Balance Sheet RBL Bank Limited

Equities

RBLBANK

INE976G01028

Banks

Market Closed - NSE India S.E. Other stock markets 05:26:34 2026-01-16 am EST			5-day change	1st Jan Change
324.60 ^INR	+4.04%		+6.11%	+2.79%

05:35am	RBL Bank Limited, Q3 2026 Earnings Call, Jan 17, 2026
03:50am	RBL Bank Limited Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2025	CI

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Published financial data: RBL BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	85.61B	84.45B	95.5B	124B	140B
Interest Income, Total	85.61B	84.45B	95.5B	124B	140B
Interest On Deposits	44.25B	41.48B	46.79B	63.5B	75.76B
Interest Expense, Total	44.25B	41.48B	46.79B	63.5B	75.76B
Net Interest Income	41.36B	42.97B	48.71B	60.44B	64.65B
Gain (Loss) on Sale of Assets	-17.65M	-3.01M	-3.79M	4.8M	10.31M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.87B	2.49B	1.29B	1.59B	3.69B
Total Other Non Interest Income	17.63B	21.03B	23.78B	29.01B	34.08B
Non Interest Income, Total	20.48B	23.52B	25.07B	30.6B	37.78B
Revenues Before Provison For Loan Losses	61.85B	66.48B	73.78B	91.04B	102B
Provision For Loan Losses	24.02B	28.6B	10.22B	17.78B	29.59B
Total Revenues	37.83B	37.88B	63.56B	73.25B	72.85B
Salaries And Other Employee Benefits	11.22B	13B	15.87B	18.56B	21.81B
Stock-Based Compensation (IS)	2.18M	99.24M	668M	604M	652M
Occupancy Expense	4.49B	6.36B	7.11B	7.04B	7.09B
Selling General & Admin Expenses, Total	782M	1.26B	1.76B	1.81B	2.42B
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	14.22B	19.22B	25.94B	31.76B	33.91B
Non Interest Expense, Total	30.71B	39.94B	51.35B	59.77B	65.89B
EBT, Excl. Unusual Items	7.12B	-2.07B	12.21B	13.49B	6.96B
EBT, Incl. Unusual Items	7.12B	-2.07B	12.21B	13.49B	6.96B
Income Tax Expense	1.83B	-404M	3.02B	888M	-213M
Earnings From Continuing Operations	5.29B	-1.66B	9.2B	12.6B	7.17B
Net Income to Company	5.29B	-1.66B	9.2B	12.6B	7.17B
Minority Interest	-	-	-	-	-
Net Income - (IS)	5.29B	-1.66B	9.2B	12.6B	7.17B
Net Income to Common Incl Extra Items	5.29B	-1.66B	9.2B	12.6B	7.17B
Net Income to Common Excl. Extra Items	5.29B	-1.66B	9.2B	12.6B	7.17B
Per Share Items
Net EPS - Basic	9.75	-2.77	15.34	20.94	11.81
Basic EPS - Continuing Operations	9.75	-2.77	15.34	20.94	11.81
Basic Weighted Average Shares Outstanding	543M	599M	600M	602M	607M
Net EPS - Diluted	9.68	-2.77	15.27	20.54	11.76
Diluted EPS - Continuing Operations	9.68	-2.77	15.27	20.54	11.76
Diluted Weighted Average Shares Outstanding	547M	600M	602M	613M	610M
Normalized Basic EPS	8.2	-2.15	12.73	14.01	7.16
Normalized Diluted EPS	8.13	-2.15	12.68	13.74	7.13
Dividend Per Share	-	-	1.5	1.5	1
Payout Ratio	-	-	-	7.15	12.69
Supplemental Items
Effective Tax Rate - (Ratio)	25.64	19.54	24.7	6.59	-3.06
