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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 25-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 17-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 25-Apr-2025   02:06:00
End date and time of board meeting 25-Apr-2025   03:30:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 27994500000 112247600000
Income on investments 5636600000 21474100000
Interest on balances with reserve bank of India and other inter bank funds 546900000 3024500000
Others 588000000 3664900000
Total interest earned 34766000000 140411100000
2 Other income 10013100000 37783800000
3 Total income 44779100000 178194900000
Expenses
4 Interest expenses 19125900000 75761900000
5 Operating expenses
(i) Employees cost 5769900000 21815000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent, taxes and lighting 817200000 3091700000
2 Printing and stationery 64600000 281500000
3 Advertisement and publicity 140700000 831100000
4 Depreciation on Bank's property 614000000 2358400000
5 Director’s fees Allowances and expenses 8200000 46700000
6 Auditors' fees and expenses 5000000 29500000
7 Law Charges 101900000 315700000
8 Postage, Telegrams, Telephones, etc. 217300000 917500000
9 Repairs and maintenance 274100000 1635800000
10 Others 8855600000 34565600000
Total other operating Expenses 11098600000 44073500000
Total Operating Expenses 16868500000 65888500000
6 Total expenditure excluding provisions and contingencies 35994400000 141650400000
7 Operating profit before provision and contingencies 8784700000 36544500000
8 Provisions other than tax and contingencies 7851400000 29586600000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 933300000 6957900000
11 Provision for Tax 63400000 -212700000
12 Net profit (loss) from ordinary activities after tax 869900000 7170600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 869900000 7170600000
15 Share of profit (loss) of associates 0 0
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 869900000 7170600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 6078800000 6078800000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 150611600000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 0 0
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 1.43 11.81
Diluted earnings per share before extraordinary items 1.43 11.76
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 1.43 11.81
Diluted earnings per share after extraordinary items 1.43 11.76
(iv) NPA Ratios
Amount of gross non-performing assets 0 0
Amount of net non-performing assets 0 0
% of gross NPAs 0 0
% of net NPAs 0 0
Return on assets 0 0
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

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


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 6078800000
Reserves and surplus 150616500000
Deposits 1109329000000
Borrowings 137349800000
Other liabilities and provisions 64347000000
Total Capital Liabilities 1467721100000
2 ASSETS
Cash and Balances with Reserve Bank of India 109647600000
Balances with Banks and money at call and short notice 16016200000
Investments 321030900000
Advances 926182700000
Fixed Assets 6038100000
Other Assets 88805600000
Total Assets 1467721100000
Disclosure of notes on assets and liabilities 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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Corporate / Wholesale Banking 17547100000 67152000000
2 Retail Banking 40652700000 161352800000
3 Treasury 24104700000 97179800000
4 Other Banking Operations 985000000 2420300000
5 Capital and Reserves 0 0
Total Segment Revenue 83289500000 328104900000
Less: Inter segment revenue 38510400000 149910000000
Income from operations 44779100000 178194900000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Corporate / Wholesale Banking 3270400000 8299500000
2 Retail Banking -3992600000 -9773900000
3 Treasury 664800000 5229100000
4 Other Banking Operations 985000000 2420200000
5 Capital and Reserves 0 0
Total Profit before tax 927600000 6174900000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income -5700000 -783000000
Profit before tax 933300000 6957900000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Corporate / Wholesale Banking 413213100000 413213100000
2 Retail Banking 532278600000 532278600000
3 Treasury 498688100000 498688100000
4 Other Banking Operations 352700000 352700000
5 Capital and Reserves 0 0
Total Segment Assets 1444532500000 1444532500000
Un-allocable Assets 23188600000 23188600000
Net Segment Assets 1467721100000 1467721100000
4 Segment Liabilities
Segment Liabilities
1 Corporate / Wholesale Banking 444521800000 444521800000
2 Retail Banking 681029500000 681029500000
3 Treasury 184922400000 184922400000
4 Other Banking Operations 89000000 89000000
5 Capital and Reserves 156695300000 156695300000
Total Segment Liabilities 1467258000000 1467258000000
Un-allocable Liabilities 463100000 463100000
Net Segment Liabilities 1467258000000 1467258000000
Disclosure of notes on segments Refer PDF submitted for detailed Notes.




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 2358400000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow -10300000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 33833900000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 36182000000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -128779500000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 79179200000
Adjustments for provisions 0
Total adjustments for working capital -49600300000
Total adjustments for reconcile profit (loss) -13418300000
Net cash flows from (used in) operations -6460400000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 1780300000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items -8240700000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities -8240700000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 76000000
Purchase of tangible assets 2883300000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -2807300000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -2807300000
5 Cash flows from used in financing activities
Proceeds from issuing shares 381600000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings -4502700000
Repayments of borrowings 0
Dividends paid 909600000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -5030700000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -5030700000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes -16078700000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents -16078700000
Cash and cash equivalents cash flow statement at beginning of period 141263700000
Cash and cash equivalents cash flow statement at end of period 125185000000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
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


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date