RBL Bank Ltd

RBL Bank Ltd is up for a third straight session in a row. The stock is quoting at Rs 246.55, up 3% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.33% on the day, quoting at 25552.7. The Sensex is at 83759.31, down 0.36%. RBL Bank Ltd has risen around 15.29% in last one month. Meanwhile, Nifty Private Bank index of which RBL Bank Ltd is a constituent, has risen around 2.52% in last one month and is currently quoting at 28506.1, down 0.48% on the day. The volume in the stock stood at 116.41 lakh shares today, compared to the daily average of 108.51 lakh shares in last one month. The benchmark July futures contract for the stock is quoting at Rs 247, up 2.43% on the day. RBL Bank Ltd is down 6.82% in last one year as compared to a 5.84% spurt in NIFTY and a 8.24% spurt in the Nifty Private Bank index.The PE of the stock is 20.98 based on TTM earnings ending March 25.Powered by Capital Market - Live

RBL Bank has allotted 96,492 equity shares under ESOP on 09 June 2025. Consequent to the above allotment, the paid-up share capital of the Bank has increased from 60,89,13,299 equity shares of Rs. 10 each aggregating to Rs. 608,91,32,990 to 60,90,09,791 equity shares of Rs. 10 each aggregating to Rs. 609,00,97,910.Powered by Capital Market - Live

RBL Bank has allotted 1,59,590 equity shares of face value of Rs. 10/- each to eligible employees of the Bank on 29 May 2025, pursuant to the exercise of the vested stock options by them, under the ESOP Scheme(s) of the Bank. Consequent to the above allotment, the paid-up share capital of the Bank has increased from 60,87,53,709 equity shares of Rs. 10 each aggregating to Rs. 608,75,37,090 to 60,89,13,299 equity shares of Rs. 10 each aggregating to Rs. 608,91,32,990.Powered by Capital Market - Live

The private lender's standalone net profit tumbled 80.52% to Rs 68.70 crore in Q4 FY25 as against Rs 352.64 crore posted in Q4 FY24. Total income increased 6.19% year on year (YoY) to Rs 4,475.60 crore in the quarter ended 31 March 2025. Profit before tax tanked 83.93% to Rs 76.05 crore in the fourth quarter of 2025 as against Rs 473.24 crore posted in the year-ago period. Operating profit in the quarter ended March 2025 was at Rs 861 crore, down 2.93% from Rs 887 crore recorded in Q4 FY24. Net interest income degrew 2% YoY to Rs 1,563 crore in the quarter ended 31 March 2025. Net interest margin (NIM) reduced to 4.89% in Q4 FY25, compared to 5.45% reported in the same quarter a year ago. Provisions (other than tax) and contingencies surged 89.74% YoY to Rs 785.14 crore during the fourth quarter of FY25. On the asset quality front, gross non-performing assets (NPAs) stood at Rs 2,465 crore as of 31 March 2025, compared to Rs 2,271 crore as of 31 March 2024. Encouragingly, early signs of improvement in asset quality have emerged, with gross slippages declining by 130 basis points quarter-on-quarter to 1.15%. The GNPA ratio improved to 2.60% as of 31 March 2025, as against 2.65% a year earlier. Additionally, the net NPA ratio significantly improved to 0.29%, compared to 0.74% as of 31 March 2024. The provision coverage ratio, including technical write-offs, was at 96.4% as of 31 March 2025, as against 89.8% as of 31 March 2024. As of 31 March 2025, net advances were at Rs 92,618 crore, registering a growth of 10% YoY, while deposits grew by 7% YoY to Rs 110,944 crore. CASA deposits stood at Rs 37,886 crore as of 31 March 2025, up 4% YoY. The CASA ratio reduced to 34.1% as of 31 March 2025, compared to 35.2% as of 31 March 2024. Capital adequacy was 15.54%, and the common equity tier 1 ratio was 14.06% as of 31 March 2025. The average liquidity coverage ratio came in at 133% for Q4 FY25. As of 31 March 2025, the bank has 2,033 total touchpoints, of which 561 are bank branches and 1,472 are business correspondent branches, of which 296 are banking outlets. R. Subramaniakumar, MD & CEO, RBL Bank, said, We have navigated a complex environment with resilience and focus, delivering strong momentum in secured retail and commercial banking while deepening our base of granular, sticky deposits. With proactive, prudent provisioning on the JLG loan portfolio, the bank is entering FY26 with a clean slate for the JLG business. Our secured retail and wholesale portfolios have now seen eight consecutive quarters of near-zero credit costs. The core engine remains strong'driven by disciplined execution, profitability-led growth, and a sharp customer focus. We're pleased to close the year with steady performance and continued progress on our key priorities. Meanwhile, RBL Bank's board has recommended a dividend of Rs 1 per share (10%) for the financial year ended 31 March 2025. RBL Bank is one of India's leading private sector banks with an expanding presence across the country. The bank offers specialized services under five business verticals, namely corporate & institutional banking, commercial banking, branch & business banking, retail assets, and treasury and financial markets operations. Powered by Capital Market - Live

