Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q4 FY22 Earnings Presentation
68 slides from Rbl Bank's earnings presentation, May 12, 2022
Slide 1: Exchange filing cover letter
b RBLBANK apno ka bank May 12, 2022 BSE Limited, National Stock Exchange of India Limited, 1st Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Sandra Kur-la Complex, Sandra (E) Mumbai - 400001 Mumbai -400051 Script Code: 540065 Script Name: RBLBANK Reg: Disclosure under
Slide 2: Press Release: Audited Financial Results Q4 & FY22
RBL Bank Limited One World Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 PRESS RELEASE RBL BANK ANNOUNCES AUDITED FINANCIAL RESULTS FOR THE QUARTER & YEAR ENDED 31st MARCH 2022 The Board of Directors of RBL Bank Limited approved the audited financial results f
Slide 3: Key Financials and Key Ratios
RBL Bank Limited One World Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 Key Financials: ` in crore Q4 FY22 Q3 FY22 QoQ Q4 FY21 YoY FY22 FY21 Net Interest Income 1,131 1,010 12% 906 25% 4,027 3,788 Other Income 511 583 (12%) 549 (7%) 2,341 1,884 Net Total Inco
Slide 4: About RBL Bank
RBL Bank Limited One World Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 About RBL Bank RBL Bank is one of India’s fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verti
Slide 5: Investor Presentation Q4 & FY22
Investor Presentation Q4 & FY 22 May 12, 2022
Slide 6: Disclaimer
Disclaimer By attending the meeting / telephonic call where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the “Company”) for use in presentations by
Slide 7: Glossary and Key Notes
Glossary and Key Notes AEPS Aadhaar Enabled Payment System INR Indian Rupee Agri Agribusiness Banking IPO Initial Public Offering API Application Programming Interface MF Mutual Funds ATM Automated Teller Machine Mn Million BC Business Correspondent NFB Non Fund Based Bps Basis Points NIM Net Intere
Slide 8: Table of Contents
Table of Contents Topic Page Number Key Performance Highlights 5 Financial Performance 11 Distribution Network 28 Shareholding Pattern and Ratings 30 Micro-Banking Update 32 Credit Card Update 37 Digital Banking Update 47 Payments Business Update 49 Marketing Update 53 Annexures 55 4
Slide 9: Key Performance Highlights
Key Performance Highlights
Slide 10: Q4 FY22 Highlights
Q4 FY22 Highlights YoY Revenue growth of 13% aided by NII growth of 25%, NIM at 5.04% Net Profit at Rs. 198 crore for Q4 FY22 vs Rs. 156 crore for Q3FY22 Wholesale Advances Grew 18% YoY; Retail : Wholesale mix at 52:48 Deposit growth of 8% YoY to Rs. 79,007 crore; Average LCR at 138% for the quarter
Slide 11: Q4 FY22 Highlights Contd.
Q4 FY22 Highlights Contd…. Strong Revenue Growth Deposits Stable Healthy Capitalisation and Liquidity Levels ▪ Total Revenue grew 13% YoY to ▪ Total Deposits grew 8% YoY ▪ CRAR improved 25bps QoQ to 1,643 crore ▪ CASA grew 20% YoY 16.8% and CET 1 improved 44bps ▪ NII grew 25% YoY to Rs. 1,131 ▪ CASA
Slide 12: Q4 FY22 Financial Highlights
Q4 FY22 Financial Highlights YoY Growth Net interest Income Rs. 1,131cr 25% Core Fee Income Rs. 516cr (4%) Net Total Income Rs. 1,643cr 13% Operating Profit Rs. 657cr (11%) Net Profit / (Loss) Rs. 198cr 163% 8
Slide 13: Q4 FY22 Financial Highlights Contd.
