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| 26 January, 2021, 04:44 PM IST | E-Paper
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RBL Bank Ltd.

  • 222.75-10.05 (-4.32%)
  • Volume: 2,37,71,720
  • Closed
  • Last Updated On: 25 Jan, 2021, 04:04 PM IST
  • Overview
  • News
  • Financials
  • Technicals
  • Peers
  • Shareholdings
  • MF
  • F&O
  • Corporate Actions
  • About

Insights

View All
  • Meeting Agenda: Quarterly Results. Please add to watchlist to track closely.

  • The loan book growth rate of RBL Bank Ltd. has been continously declining over the last 5 years. (Source: Standalone Financials)

  • Company is able to expand its net interest margin on a continuous basis over the last 3 years with margins of 4.37% in last year. (Source: Consolidated Financials)

  • 200 day moving crossover appeared yesterday. Average price decline of -10.85% within 30 days of this signal in last 5 years.

InsightsRBL Bank Ltd.

  • Board Meeting on Jan 28, 2021

    Meeting Agenda: Quarterly Results. Please add to watchlist to track closely.

  • Loan Book Growth - Downtrend

    The loan book growth rate of RBL Bank Ltd. has been continously declining over the last 5 years. (Source: Standalone Financials)

  • Net Interest Margin - Uptrend

    Company is able to expand its net interest margin on a continuous basis over the last 3 years with margins of 4.37% in last year. (Source: Consolidated Financials)

  • Sell Signal: Bears on the prowl

    200 day moving crossover appeared yesterday. Average price decline of -10.85% within 30 days of this signal in last 5 years.

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Key Metrics

  • PE Ratio

    PE Ratio

    This is a ratio arrived at by dividing the current market price of a stock by its latest (annual or annualized) earnings per share. Here we have taken the TTM (trailing twelve months) adjusted earnings per share.

    (x)
    27.27
  • EPS - TTM

    EPS - TTM

    Earnings per share (TTM) tells the profit after tax earned on a per share basis by a stock over the last twelve months or four quarters.

    (₹)
    8.17
  • MCap

    MCap

    MCap or Market capitalization of a stock is calculated by multiplying the total number of shares outstanding of that particular stock with its current market price.

    (₹ Cr.)
    13,314.97
  • Sectoral MCap Rank

    Sectoral MCap Rank

    This is the ranking of a company within its sector based on MCap or Market capitalization. Higher the market capitalization of a company, higher the rank it is assigned.

    20
  • PB Ratio

    PB Ratio

    Price to Book represents the ratio of current market price of a stock to its book value per share. The book value itself is arrived at by dividing the net worth of a company by the total number of shares outstanding of the company at that time.

    (x)
    1.32
  • Div Yield

    Dividend Yield

    Dividend Yield calculates the amount of full year dividend declared by a company as a percentage of the current market price of a stock. All other things being equal, higher the dividend yield of the stock, the better it is for investors.

    (%)
    0.67
  • Face Value

    Face Value

    Face value of a stock is the value ascribed to the stock as per the balance sheet of the company. The dividend declared by a company is usually declared as a percentage of face value.

    (₹)
    10.00
  • Beta

    Beta

    1 Month3.45
    3 Months2.28
    6 Months1.75
    1 Year1.50
    3 Years-

    3.45
  • VWAP

    VWAP

    Volume Weighted Average Price represents the average price of a security over a particular time period (example one trading day) weighted by the volume traded at each price point.

    (₹)
    226.49
  • 52W H/L

    52W H/L

    This represents the 52 week high and low price of the security. It is also the 1 year high and low of the security. This represents the highest and lowest price touched by the security during the past 52 weeks or 1 year including today.

    (₹)
    346.95 / 101.55

Returns

  • 1 Day-4.32%
  • 1 Week-8.86%
  • 1 Month1.09%
  • 3 Months25.25%
  • 1 Year-32.44%
  • 3 Years-56.36%
  • 5 YearsN.A.

