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The above financial results have been 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 October 22, 2022. 2. These results for the quarter and half year ended September 30, 2022 have been subjected to a "Limited Review" by the joint statutory auditors – CNK & Associates LLP, Chartered Accountants and GM Kapadia & Co., Chartered Accountants who have issued an unmodified review report thereon. The financial results for the quarter ended June 30, 2022 were reviewed by CNK & Associates LLP, Chartered Accountants on which they had issued an unmodified conclusion. The financial results for the quarter / half year ended September 30, 2021 and for the year ended March 31, 2022 were reviewed / audited by joint statutory auditors (CNK & Associates LLP, Chartered Accountants and Haribhakti & Co. LLP, Chartered Accountants) on which they had issued an unmodified conclusion /opinion respectively. 3. 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 Rs 17.23 crore related to the earlier period. 4. The consolidated financial results of the group comprise the financial results of RBL Bank Limited and its wholly owned subsidiary RBL Finserve Limited (RFL).2022-04-012022-09-30UnauditedConsolidated347829000007764200000171030000040230000044659700000119886000005664830000021730100000809890000016470000000245689000004629900000010349300000494500000005404300000144260000039617000000396170000000396170000059952000001000.169106.616.66.616.600000Rent, taxes and lighting682400000Printing and stationery56900000Advertisement and publicity102600000Depreciation on Bank's property499400000Director’s fees Allowances and expenses10900000Auditors' fees and expenses2200000Law Charges50000000Postage, Telegrams, Telephones, etc.98900000Repairs and maintenance531100000Other Expenditure6153300000Rent, taxes and lighting1323900000Printing and stationery108800000Advertisement and publicity257200000Depreciation on Bank's property1005400000Director’s fees Allowances and expenses22300000Auditors' fees and expenses10400000Law Charges103400000Postage, Telegrams, Telephones, etc.229600000Repairs and maintenance1087900000Other Expenditure123211000005995200000123762000000794044700000107808200000419369000001073547000000522843000005753360000025668040000062921140000061730000007166430000010735470000005. Other Income includes commission income from non-fund based banking activities, fees, earnings from foreign exchange and derivative transactions, and profit and loss (including revaluation) from investments. 6. 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 provision on investments, income-tax and other necessary provisions. 7. 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). 8. During the quarter and half year ended September 30, 2022, the Bank allotted 3,000 and 4,200 shares respectively pursuant to the exercise of stock options under its Employees Stock Option Scheme.Corporate/ Wholesale Banking11079900000Retail Banking23977600000Treasury15389400000Other Banking Operations1015700000Capital and Reserves0Corporate/ Wholesale Banking21149400000Retail Banking47556100000Treasury30510500000Other Banking Operations2302700000Capital and Reserves05146260000010151870000022979500000448704000002848310000056648300000Corporate/ Wholesale Banking706200000Retail Banking1285800000Treasury595700000Other Banking Operations-17900000Capital and Reserves0Corporate/ Wholesale Banking1221300000Retail Banking2318000000Treasury1658300000Other Banking Operations208100000Capital and Reserves025698000005405700000001700000140000025681000005404300000Corporate/ Wholesale Banking322367800000Retail Banking319633900000Treasury406612100000Other Banking Operations-462400000Capital and Reserves01048151400000253956000001073547000000Corporate/ Wholesale Banking332295400000Retail Banking457036900000Treasury153921500000Other Banking Operations521900000Capital and Reserves12975720000010735329000001410000010735470000009. 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. 10. RBI Circular DOR.AUT.REC.12/22.01.001/2022-23 dated April 7, 2022, require ‘Digital Banking’ as a separate sub-segment under retail banking for the purpose of AS-17 Segment reporting. The proposed DBUs of the Bank have not commenced operations and having regard to the discussions of the DBU Working Group formed by Indian Banks' Association (IBA) (which included representatives of banks and RBI), reporting of Digital Banking as a separate sub-segment of Retail Banking Segment will be implemented by the Bank based on the decision of the DBU Working Group. 11. Previous period / year figures have been regrouped / reclassified, where necessary to conform to current period / year classification.54043000000100540000000002200000069778000000798540000000-84907700000099897000000-74918000000-66932600000-6152830000000016949000000-6322320000000-632232000000000000067100000146360000000000000000-139650000000-139650000050000000031693000000000-316880000000-3168800000-677885000000-67788500000175521500000107733000000