Adequacy Ratio (Total)

15.54%

23.75%

-8.21

-8.21%

Capital Adequacy Ratio (Tier 1)

14.06%

22.70%

-8.64

-8.64%

Provision Coverage Ratio (%)

89.00%

78.00%

11.00

11.00%

Amount of Gross NPAs

2,465.47

1,638.17

827.30

50.5%

Amount of Net NPAs

270.79

653.07

-382.28

-58.54%

% of Net NPAs

0.29%

1.25%

-0.96

-0.96%

% of Gross NPAs

2.60%

3.09%

-0.49

-0.49%

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

412.00

1,736.00

-1,324.00

-76.27%

Number of Branches

561.00

875.00

-314.00

-35.89%

Annual - Interest Earned

Interest Earned 14039.07 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 13.27% vs 28.09% in Mar 2024

Annual - Net Profit

Net Profit 695.37 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is -40.46% vs 32.31% in Mar 2024

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 3,626.79 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 19.67% vs 37.61% in Mar 2024

Annual - % of Net NPAs

% of Net NPAs 0.29%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is -0.45% vs -0.36% in Mar 2024

Annual - % of Gross NPAs

% of Gross NPAs 2.60%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is -0.05% vs -0.72% in Mar 2024