Financials

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Insights

    • Net Interest Margin - Uptrend

      Company is able to expand its net interest margin on a continuous basis over the last 3 years with margins of 4.37% in last year. (Source: Consolidated Financials)
    Quarterly | AnnualSep 2020Jun 2020Mar 2020Dec 2019Sep 2019
    Total Income2,613.892,654.882,782.772,713.412,633.65
    Total Income Growth (%)-1.54-4.602.563.032.60
    Provisions & Contingencies525.57500.16614.08638.29533.30
    Provisions & Contingencies Growth (%)5.08-18.55-3.7919.69150.16
    Profit after Tax (PAT)152.43154.42114.8566.4953.42
    PAT Growth (%)-1.2934.4572.7324.47-79.87
    Gross NPA (%)3.343.453.623.332.60
    Net NPA (%)1.381.652.052.071.56
    Net Profit Margin (%)5.835.824.132.452.03
    Basic EPS (₹)3.003.042.261.491.24
    Quarterly | AnnualSep 2020Jun 2020Mar 2020Dec 2019Sep 2019
    Total Income2,533.472,568.322,708.772,644.302,567.68
    Total Income Growth (%)-1.36-5.192.442.982.55
    Provisions & Contingencies525.57500.16614.08638.29533.30
    Provisions & Contingencies Growth (%)5.08-18.55-3.7919.69150.16
    Profit after Tax (PAT)144.16141.22114.3669.9554.31
    PAT Growth (%)2.0823.4963.4928.80-79.66
    Gross NPA (%)3.343.453.623.332.60
    Net NPA (%)1.381.652.052.071.56
    Net Profit Margin (%)5.695.504.222.652.12
    Basic EPS (₹)2.832.782.251.561.26
    Quarterly | Annual FY 2020 FY 2019 FY 2018
    Total Income10,696.697,743.065,630.30
    Total Income Growth (%)38.1537.5326.00
    Provisions & Contingencies2,246.021,077.15702.11
    Provisions & Contingencies Growth (%)108.5153.4248.01
    Profit after Tax (PAT)500.18857.84631.67
    PAT Growth (%)-41.9334.7643.30
    Net Interest Margin (%)4.373.162.94
    Net Profit Margin (%)5.6913.6113.84
    Basic EPS (₹)11.0420.2515.70
    Quarterly | Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Total Income10,424.637,743.085,575.754,468.623,234.85
    Total Income Growth (%)34.6338.8724.7838.1437.27
    Provisions & Contingencies2,245.961,072.88695.98474.36249.93
    Provisions & Contingencies Growth (%)109.3454.1546.7289.8063.41
    Profit after Tax (PAT)505.67866.95635.09446.05292.49
    PAT Growth (%)-41.6736.5142.3852.5041.18
    Net Interest Margin (%)4.073.162.852.502.09
    Net Profit Margin (%)5.9313.7514.0812.0110.65
    Basic EPS (₹)11.1620.4715.7912.599.60

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Loan Book Growth - Downtrend

      The loan book growth rate of RBL Bank Ltd. has been continously declining over the last 5 years. (Source: Standalone Financials)
    Annual FY 2020 FY 2019 FY 2018
    Advances58,005.5754,308.2440,267.84
    Advances Growth (%)6.8134.8736.74
    Deposits57,812.0158,357.6343,883.10
    Deposits Growth (%)-0.9332.9826.87
    Total Equity10,564.937,534.796,699.37
    Total Equity Growth (%)40.2212.4754.49
    Gross NPA (%)---
    Net NPA (%)---
    Capital Adequacy Ratios (%)---
    Contingent Liabilities73,657.9761,302.5952,814.12
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Advances58,019.0554,308.2440,267.8429,449.0421,229.08
    Advances Growth (%)6.8334.8736.7438.7246.92
    Deposits57,812.2258,394.4243,902.2634,588.0924,348.65
    Deposits Growth (%)-1.0033.0126.9342.0542.40
    Total Equity10,582.957,547.326,683.974,335.582,988.24
    Total Equity Growth (%)40.2212.9254.1745.0934.04
    Gross NPA (%)3.621.381.401.200.98
    Net NPA (%)2.051.380.780.640.59
    Capital Adequacy Ratios (%)16.4513.4615.3313.7212.94
    Contingent Liabilities73,653.7961,302.5951,395.9341,904.4629,718.22