Paras Defence and Space Technologies Ltd, DCB Bank Ltd, Data Patterns (India) Ltd and Garden Reach Shipbuilders & Engineers Ltd are among the other gainers in the BSE's 'A' group today, 28 April 2025.RBL Bank Ltd surged 9.80% to Rs 206.2 at 11:46 IST. The stock was the biggest gainer in the BSE's 'A' group. On the BSE, 13.72 lakh shares were traded on the counter so far as against the average daily volumes of 6.32 lakh shares in the past one month. Paras Defence and Space Technologies Ltd soared 9.65% to Rs 1146. The stock was the second biggest gainer in 'A' group. On the BSE, 1.73 lakh shares were traded on the counter so far as against the average daily volumes of 32308 shares in the past one month. DCB Bank Ltd spiked 8.97% to Rs 138.5. The stock was the third biggest gainer in 'A' group. On the BSE, 15.46 lakh shares were traded on the counter so far as against the average daily volumes of 64608 shares in the past one month. Data Patterns (India) Ltd spurt 8.33% to Rs 2260.9. The stock was the fourth biggest gainer in 'A' group. On the BSE, 2.05 lakh shares were traded on the counter so far as against the average daily volumes of 70430 shares in the past one month. Garden Reach Shipbuilders & Engineers Ltd advanced 7.93% to Rs 1745. The stock was the fifth biggest gainer in 'A' group. On the BSE, 5.63 lakh shares were traded on the counter so far as against the average daily volumes of 94872 shares in the past one month. Powered by Capital Market - Live