Total Current Taxes	3.09B	1.51B	2.72B	1.05B	683M
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-1.27B	-1.92B	291M	-161M	-896M
Normalized Net Income	4.45B	-1.29B	7.63B	8.43B	4.35B
Non-Cash Pension Expense	21.9M	357M	374M	88.5M	76.8M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	2.18M	99.24M	668M	604M	652M
Total Stock-Based Compensation	2.18M	99.24M	668M	604M	652M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	50.4B	47.34B	26.01B	24.68B	17.66B
Investment Securities, Total	231B	221B	287B	295B	322B
Trading Asset Securities, Total	-	-	-	-	6.16B
Total investments	231B	221B	287B	295B	328B
Gross Loans	586B	600B	702B	840B	926B
Net Loans	586B	600B	702B	840B	926B
Gross Property Plant And Equipment	11.74B	14.1B	15.78B	16.88B	19.37B
Accumulated Depreciation	-6.79B	-8.31B	-9.8B	-11.31B	-13.33B
Net Property Plant And Equipment	4.95B	5.78B	5.98B	5.58B	6.04B
Goodwill	407M	407M	407M	407M	407M
Accrued Interest Receivable	7.5B	7.32B	9.34B	11.19B	13.03B
Other Receivables	19.66B	51.12M	51.4M	1.62B	-
Restricted Cash	64.37B	128B	59.21B	118B	108B
Other Current Assets, Total	371M	497M	113M	1.03B	1.87B
Deferred Tax Assets Long-Term (Collected)	4.03B	5.94B	5.65B	5.81B	6.63B
Other Real Estate Owned And Foreclosed	400M	336M	-	-	-
Other Long-Term Assets, Total	37.03B	44.43B	62.13B	81.64B	60.7B
Total Assets	1,006B	1,062B	1,158B	1,385B	1,468B
Liabilities
Interest Bearing Deposits	634B	675B	701B	851B	930B
Non-Interest Bearing Deposits	96.89B	115B	148B	184B	179B
Total Deposits	731B	790B	849B	1,035B	1,109B
Short-Term Borrowings	-	-	-	-	4.9B
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	112B	111B	133B	142B	137B
Accrued Interest Payable	5.12B	3.33B	4.73B	7.57B	6.76B
Other Current Liabilities - (Bank / Utility Template)	2.72B	2.63B	6.55B	7.22B	7.8B
Other Non Current Liabilities	28.88B	29.33B	29.46B	44.81B	44.88B
Total Liabilities	880B	936B	1,023B	1,236B	1,311B
Common Stock, Total	5.98B	6B	6B	6.05B	6.08B
Additional Paid In Capital	88.42B	88.6B	88.6B	89.5B	89.95B
Retained Earnings	30.99B	28.89B	37.98B	46.4B	53.08B
Comprehensive Income and Other	1.27B	1.82B	2.67B	6.42B	7.59B
Total Common Equity	127B	125B	135B	148B	157B
Minority Interest	-	-	-	-	-
Total Equity	127B	125B	135B	148B	157B
Total Liabilities And Equity	1,006B	1,062B	1,158B	1,385B	1,468B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	598M	600M	600M	606M	608M
ECS Total Common Shares Outstanding	598M	600M	600M	605M	608M
Book Value / Share	211.8	209.01	225.59	245.21	257.78
Tangible Book Value	126B	125B	135B	148B	156B
Tangible Book Value Per Share	211.12	208.33	224.91	244.53	257.11
Total Debt	112B	111B	133B	142B	142B
Deposits at Interest - Cash	99.7B	125B	38.15B	88.97B	80.63B
