INTEGRATED FILING — BANKING



General information about company

Scrip code 540065
NSE Symbol RBLBANK
MSEI Symbol NOTLISTED
ISIN INE976G01028
Name of bank RBL BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 19-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Jul-2025   11:37:00
End date and time of board meeting 19-Jul-2025   13:22:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 27724500000 27724500000
Income on investments 5480200000 5480200000
Interest on balances with reserve bank of India and other inter bank funds 679400000 679400000
Others 526800000 526800000
Total interest earned 34410900000 34410900000
2 Other income 10694800000 10694800000
3 Total income 45105700000 45105700000
Expenses
4 Interest expenses 19604300000 19604300000
5 Operating expenses
(i) Employees cost 4746400000 4746400000
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent, taxes and lighting 750300000 750300000
2 Printing and stationery 58700000 58700000
3 Advertisement and publicity 194900000 194900000
4 Depreciation on Bank's property 566100000 566100000
5 Director’s fees Allowances and expenses 4200000 4200000
6 Auditors' fees and expenses 7400000 7400000
7 Law Charges 95600000 95600000
8 Postage, Telegrams, Telephones, etc. 170700000 170700000
9 Repairs and maintenance 477100000 477100000
10 Others 11400500000 11400500000
Total other operating Expenses 13725500000 13725500000
Total Operating Expenses 18471900000 18471900000
6 Total expenditure excluding provisions and contingencies 38076200000 38076200000
7 Operating profit before provision and contingencies 7029500000 7029500000
8 Provisions other than tax and contingencies 4423200000 4423200000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 2606300000 2606300000
11 Provision for Tax 603000000 603000000
12 Net profit (loss) from ordinary activities after tax 2003300000 2003300000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 2003300000 2003300000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 2003300000 2003300000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 6090100000 6090100000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 13.89 13.89
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 3.29 3.29
Diluted earnings per share before extraordinary items 3.26 3.26
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 3.29 3.29
Diluted earnings per share after extraordinary items 3.26 3.26
(iv) NPA Ratios
Amount of gross non-performing assets 26858600000 26858600000
Amount of net non-performing assets 4288200000 4288200000
% of gross NPAs 2.78 2.78
% of net NPAs 0.45 0.45
Return on assets 0.56 0.56
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) Refer PDF submitted for detailed Notes.


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Corporate / Wholesale Banking 17341100000 17341100000
2 Retail Banking 39349800000 39349800000
3 Treasury 26340200000 26340200000
4 Other Banking Operations 483100000 483100000
5 Capital and Reserves 0 0
Total Segment Revenue 83514200000 83514200000
Less: Inter segment revenue 38408500000
Income from operations 45105700000 45105700000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Corporate / Wholesale Banking 1167900000 1167900000
2 Retail Banking -1665200000 -1665200000
3 Treasury 2620600000 2620600000
4 Other Banking Operations 483100000 483100000
5 Capital and Reserves 0 0
Total Profit before tax 2606400000 2606400000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 100000
Profit before tax 2606300000 2606300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Corporate / Wholesale Banking 426655900000 426655900000
2 Retail Banking 536713800000 536713800000
3 Treasury 501142000000 501142000000
4 Other Banking Operations 248100000 248100000
5 Capital and Reserves 0 0
6 Corporate / Wholesale Banking 426655900000 426655900000
7 Retail Banking 536713800000 536713800000
8 Treasury 501142000000 501142000000
9 Other Banking Operations 248100000 248100000
10 Capital and Reserves 0 0
Total Segment Assets 1464759800000 1464759800000
Un-allocable Assets 23505200000 23505200000
Net Segment Assets 1488265000000 1488265000000
4 Segment Liabilities
Segment Liabilities
1 Corporate / Wholesale Banking 481215500000 481215500000
2 Retail Banking 687824900000 687824900000
3 Treasury 160815000000 160815000000
4 Other Banking Operations 51300000 51300000
5 Capital and Reserves 158318100000 158318100000
6 Corporate / Wholesale Banking 481215500000 481215500000
7 Retail Banking 687824900000 687824900000
8 Treasury 160815000000 160815000000
9 Other Banking Operations 51300000 51300000
10 Capital and Reserves 158318100000 158318100000
Total Segment Liabilities 1488224800000 1488224800000
Un-allocable Liabilities 40200000 40200000
Net Segment Liabilities 1488265000000 1488265000000
Disclosure of notes on segments Refer PDF submitted for detailed Notes.






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 KKC & Associates LLP Yes 31-Jul-2027
2 G M KAPADIA & CO Yes 30-Apr-2027


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 148620670000
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 148620670000