However, total income increased 6.19% year on year (YoY) to Rs 4,475.60 crore in the quarter ended 31 March 2025. Provisions (other than tax) and contingencies surged 89.74% YoY to Rs 785.14 crore during the fourth quarter of FY25. Profit before tax tanked 83.93% to Rs 76.05 crore in the fourth quarter of 2025 as against Rs 473.24 crore posted in the year-ago period. Net interest income degrew 2% YoY to Rs 1,563 crore in the quarter ended 31 March 2025. Net interest margin (NIM) reduced to 4.89% in Q4 FY25, compared to 5.45% reported in the same quarter a year ago. Operating profit in the quarter ended March 2025 was at Rs 861 crore, down 2.93% from Rs 887 crore recorded in Q4 FY24. On the asset quality front, gross non-performing assets (NPAs) stood at Rs 2,465 crore as of 31 March 2025, as against Rs 2,271 crore as of 31 March 2024. The GNPA ratio reduced to 2.60% as of 31 March 2025, as against 2.65% as of 31 March 2024. The net NPA ratio stood at 0.29% as of 31 March 2025, compared to 0.74% as of 31 March 2024. The provision coverage ratio, including technical write-offs, was at 96.4% as of 31 March 2025, as against 89.8% as of 31 March 2024. As of 31 March 2025, net advances were at Rs 92,618 crore, registering a growth of 10% YoY, while deposits grew by 7% YoY to Rs 110,944 crore. CASA deposits stood at Rs 37,886 crore as of 31 March 2025, up 4% YoY. The CASA ratio reduced to 34.1% as of 31 March 2025, compared to 35.2% as of 31 March 2024. Capital adequacy was 15.54%, and the common equity tier 1 ratio was 14.06% as of 31 March 2025. The average liquidity coverage ratio came in at 133% for Q4 FY25. As of 31 March 2025, the bank has 2,033 total touchpoints, of which 561 are bank branches and 1,472 are business correspondent branches, of which 296 are banking outlets. R. Subramaniakumar, MD & CEO, RBL Bank, said, 'We have navigated a complex environment with resilience and focus, delivering strong momentum in secured retail and commercial banking while deepening our base of granular, sticky deposits. With proactive, prudent provisioning on the JLG loan portfolio, the bank is entering FY26 with a clean slate for the JLG business. Our secured retail and wholesale portfolios have now seen eight consecutive quarters of near-zero credit costs. The core engine remains strong'driven by disciplined execution, profitability-led growth, and a sharp customer focus. We're pleased to close the year with steady performance and continued progress on our key priorities.' Meanwhile, RBL Bank's board has recommended a dividend of Rs 1 per share (10%) for the financial year ended 31 March 2025. RBL Bank is one of India's leading private sector banks with an expanding presence across the country. The bank offers specialized services under five business verticals, namely corporate & institutional banking, commercial banking, branch & business banking, retail assets, and treasury and financial markets operations. The scrip declined 5.30% to close at Rs 187.80 on Friday, 25 April 2025.Powered by Capital Market - Live

Net profit of RBL Bank declined 76.13% to Rs 86.99 crore in the quarter ended March 2025 as against Rs 364.43 crore during the previous quarter ended March 2024. Total Operating Income rose 4.12% to Rs 3476.60 crore in the quarter ended March 2025 as against Rs 3339.18 crore during the previous quarter ended March 2024. For the full year,net profit declined 43.09% to Rs 717.06 crore in the year ended March 2025 as against Rs 1259.89 crore during the previous year ended March 2024. Total Operating Income rose 13.29% to Rs 14041.11 crore in the year ended March 2025 as against Rs 12393.80 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income3476.603339.18 4 14041.1112393.80 13 OPM %28.9040.40 -32.0037.43 - PBDT93.33485.90 -81 695.791348.71 -48 PBT93.33485.90 -81 695.791348.71 -48 NP86.99364.43 -76 717.061259.89 -43 Powered by Capital Market - Live

RBL Bank announced that the Board of Directors of the Company at its meeting held on 25 April 2025, inter alia, have recommended the final dividend of Rs 1 per equity Share (i.e. 10%) , subject to the approval of the shareholders.Powered by Capital Market - Live

Deepak Kumar is the chief risk officer at RBL Bank. He is an experienced banker. He has over 40 years of experience in the banking industry. He holds a postgraduate degree in Mathematics, an MBA in Finance, and a degree in Law. He was a university gold medalist in both graduate & post graduate levels. He is proficient in all aspects of banking given his long stint across the country in various roles during his long career with SBI. He has held leadership roles in Corporate & MSME Lending, Stress Resolution, retail & branch banking, risk management (including operations risk & Infosec risk), credit policy, and green / sustainable renewable energy financing. RBL Bank is one of the India's leading private sector banks with an expanding presence across the country. The bank offers specialized services under five business verticals namely, corporate banking, commercial banking, branch banking & retail liabilities, retail assets and treasury & financial markets operations. The bank's standalone net profit declined 86% to Rs 32.63 crore in Q3 FY25 as compared with Rs 233.09 crore in Q3 FY24. Total income jumped 16.1% YoY to Rs 4,609.66 crore in Q3 FY25. The scrip rallied 3.36% to settle at Rs 198.30 on the BSE.Powered by Capital Market - Live

RBL Bank has granted 4,37,000 stock options under ESOP on 22 April 2025. Powered by Capital Market - Live