Debt Equivalent of Unfunded Proj. Benefit Obligation	169M	529M	544M	277M	287M
Net Debt	61.87B	63.63B	107B	117B	118B
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	17K	18.01K	18.99K	22.29K	26.6K
Number Of Offices	689	791	832	861	879

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	5.29B	-1.66B	9.2B	12.6B	7.17B
Depreciation, Depletion & Amortization	916M	898M	1.07B	1.16B	1.24B
Total Depreciation, Depletion & Amortization	916M	898M	1.07B	1.16B	1.24B
Amortization of Deferred Charges, Total	780M	904M	1.07B	1.18B	1.12B
(Gain) Loss On Sale of Asset - (CF)	17.65M	3.01M	3.79M	-4.8M	-10.31M
(Gain) Loss on Sale of Investments - (CF)	171M	428M	604M	1.08B	-1.86B
Provision for Credit Losses	23.83B	31.57B	12.48B	20.13B	34.93B
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	2.18M	99.24M	668M	604M	652M
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-105B	-25.32B	-195B	-172B	-124B
Other Operating Activities	-1.74B	-1.94B	1.31B	-1.03B	-1.88B
Cash from Operations	-76.11B	4.97B	-169B	-136B	-82.87B
Capital Expenditure	-1.79B	-2.71B	-2.44B	-2.04B	-2.88B
Sale of Property, Plant, and Equipment	47.9M	67.72M	108M	102M	75.96M
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-1.74B	-2.64B	-2.34B	-1.93B	-2.81B
Long-Term Debt Issued, Total	-	-	22.34B	8.54B	-
Total Debt Issued	-	-	22.34B	8.54B	-
Long-Term Debt Repaid, Total	-57.81B	-1.28B	-	-	-4.5B
Total Debt Repaid	-57.81B	-1.28B	-	-	-4.5B
Issuance of Common Stock	15.74B	191M	7.07M	793M	382M
Common Dividends Paid	-	-	-	-900M	-910M
Common & Preferred Stock Dividends Paid	-	-	-	-900M	-910M
Net Increase (Decrease) in Deposit Accounts - (CF)	152B	59.52B	58.68B	186B	74.62B
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	110B	58.42B	81.03B	194B	69.59B
Net Change in Cash	32.51B	60.76B	-90.3B	56.04B	-16.08B
Supplemental Items
Cash Interest Paid	28.9M	25.1M	5.9M	6.1M	7.1M
Cash Income Tax Paid (Refund)	3.55B	1.64B	2.33B	1.97B	1.78B
Net Debt Issued / Repaid	-57.81B	-1.28B	22.34B	8.54B	-4.5B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.56	-0.16	0.83	0.99	0.5
Return On Equity %	4.56	-1.32	7.06	8.88	4.7
Return on Common Equity	4.56	-1.32	7.06	8.88	4.7
Shareholders Value Added	-8.64B	-16.78B	-6.44B	-4.42B	-11.13B
Margin Analysis
SG&A Margin	46	57.52	40.81	39.31	45.48
Net Interest Income / Total Revenues %	109.34	113.44	76.64	82.51	88.75
EBT Excl. Non-Recurring Items Margin %	18.82	-5.45	19.21	18.41	9.55
Income From Continuing Operations Margin %	14	-4.39	14.47	17.2	9.84
Net Income Margin %	14	-4.39	14.47	17.2	9.84
Net Avail. For Common Margin %	14	-4.39	14.47	17.2	9.84
Normalized Net Income Margin	11.76	-3.41	12.01	11.51	5.97
Asset quality
Nonperforming Loans / Total Loans %	4.44	4.55	3.45	2.7	2.66
Nonperforming Loans / Total Assets %	2.59	2.57	2.09	1.64	1.68
Nonperforming Assets / Total Assets %	2.59	2.57	2.09	1.64	1.68
NPAs / Loans and OREO	4.43	4.54	3.45	2.7	2.66
NPAs / Equity	20.54	21.77	17.89	15.31	15.73
Provision for Loan Losses / Net Charge-offs %	158.39	147.17	72.4	130.11	115.82
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.25	12.19	11.74	11.16	10.7
Total Average Equity / Total Average Assets %	12.25	12.19	11.74	11.16	10.7
Total Equity + Allowance for Loan Losses / Total Loans %	21.61	20.88	19.27	17.67	16.92
Gross Loans / Total Deposits %	80.24	75.95	82.69	81.17	83.49
Net Loans / Total Deposits %	80.24	75.95	82.69	81.17	83.49
Tier 1 Capital Ratio %	16.64	16.21	15.25	14.38	14.06
Total Capital Ratio %	17.5	16.82	16.92	16.18	15.54
Core Tier 1 Capital Ratio	16.64	16.21	15.25	14.38	14.06
Tier 2 Capital Ratio	0.86	0.62	1.67	1.8	1.49
Interbank Ratio	23.89	32	26.27	12.75	6.21
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.16	0.95	1.26	1.21	1.09
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.23	3.87	13.37	20.92	6.97
Non Interest Income, 1 Yr. Growth %	6.8	25.44	6.61	22.06	23.48
Provision For Loan Losses, 1 Yr. Growth %	22.44	28.39	-64.27	74.03	66.36
Total Revenues, 1 Yr. Growth %	-1.75	0.12	67.8	12.99	-0.55
Earnings From Cont. Operations, 1 Yr. Growth %	5.85	-131.38	-653.45	37.01	-43.09
Net Income, 1 Yr. Growth %	5.85	-131.38	-653.45	37.01	-43.09
Normalized Net Income, 1 Yr. Growth %	-4.73	-129	-691.33	10.45	-48.41
Diluted EPS Before Extra, 1 Yr. Growth %	-11.84	-128.66	-650.47	34.51	-42.75
Dividend Per Share, 1 Yr. Growth %	-	-	-	0	-33.33
Gross Loans, 1 Yr. Growth %	1.06	2.36	16.97	19.66	10.28
Net Loans, 1 Yr. Growth %	1.06	2.36	16.97	19.66	10.28
Non Performing Loans, 1 Yr. Growth %	21.76	4.88	-11.31	-6.15	8.56
Non Performing Assets, 1 Yr. Growth %	21.76	4.88	-11.31	-6.15	8.56
Total Assets, 1 Yr. Growth %	13.08	5.51	9.08	19.56	6.01
Total Deposits, 1 Yr Growth %	26.37	8.15	7.43	21.91	7.21
Tangible Book Value, 1 Yr. Growth %	19.97	-1.08	7.97	9.73	5.62
Common Equity, 1 Yr. Growth %	19.89	-1.07	7.94	9.7	5.61
Total Equity, 1 Yr. Growth %	19.89	-1.07	7.94	9.7	5.61
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	27.58	5.04	8.52	18.6	13.73
Non Interest Income, 2 Yr. CAGR %	19.23	10.72	15.64	14.07	22.77
Provision For Loan Losses, 2 Yr. CAGR %	93.62	20.76	-32.27	-21.15	70.15
Total Revenues, 2 Yr. CAGR %	6.4	-0.82	29.62	39.07	6
Earnings From Cont. Operations, 2 Yr. CAGR %	-21.6	-42.37	31.79	175.37	-11.69
Net Income, 2 Yr. CAGR %	-21.44	-42.37	31.79	175.37	-11.69
Normalized Net Income, 2 Yr. CAGR %	-25.77	-47.43	30.96	155.56	-24.52
Diluted EPS Before Extra, 2 Yr. CAGR %	-30.13	-49.74	25.6	172.11	-12.24
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-18.35
Gross Loans, 2 Yr. CAGR %	3.9	1.71	9.42	18.31	14.87
Net Loans, 2 Yr. CAGR %	3.9	1.71	9.42	18.31	14.87
Non Performing Loans, 2 Yr. CAGR %	85.67	13.01	-3.55	-8.77	0.94
Non Performing Assets, 2 Yr. CAGR %	85.67	13.01	-3.55	-8.77	0.94
Total Assets, 2 Yr. CAGR %	11.87	9.23	7.28	14.2	12.58
Total Deposits, 2 Yr CAGR %	11.89	16.9	7.79	14.44	14.32
Tangible Book Value, 2 Yr. CAGR %	29.8	8.94	3.35	8.84	7.66
Common Equity, 2 Yr. CAGR %	29.65	8.91	3.34	8.82	7.63
Total Equity, 2 Yr. CAGR %	29.65	8.91	3.34	8.82	7.63
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	31.46	19.13	7.75	13.47	14.59
Non Interest Income, 3 Yr. CAGR %	24.22	17.73	9.34	17.74	17.13
Provision For Loan Losses, 3 Yr. CAGR %	86.97	64.66	-19.53	-7.24	1.13
Total Revenues, 3 Yr. CAGR %	14.47	4.26	18.18	24.64	24.36
Earnings From Cont. Operations, 3 Yr. CAGR %	-5.79	-42.22	22.5	33.51	62.81
Net Income, 3 Yr. CAGR %	-5.71	-42.14	22.5	33.51	62.81
Normalized Net Income, 3 Yr. CAGR %	-9.65	-45.73	17.78	23.73	49.92
Diluted EPS Before Extra, 3 Yr. CAGR %	-13.76	-48.09	11.62	28.5	61.85
Dividend Per Share, 3 Yr. CAGR %	-	-	0	-	-
Gross Loans, 3 Yr. CAGR %	13.34	3.38	6.56	12.73	15.57
Net Loans, 3 Yr. CAGR %	13.34	3.38	6.56	12.73	15.57
Non Performing Loans, 3 Yr. CAGR %	66.19	53.48	4.24	-4.43	-3.32
Non Performing Assets, 3 Yr. CAGR %	66.19	53.48	4.24	-4.43	-3.32
Total Assets, 3 Yr. CAGR %	17.59	9.71	9.18	11.23	11.4
Total Deposits, 3 Yr CAGR %	18.52	10.63	13.65	12.3	11.98
Tangible Book Value, 3 Yr. CAGR %	23.75	18.56	8.61	5.43	7.76
Common Equity, 3 Yr. CAGR %	23.77	18.48	8.58	5.42	7.74
Total Equity, 3 Yr. CAGR %	23.65	18.48	8.58	5.42	7.74
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	38.24	28.61	21.75	18.92	10.67
Non Interest Income, 5 Yr. CAGR %	33.09	25.5	18.59	16.25	14.52
Provision For Loan Losses, 5 Yr. CAGR %	83.83	64.3	22.7	22.65	8.57
Total Revenues, 5 Yr. CAGR %	25.91	16.86	20.31	17	13.6
Earnings From Cont. Operations, 5 Yr. CAGR %	12.6	-17.95	7.74	7.9	7.47
Net Income, 5 Yr. CAGR %	12.6	-17.95	7.8	7.99	7.47
Normalized Net Income, 5 Yr. CAGR %	10.72	-21.26	4.81	0.86	-1.42
Diluted EPS Before Extra, 5 Yr. CAGR %	0.52	-25.17	0.24	0.71	1.38
Dividend Per Share, 5 Yr. CAGR %	-	-	-6.51	-11.09	-7.79
Gross Loans, 5 Yr. CAGR %	22.53	15.3	11.75	9.11	9.81
Net Loans, 5 Yr. CAGR %	22.53	15.3	11.75	9.11	9.81
Non Performing Loans, 5 Yr. CAGR %	65.73	50.21	33.68	24.65	2.91
Non Performing Assets, 5 Yr. CAGR %	65.73	50.21	33.68	24.65	2.91
Total Assets, 5 Yr. CAGR %	20.77	16.88	13.35	11.48	10.53
Total Deposits, 5 Yr CAGR %	24.58	17.96	14.1	12.14	13.92
Tangible Book Value, 5 Yr. CAGR %	33.39	23.56	15.15	14.57	8.23
Common Equity, 5 Yr. CAGR %	33.48	23.64	15.15	14.51	8.2
Total Equity, 5 Yr. CAGR %	33.48	23.64	15.09	14.51	8.2