Q4 FY22 Financial Highlights Contd…. YoY Growth QoQ Growth Advances Rs. 60,022cr 2% 3% Wholesale Rs. 28,693cr 18% 5% Advances Retail Rs. 31,329cr (9%) 1% Advances Deposits Rs. 79,007cr 8% 7% CASA Rs. 27,879cr 20% 10% 9
Slide 14: Key Indicators – Business Breakup
Key Indicators – Business Breakup Advances by Segment (%) Deposit Breakup (%) 47.8% 14.6% 52.2% 20.7% Wholesale Retail 64.7% Retail Advances Breakup (%) 4.8% 1.8% 1.6% 7.9% 25.7% 15.5% Term Deposits Saving Deposits Current Deposits 42.7% Business Loans Credit Cards Microbanking Housing Loans Agri WC
Slide 15: Financial Performance
Financial Performance
Slide 16: Net Profit Improve QoQ
Net Profit Improve QoQ Parameter Q4 FY22 Q3 FY22 QoQ Q4 FY21 YoY FY22 FY21 Net Interest Income 1,131 1,010 12% 906 25% 4,027 3,788 Other Income 511 583 (12%) 549 (7%) 2,341 1,884 Net Total Income 1,643 1,593 3% 1,455 13% 6,367 5,672 Operating Profit 657 631 4% 737 (11%) 2,745 2,917 Provisions (Other
Slide 17: Balance Sheet Parameters
Balance Sheet Parameters Parameter March 31,2022 March 31,2021 YoY Advances 60,022 58,623 2% Deposits 79,007 73,121 8% Investments 22,274 23,230 (4%) Parameter March 31,2022 Dec 31,2021 March 31,2021 CASA 35.3% 34.4% 31.8% GNPA 4.40% 4.84% 4.34% NNPA 1.34% 1.85% 2.12% PCR 70.4% 62.9% 52.3% CRAR* 16.
Slide 18: Strong Growth in Core Fee Income in FY22
Strong Growth in Core Fee Income in FY22 Other Income Core Fee Income Breakup 549 583 511 1,884 2,341 540 557 516 1,599 2,074 11% 4% 15% 5% 4% 4% 4% 2% 4% (1%) 62% 89% 62% 61% 64% 56% 98% 96% 101% 85% 3% 85% 5% 3% 4% 2% 12% 14% 12% 13% 12% 9% 9% 9% 12% 8% 9% 10% 10% 10% 9% Q4 FY21 Q3 FY22 Q4 FY22 FY
Slide 19: Operating Costs Increase QoQ Driven By Business Volume Growth
Operating Costs Increase QoQ Driven By Business Volume Growth Operating Expenses 3,622 2,755 985 963 56% 50% 718 55% 5% 58% 6% 53% 12% 5% 13% 4% 12% 6% 12% 13% 31% 28% 29% 26% 28% Q4 FY21 Q3 FY22 Q4 FY22 FY 21 FY 22 15
Slide 20: Credit Costs Lower QoQ Despite Increase in PCR
Credit Costs Lower QoQ Despite Increase in PCR; Slippages on Downward Trend Net Credit Cost by Business (bps) 113* 73* 71* 410 515 494 128 301 68 65 109 5 6 21 Q4 FY21 Q3 FY22 Q4 FY22 FY 21 FY 22 (14) • Not Annualized for the bank or at individual segment level for the quarter 16
Slide 21: Advances Mix; Wholesale Drives YoY Growth
Advances Mix; Wholesale Drives YoY Growth Yield March 31,2022 March 31,2021 YoY Proportion FY22 C&IB 22,150 18,323 21% 6.5% CB 6,543 5,910 11% (7.7%) 48% Wholesale 28,693 24,233 18% Business Loans 8,058 10,765 (25%) Credit Cards 13,383 12,177 10% Micro-Banking 4,852 7,132 (32%) 15.3% Housing Loans 2
Slide 22: Borrowers’ External Rating Profile
Borrowers’ External Rating Profile* March 31, 2021 Dec 31, 2021 March 31, 2022 51,991 58,734 58,147 9,386 18.1% 14,754 11,246 19.3% 25.1% A- or A- or A- or 30.3% 15,766 better 16,003 better 19,065 32.8% better 27.2% 77.6% 80.3% 81.6% 15,176 29.2% 16,435 17,115 28.0% 29.4% 8,723 16.8% 15.5%** 8,718 8
Slide 23: Diversified Industry Mix – Continued Low Industry Concentration
