5400652022-04-012022-06-305400652022-06-305400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses1Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses2Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses3Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses4Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses5Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses6Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses7Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses8Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses9Member5400652022-04-012022-06-30in-bse-fin:OtherOperatingExpenses10Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments1Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments2Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments3Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments4Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments1Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments2Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments3Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments4Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments1Member5400652022-06-30in-bse-fin:ReportableSegments1Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments2Member5400652022-06-30in-bse-fin:ReportableSegments2Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments3Member5400652022-06-30in-bse-fin:ReportableSegments3Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments4Member5400652022-06-30in-bse-fin:ReportableSegments4Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments1Member5400652022-06-30in-bse-fin:ReportableSegments1Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments2Member5400652022-06-30in-bse-fin:ReportableSegments2Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments3Member5400652022-06-30in-bse-fin:ReportableSegments3Member5400652022-04-012022-06-30in-bse-fin:ReportableSegments4Member5400652022-06-30in-bse-fin:ReportableSegments4Memberiso4217:INRxbrli:pureiso4217:INRxbrli:shares540065RBLBANKINE976G01028RBLBANKBanking FormatEquity2022-04-012023-03-312022-07-212022-07-15INRLakhsFirst quarterMulti segment2022-07-2114:10:002022-07-2115:33:00Not applicable2022-04-012022-06-30UnauditedConsolidated17143800000358810000011334000001602000002202550000061397000002816520000010616800000389990000082823000001218220000022799000000536620000025300000000283620000074960000020866000000208660000000208660000059952000001000.172703.483.483.483.482536870000069713000000.04080.01160.0075Notes:1.The above financial results are prepared in accordance with the principle set out in Accounting Standard 21 - Consolidated Financial Statements as prescribed by The Institute of Chartered Accountants of India. These financial results are reviewed by the Audit Committee and subsequently approved by the Board of Directors of the Bank at its meeting held at Mumbai on July 21, 2022. 2.The financial results for the quarter ended June 30, 2022 have been subjected to a “Limited Review” by the statutory auditor. The report issued thereon is unmodified. The financial results for the quarter ended June 30, 2021 were “Limited Reviewed” by Haribhakti & Co. LLP, Chartered Accountants, on which they had issued an unmodified opinion. The financial result for the year ended March 31, 2022 was conducted by joint auditors.3.The figures of the last quarter for the previous year are the balancing figures between audited figures in respect of the full financial year and the unaudited published year to date figures up to the third quarter4.The Bank has applied its significant accounting policies, in the preparation of these financial results, consistent with those followed in the annual financial statements for the year ended March 31, 2022, except for its stock based employee compensation plan. W.e.f. April 1, 2022, the Bank has changed its accounting policy from intrinsic value method to Fair value method for valuation of stock options granted after March 31, 2021, to all employees. Hitherto, the bank had covered only ‘Whole Time Directors/Chief Executive Officers/Material Risk Takers and Control Function Staff’ to comply with The Reserve Bank of India, clarification dated August 30, 2021, on guidelines on Compensation of Whole Time Directors/CEO/Material Risk Takers and Control Function Staff. The fair value of stock options is estimated on the date of grant using the Black-Scholes model and is recognised as employee expense over the vesting period. The change in the accounting policy results in recognition of additional ‘Employee Cost’ of ` 17.23 crore in this quarter, related to the earlier period.5.The consolidated financial results of the group comprise the financial results of RBL Bank Limited and its wholly owned subsidiary RBL Finserve Limited (RFL). 6. Other income includes commission income from non-fund based banking activities, fees, earnings from foreign exchange and derivative transactions, profit and loss (including revaluation) from investments. <BR> Rent, taxes and lighting641400000Printing and stationery51900000Advertisement and publicity154600000Depreciation on Bank's property506000000Director’s fees Allowances and expenses11300000Auditors' fees and expenses8200000Law Charges53500000Postage, Telegrams, Telephones, etc.130700000Repairs and maintenance556800000Other Expenditure6167900000Corporate / Wholesale Banking10069500000Retail Banking23578500000Treasury15121100000Other Banking Operations1287000000500561000002189090000028165200000Corporate / Wholesale Banking515100000Retail Banking1032200000Treasury1062600000Other Banking Operations22600000028359000000-3000002836200000Corporate / Wholesale Banking314595200000Retail Banking300600900000Treasury439530400000Other Banking Operations-3258000001054400700000225854000001076986100000Corporate / Wholesale Banking325900700000Retail Banking461719100000Treasury160861100000Other Banking Operations5066000009489875000002838000009492713000007.The financial results are arrived after considering provision for standard assets including requirements for exposures to entities with Un-hedged Foreign Currency Exposures, Non-Performing Assets (NPAs), and depreciation on investments, income-tax and other necessary provisions. 8.Payment to business correspondents for service such as sourcing of loans, servicing from customers and other related services is netted off from interest earned (interest/discount on advances/bill).9.During the quarter ended June 30, 2022, the Bank allotted 1,200 shares pursuant to the exercise of stock options under its Employees Stock Option Scheme.10.COVID – 19 pandemic has contributed to increase in volatility and an un-precedented level of disruption on social economic activities. India is emerging from the COVID-19 pandemic. The extent to which any new wave of COVID-19 will impact the Bank's results will depend on ongoing as well as future developments, including, among other things, any new information concerning the severity of the COVID-19 pandemic, and any action to contain its spread or mitigate its impact whether government-mandated or elected by us. 11.In accordance with RBI guidelines, consolidated Pillar 3 disclosure, leverage ratio, liquidity coverage ratio and net stable funding ratio is available on the Bank’ website at the following link: http://www.rblbank.com/BaselDisclosures.aspx. These disclosures have not been subjected to audit or review by the Statutory Auditor.12.The business operations of the Group are largely concentrated in India and for the purpose of segment reporting, the Group is considered to operate only in domestic segment. <BR>