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Increase in Cash from Investing

      Company has used Rs 222.79 cr for investing activities which is an YoY increase of 10.45%. (Source: Consolidated Financials)
    Annual FY 2020 FY 2019 FY 2018
    Net Cash flow from Operating Activities-5,172.5678.24-2,556.01
    Net Cash used in Investing Activities-222.79-201.71-165.19
    Net Cash flow from Financing Activities7,697.852,566.642,994.03
    Net Cash Flow2,302.502,443.18272.84
    Closing Cash & Cash Equivalent8,225.985,923.483,480.31
    Closing Cash & Cash Equivalent Growth (%)38.8770.209.91
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Net Cash flow from Operating Activities-5,084.09-30.89-2,527.813,433.65-4,384.20
    Net Cash used in Investing Activities-205.57-190.41-162.19-142.18-60.43
    Net Cash flow from Financing Activities7,697.672,566.642,994.79-1,656.144,039.88
    Net Cash Flow2,408.012,345.34304.801,635.33-404.75
    Closing Cash & Cash Equivalent8,224.595,816.583,471.243,166.441,531.11
    Closing Cash & Cash Equivalent Growth (%)41.4067.579.63106.81-20.91

    All figures in Rs Cr, unless mentioned otherwise

  • Annual FY 2020 FY 2019 FY 2018
    Return on Equity (%)4.7311.389.45
    Return on Assets (%)0.561.061.02
    Cost to Income (%)49.6540.3039.96
    Interest income to Earning assets (%)9.867.837.37
    Interest Expense to Earning assets (%)5.484.674.42
    Price to Earnings (x)13.8133.9031.75
    Price to Book (x)0.653.863.00
    Price to Sales (x)0.794.614.39
    Operating Profit Margin (%)-16.15-9.19-9.41
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Return on Equity (%)4.7711.489.5010.299.78
    Return on Assets (%)0.561.071.020.910.74
    Cost to Income (%)48.2940.2239.4434.2531.44
    Interest income to Earning assets (%)9.567.847.287.627.00
    Interest Expense to Earning assets (%)5.484.684.435.114.91
    Price to Earnings (x)13.6633.5631.5541.67-
    Price to Book (x)0.653.852.994.28-
    Price to Sales (x)0.814.614.444.99-
    Operating Profit Margin (%)-16.49-9.13-9.60-8.33-7.21

Financial InsightsRBL Bank Ltd.

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
    • Net Interest Margin - Uptrend

      Company is able to expand its net interest margin on a continuous basis over the last 3 years with margins of 4.37% in last year. (Source: Consolidated Financials)

    • Loan Book Growth - Downtrend

      The loan book growth rate of RBL Bank Ltd. has been continously declining over the last 5 years. (Source: Standalone Financials)

    • Increase in Cash from Investing

      Company has used Rs 222.79 cr for investing activities which is an YoY increase of 10.45%. (Source: Consolidated Financials)

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Technicals

  • Buy / Sell Signals
  • Price Analysis
  • Pivot Levels & ATR
  • Chart
  • Bullish / Bearish signals for RBL Bank Ltd. basis selected technical indicators and moving average crossovers.

