RBL Bank Ltd
About
RBL Bank, formerly known as Ratnakar Bank Limited, is a private financial institution headquartered in Mumbai. It covers 5 business verticals: Corporate Banking, Commercial Banking, Branch Banking & Retail Liabilities, Retail Assets, and Treasury & Financial Markets Operations. It serves over 15 million customers through 1453 business correspondent branches and 411 ATMs across India. Its offerings include accounts, deposits, cards, loans, insurances, and investments for personal and business needs. The bank’s vision is to be a ‘bank of choice,’ building trust and respect not just for its consumers but also for employees and partners. RBL is also committed to the welfare and development of the community, particularly in areas related to health, education, and livelihood opportunities, or H.E.L.O.
Featured In Fortune India Ranking
Financial Data 2024
Fortune India Coverage
Financial Data
| PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue (INR Cr) | 15454 26.8% | 12184 12.9% | 10796 2.3% | 10551 -1.4% | 10697 38.2% | 7743 37.5% | 5630 26.0% | 4469 38.1% | 3235 37.3% | 2357 46.1% | 1613 60.3% | 1006 89.0% | 532 156.2% | 208 32.0% | 157 2.5% | 154 - |
| Net Operating Income (INR Cr) | 12394 28.08% | 9677 14.59% | 8445 -2.66% | 8676 -1.17% | 8779 39.30% | 6302 38.16% | 4561 22.85% | 3713 35.30% | 2744 40.51% | 1953 44.50% | 1352 53.71% | 879 89.07% | 465 145.83% | 189 31.23% | 144 4.57% | 138 - |
| Profit (INR Cr) | 1260 37.0% | 920 - | -166 - | 529 5.9% | 500 -41.7% | 858 35.8% | 632 41.4% | 447 52.8% | 292 41.2% | 207 123.6% | 93 -0.2% | 93 42.6% | 65 428.0% | 12 -35.5% | 19 -37.4% | 31 - |
| Assets (INR Cr) | 138459 19.6% | 115808 9.1% | 106163 5.5% | 100619 13.1% | 88983 10.7% | 80404 29.9% | 61883 27.1% | 48689 24.2% | 39204 44.7% | 27104 49.0% | 18197 40.4% | 12962 79.9% | 7207 123.0% | 3232 54.9% | 2087 22.3% | 1707 - |
| Net Worth (INR Cr) | 14837 9.7% | 13525 7.9% | 12530 -1.1% | 12665 19.9% | 10564 40.2% | 7534 12.8% | 6680 54.1% | 4335 0.0% | 2988 34.0% | 2229 10.7% | 2014 25.4% | 1606 40.6% | 1142 5.4% | 1084 208.1% | 352 3.1% | 341 6.1% |
| Employee Cost (INR Cr) | 1856 12.2% | 1653 24.1% | 1332 18.7% | 1122 16.0% | 968 28.6% | 752 29.3% | 582 30.4% | 446 20.6% | 370 23.0% | 301 62.7% | 185 49.1% | 124 47.4% | 84 16.5% | 72 215.7% | 23 11.7% | 21 - |
| Interest Cost (INR Cr) | 6350 | 4679 | 4148 | 4539 | 4885 | 3761 | 2741 | 2492 | 1925 | 1397 | 1010 | 622 | 278 | 94 | 85 | 74 |
| Cash & Bank Balance (INR Cr) | 14423 | 8527 | 17557 | 13443 | 8859 | 6649 | 4310 | 4194 | 2450 | 2170 | 1192 | 689 | 586 | 350 | 356 | 460 |
| Total Debt (INR Cr) | 117656 | 98206 | 90104 | 84281 | 74819 | 70190 | 53145 | 42568 | 34885 | 24062 | 15494 | 11078 | 5938 | 2050 | 1589 | 1311 |
Key Financial Ratios
| PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit As % Of Revenues | 8.2% | 7.6% | - | 5.0% | 4.7% | 11.1% | 11.2% | 10.0% | 9.0% | 8.8% | 5.8% | 9.2% | 12.2% | 5.9% | 12.1% | 19.9% |
| Profit As % Of Assets | 0.9% | 0.8% | - | 0.5% | 0.6% | 1.1% | 1.0% | 0.9% | 0.8% | 0.8% | 0.5% | 0.7% | 0.9% | 0.4% | 0.9% | 1.8% |
| Profit As % Of Networth | 8.5% | 6.8% | - | 4.2% | 4.7% | 11.4% | 9.5% | 10.3% | 9.8% | 9.3% | 4.6% | 5.8% | 5.7% | 1.1% | 5.4% | 8.9% |
| Interest Cost to EBITDA % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| RONW | 8.9% | 7.1% | - | 4.6% | 5.5% | 12.1% | 11.6% | 10.3% | 11.2% | 9.8% | 5.1% | 6.8% | 5.9% | 1.7% | 5.5% | 9.2% |
| ROCE | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |