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RBL Bank Ltd Stock Analysis

Mid Cap
Evaluated by 2204 users | BSE: 540065 | NSE: RBLBANK |
Bank - Private

RBL Bank is one of India's fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verticals namely: Corporate & Institutional Banking, Commercial Banking, Branch...

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
RBL Bank Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Net Interest Income (Rs. Cr.)95.21872583425568191,2211,7662,5393,630
Y-o-Y Gr. Rt.33-96.3%37.9%32.7%62.9%47.2%49.1%44.6%43.8%42.9%
Total Income2085321,0061,6132,3563,2354,4695,5767,74310,425
Y-o-Y Gr. Rt.-156.2%89%60.3%46.1%37.3%38.1%24.8%38.9%34.6%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
0.573.063.663.417.069.0111.8915.1320.329.94
Y-o-Y Gr. Rt.-436.8%19.6%-6.8%107%27.6%32%27.3%34.3%-51.1%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
50.4253.1363.4869.2675.9792.02115.53159.25176.85208.01
Y-o-Y Gr. Rt.-5.4%19.5%9.1%9.7%21.1%25.6%37.8%11.1%17.6%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.461.260.920.590.910.881.021.151.220.6
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.360.20.110.310.270.590.640.780.692.05
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
RBL Bank Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income49.9%45.5%43.8%42.9%
Total Income54.5%34.6%32.6%34.6%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
37.4%7.1%-5.8%-51.1%
Book Value per Share
17.1%22.3%21.7%17.6%
Share Price - - -21.4% -26.7%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Interest Earned / Total Income91.0687.3987.4383.8282.8884.8483.0980.8481.3781.68
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)3.022.652.041.952.12.152.592.943.274.27
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)1.725.916.735.3110.0711.2112.1811.5312.195.58
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 34.5421.5119.7220.4318.4718.6421.9824.3224.9829.61
Entity Percentage Holding
Institutions 59.84%
Non-Institutions 40.16%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

MoneyWorks4Me analysed the past 10-year performance of RBL Bank Ltd and arrived at the following conclusion:

Past 10 year's financial track record indicates that RBL Bank Ltd is a average quality company. However, for specific investment actions please connect with your investment advisor.

Data is not available for this company.

Data is not available for this company

RBL Bank is one of India's fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verticals namely: Corporate & Institutional Banking, Commercial Banking, Branch & Business Banking, Retail Assets, Development Banking and Financial Inclusion, Treasury and Financial Markets Operations. It currently services several customers through a very huge network

RBL Bank is one of India's fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verticals namely: Corporate & Institutional Banking, Commercial Banking, Branch & Business Banking, Retail Assets, Development Banking and Financial Inclusion, Treasury and Financial Markets Operations. It currently services several customers through a very huge network spread across Indian States and Union Territories. RBL Bank is listed on both NSE and BSE (RBLBANK).

Business area of the company

The Bank is engaged in the business of banking/financial services.

Products and Services

  • Personal Banking (Accounts, Fixed Deposits, Credit Cards, Loans, Insurance, Investment Services, Demat, Convenience Banking, Ways to Banking, Forex Services)
  • Business Banking (Business, Agri Banking, Micro & Small Business Banking)
  • Wholesale Banking
  • NRI (deposits and money transfer)
  • Insignia
  • Make Payments (Online tax payments, Bill payments, Merchant payments)
  • India Startup Club

Subsidiaries of the company

  • RBL Finserve Limited

Awards

2020

  • Best Core System Project.
  • Best Cloud-Based Project.

2019

  • Digital Payments Award by MeitY for Outstanding Performance in Pos Deployment in Northeast.
  • TISS LeapVault CLO Award for Best Program for Sales Enablement.
  • The Asian Banker Financial Technology Innovation Awards for Best Self Service Banking Initiative, Application.
  • TransUnion CIBIL Awards for Best Data Quality.
  • Asiamoney Awards 2019 for Best Bank for Microfinance in India.
  • 'Silver Award' In the Best Private Sector Bank Category from Outlook Money Awards.
  • Business Today Financial Awards for Best Small Bank.
  • BFSI Digital Innovation Awards 2019 by Express Computers.