    50 Day EMA Crossover

    Bearish signal on daily chart

    Appeared on: 25 Jan 2021

    50D EMA: 232.03

    Last 4 Sell Signals:21 Dec 2020
    Date30 days Gain/Loss %
    21 Dec 2020-4.26%
    26 Oct 2020-3.93%
    12 Oct 2020-5.23%
    7 Oct 2020-2.74%

    Average price decline of -5.92% within 30 days of Bearish signal in last 5 years

    200 Day EMA Crossover

    Bearish signal on daily chart

    Appeared on: 25 Jan 2021

    200D EMA: 223.61

    Last 4 Sell Signals:21 Dec 2020
    Date30 days Gain/Loss %
    21 Dec 2020-4.26%
    15 Jul 2019-41.84%
    15 Feb 2019-0.83%
    19 Oct 2018-13.42%

    Average price decline of -10.85% within 30 days of Bearish signal in last 5 years

    Stochastic Crossover

    Bearish signal on weekly chart

    Appeared on: 22 Jan 2021

    Region: Equlibrium

    Last 4 Sell Signals:18 Dec 2020
    Date7 weeks Gain/Loss %
    18 Dec 2020-13.13%
    30 Oct 2020-0.17%
    11 Sep 2020-14.54%
    17 Jul 2020-5.16%

    Average price decline of -7.20% within 7 weeks of Bearish signal in last 10 years

    Show More
  • 46%
    Positive Movement since
    1st Jan 2005 on basis
    54%
    Negative Movement since
    1st Jan 2005 on basis
    Exclude
  • Pivot Levels

    R1R2R3PIVOTS1S2S3
    Classic235.80248.85270.75226.95213.90205.05183.15

    Average True Range

    5 DAYS14 DAYS28 DAYS
    ATR15.1012.2911.08

Peer Comparison

  • Stock Performance
  • Ratio Performance
  • Insights

    • Stock Returns vs Nifty Midcap 100

      Stock gave a 3 year return of -56.36% as compared to Nifty Midcap 100 which gave a return of 0.95%. (as of last trading session)
    • Stock Returns vs Nifty Bank

      Stock generated -56.36% return as compared to Nifty Bank which gave investors 13.56% return over 3 year time period. (as of last trading session)
    • 1D
    • 1W
    • 1M
    • 3M
    • 6M
    • 1Y
    • 5Y
  • Insights

    • Stock Returns vs Nifty Midcap 100

      Stock gave a 3 year return of -56.36% as compared to Nifty Midcap 100 which gave a return of 0.95%. (as of last trading session)
    • Stock Returns vs Nifty Bank

      Stock generated -56.36% return as compared to Nifty Bank which gave investors 13.56% return over 3 year time period. (as of last trading session)

    Ratio Performance

    NAMEP/E (x)P/B (x)ROE %ROA %Rev CAGR [3Yr]OPMNPMNIM %Cost to Income %Interest income to Earning assets %Net NPA %Capital Adequacy Ratio %
    RBL Bank27.271.264.730.5633.38-16.155.694.3749.659.862.0516.45
    IDFC First Bank-20.251.77-18.45-1.9022.98-28.11-17.504.0358.8810.880.9413.38
    Federal Bank9.660.9510.660.8616.00-2.4211.622.6733.877.411.3114.35
    City Union Bank31.412.428.990.959.75-4.8811.423.3638.758.382.2916.76
    CSB Bank33.141.960.700.062.27-13.830.843.1346.278.001.9122.46
    Add More
    Annual Ratios (%)

    Choose from Peers

    • DCB Bank
    • Karur Vysya Bank
    • J&K Bank
    • Karnataka Bank
    • South Indian Bnk

    Choose from Stocks

    Peers InsightsRBL Bank Ltd.

    • Stock Returns vs Nifty Midcap 100

      Stock gave a 3 year return of -56.36% as compared to Nifty Midcap 100 which gave a return of 0.95%. (as of last trading session)

    • Stock Returns vs Nifty Bank

      Stock generated -56.36% return as compared to Nifty Bank which gave investors 13.56% return over 3 year time period. (as of last trading session)

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    Shareholding Pattern

    • QOQ Change
    • Total Shareholdings
    • Showing Shareholding as on 31 Dec 2020
      Category31 Dec 202030 Sep 202030 Jun 202031 Mar 2020
      Promoters0.000.000.000.00
      Pledge0.000.000.000.00
      FII37.5730.6232.1028.35
      DII21.9018.7119.1927.21
      Mutual Funds12.5012.2112.2619.94
      Others40.5350.6748.7144.44
    • Showing Shareholding as on 31 Dec 2020
      CategoryNo. of SharesPercentage% Change QoQ
      FII22,45,94,45737.57 %6.95
      DII13,09,25,11421.90 %3.19
      MF7,47,18,65312.50 %0.29
      Others24,22,34,22540.53 %-10.14

    MF Ownership

    MF Ownership as on 31 December 2020

    F&O Quote

    • Futures
    • Options
      • Expiry

      Price

      222.35-6.95 (-3.03%)

      OpenHighLowPrev CloseContracts TradedTurnover (₹ Lakhs)
      234.90237.85215.50229.3012,03378,560.32

    Corporate Actions

    • Board Meeting/AGM
    • Dividends
    • Others
    • Meeting DateAnnounced onPurposeDetails
      Jan 28, 2021Jan 14, 2021Board MeetingQuarterly Results
      Oct 28, 2020Oct 12, 2020Board MeetingQuarterly Results
      Sep 12, 2020Aug 20, 2020EGM-
      Aug 20, 2020Aug 18, 2020Board MeetingPreferential Issue of shares
      Jul 28, 2020Jul 16, 2020Board MeetingQuarterly Results
    • TypeDividendDividend per ShareEx-Dividend DateAnnounced on
      Interim15%1.5Mar 23, 2020Mar 12, 2020
      Final27%2.7Jul 01, 2019Apr 18, 2019
      Final21%2.1Jul 26, 2018Apr 27, 2018
      Final18%1.8Jul 27, 2017May 02, 2017
      Final10%1.0-May 14, 2009
    • All TypesEx-DateRecord DateAnnounced onDetails
      Rights-Dec 17, 2005Dec 03, 2005Rights ratio: 1 share for every 1 held at a price of Rs 100.0

    About RBL Bank

    RBL Bank Ltd., incorporated in the year 1943, is a banking company (having a market cap of Rs 13314.97 Crore).RBL Bank Ltd. key Products/Revenue Segments include Interest & Discount on Advances & Bills which contributed Rs 6906.80 Crore to Sales Value (81.11 % of Total Sales), Income From Investment which contributed Rs 1372.69 Crore to Sales Value (16.12 % of Total Sales), Interest On Balances with RBI and Other Inter-Bank Funds which contributed Rs 191.42 Crore to Sales Value (2.24 % of Total Sales) and Interest which contributed Rs 43.47 Crore to Sales Value (0.51 % of Total Sales)for the year ending 31-Mar-2020. Show More

    • Executives
    • Auditors
    • AP

      Amrut Palan

      Chief Financial Officer
      AG

      Andrew Gracias

      Head
      BM

      Brijesh Mehra

      Head
      DS

      D Sivanandhan

      Independent Director
      Show More
    • BSR & Co. LLP

    Key Indices Listed on

    Nifty Bank, Nifty Midcap 50, Nifty Midcap 100, + 22 more

    Address

    1st Lane,Shahupuri,Kolhapur, Maharashtra - 416001

    RBL Bank Share Price Update

    RBL Bank Ltd. share price moved down by -4.32% from its previous close of Rs 232.80. RBL Bank Ltd. stock last traded price is 222.75

    Share PriceValue
    Today/Current/Last222.75
    Previous Day232.80

    Trending in Markets

    DATA SOURCES: TickerPlant (for live BSE/NSE quotes service) and Dion Global Solutions Ltd. (for corporate data, historical price & volume, F&O data). Sensex & BSE Quotes and Nifty & NSE Quotes are real-time and licensed from BSE and NSE respectively. All timestamps are reflected in IST (Indian Standard Time).

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