2018

  • Aadhaar Excellence Awards 2018 for Opening Highest Percentage of Aadhaar Centres.
  • CNBC Awaaz CEO Awards 2018 for Most Promising Company of the Year.
  • IBLA Awards 2018 for Most Promising Company of the Year.
  • Outlook Money Awards 2018 for Best Bank.
  • Business Today Banking Awards for Best Small Bank.
  • Magna Awards 2018 for Fastest Growing Small-Sized Bank.
  • Magna Awards 2018 for Best Small-Sized Bank.

2017

  • Dun & Bradstreet Banking Awards 2017 for High Growth Private Sector Bank.
  • Magna Awards 2017 for Best Growing Small Bank.
  • VCCircle Awards for Financial Services Company of the Year.
  • IBA Banking Technology Awards.
  • Ernst & Young (EY) Entrepreneur of the Year 2016 India Awards.
  • Awarded the CNBC Asia's India Talent Management Award.
  • Business Today - KPMG, Fastest growing Small Bank.

2016

  • MasterCard Innovation Awards for Best Debit Card Innovations for the India Startup Club Debit Card.
  • IDRBT Banking Technology Excellence Awards for Best Bank - Cyber Defence.
  • The Asian Banker Technology Innovation Awards for Best Corporate Payment Project.
  • Business Today - KPMG, Fastest growing Small Bank for INDIA's Best Overall Bank (Small Category).
  • FE Best Bank Award for Growth Category.

2015

  • IDRBT Banking Technology Excellence Awards for Best Bank - Cyber Defence.
  • A Business Today and KPMG study for Rated as India's Best Bank (Growth) In The Mid-Sized Bank Segment.
  • A Business Today and KPMG study for Rated as India's Best Overall Bank (Small Category).
  • A Business Today and KPMG study for Rated as India's Best Bank (Quality of Assets).
  • Business World-PWC Best Bank Survey for Fastest Growing Small Bank.
  • Dun & Bradstreet Banking Awards for Best Bank - Priority Sector Lending (Private Sector).
  • Finnoviti for Best Esb (Enterprise State Bus) Deployment.
  • IDRBT Banking Technology Excellence Awards for Use of Technology for Financial Inclusion.
  • FE Best Bank Award for Growth Category.

2014

  • Rated as India's Best Bank (Growth) In The Mid-Sized Bank Segment by A Business Today and KPMG study.
  • Recognised As a Global Growth Company by World Economic Forum.
  • Fastest Growing Small Bank by Business World-PWC Best Bank Survey.
  • Dun & Bradstreet Banking Awards for Best Bank - Priority Sector Lending (Private Sector).
  • FE Best Bank Award for Growth Category.

2013

  • Rated as India's Best Bank (Growth) In The Mid-Sized Bank Segment by A Business Today and KPMG study.
  • Fastest Growing Small Bank by Business World-PWC Best Bank Survey.
  • Sunday Standards Best Bankers Award for Best Indian Banker (Small-Sized).

2012

  • Rated as India's Best Bank (Growth) In The Mid-Sized Bank Segment by A Business Today and KPMG study.
  • Asian Banker Technology Implementation Award for the Best Core Banking Project, India.

Milestones

  • 2013-14: New identity adopted ‘RBL Bank’.
  • 2013-14: Successfully raised Rs 328 crore from marquee investors.
  • 2013-14: Acquired the Business Banking, Credit Card and Mortgage business of Royal Bank of Scotland (RBS) in India.
  • 2014-15: Recognised as Global Growth Company by the World Economic Forum’.
  • 2015-16: Successfully raised Rs 488 crore as pre-IPO preferential placement.
  • 2016-17: Successfully concluded the Initial Public Offering (IPO), oversubscribed almost 70 times.
  • 2017-18: Raised Rs 1,680 crore from marquee domestic and international investors.
  • 2018-19: Recognised as the Best Bank for Microfinance in India by Asia Money.
  • 2018-19: Acquired 100% stake in RBL Finserve (Formerly known as Swadhaar Finserve).
  • 2019-20: Successfully raised Rs 2,701 crore from notable investors enhancing the long term capital resource for the Bank.
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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