Diversified Industry Mix – Continued Low Industry Concentration Top 10 Industry* Outstanding % of Outstanding FB+NFB Industry FB-NFB Split FB+NFB Exposure Exposure NBFC (ex. HFC & DFI) 4,128 100:0 5.3% Power 3,042 50:50 3.9% Retail/ Distribution 2,412 74:26 3.1% HFC 2,339 100:0 3.0% Construction 2,3
Slide 24: Asset Quality Snapshot
Asset Quality Snapshot Quarter Ended March 31, 2022 Dec 31, 2021 Sep 30, 2021 June 30, 2021 March 31, 2021 Movement of Gross NPAs Opening Balance 2,902 3,131 2,911 2,602 2,610 (+) Additions during the period 619 766 1,217 1,342 1,439 (-) Upgrade 105 181 180 157 322 (-) Recoveries 222 271 290 116 454
Slide 25: Asset Quality – NPA Position Improves QoQ
Asset Quality –NPA Position Improves QoQ Gross NPA by business segment Business segment March 31, Dec 31, 2021 Sep 30, 2021 June 30, 2021 Mar 31, 2021 2022 Wholesale 1,044 1,010 1,085 1,070 1,109 Retail 1,684 1,892 2,046 1,841 1,493 Business Loans 378 353 363 472 285 Credit Cards 325 388 574 520 702
Slide 26: Loan Provisions & Restructured Advances
Loan Provisions & Restructured Advances on 31st March 2022 Loan Provisions Breakup Particulars As of 31st For Q4 FY22 March 2022 NPA Specific Provision (towards 1,735 369 PCR) Additional provision on Micro- 187 187 Banking (towards PCR) SMA Provision (outside PCR) - (134) Restructured Provision (out
Slide 27: Capital Adequacy – Well Capitalized
Capital Adequacy –Well Capitalized Particulars March 31, 2022 Dec 31, 2021 March 31, 2021 Tier 1 Capital Funds* 12,301 12,060 12,301 Tier 2 Capital Funds 470 623 637 Total Capital Funds* 12,771 12,683 12,938 Total RWA 75,909 76,510 73,948 Tier 1 CRAR* 16.2% 15.8% 16.6% Total CRAR* 16.8% 16.6% 17.5%
Slide 28: CASA & Total Deposits - Healthy Growth YoY
CASA & Total Deposits - Healthy Growth YoY 20% YoY growth in CASA ; Total deposits grew by 8% YoY CASA : 31.8% CASA : 34.4% CASA : 35.3% CASA : 23,264 CASA : 25,318 CASA : 27,879 73,121 73,639 79,007 14.6% 13.3% 14.7% 20.7% 18.5% 19.7% 68.2% 65.6% 64.7% March 31, 2021 Dec 31, 2021 March 31, 2022 Ter
Slide 29: Deposits, Liquidity and Cost Trends
Deposits, Liquidity and Cost Trends Declining Cost of Funds and Cost of Deposits Surplus Liquidity Position 12.29% 11.46% 11.22% 11.62% 11.31% 11.26% 12.22% 171% 164% 154% 155% 134% 146% 138% 6.02% 5.76% 5.54% 5.27% 5.10% 4.82% 4.81% 5.98% 5.71% 5.45% 5.20% 5.01% 100% 100% 100% 100% 4.76% 4.75% 80%
Slide 30: Borrowing Lower QoQ
Borrowing Lower QoQ Borrowing Breakup 11,226 11,974 11,093 6% 6% 7% 7% 34% 49% 42% 59% 45% 51% March 31,2021 December 31,2021 March 31,2022 Refinance FCY CBLO/ TREPS LAF Tier II 26
Slide 31: Investment Book
Investment Book Investment Breakup 23,230 22,983 22,274 2% 3% 2% 10% 8% 3% 5% 6% 4% 82% 85% 91% March 31, 2021 December 31, 2021 March 31, 2022 G-Sec Debentures & Bonds Money Market /Equities/MF Others Yield (incl. RIDF) Yield Q4 FY22 Q3 FY22 Q4 FY21 FY22 FY21 Total Investments 5.6% 5.3% 6.0% 5.4% 6
Slide 32: Distribution Network
Distribution Network
Slide 33: Our Growing, Multi-Layered Distribution Network
Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 3 10.66 11.15 8.76 9.08 9.63 9.83 9.97 GIFT 52 2 city 12 New Delhi Sep 30, Dec 31, March June 30, Sep 30, Dec 31, March branch 2020 2020 31, 2021 2021 2021 2021 31, 2022 16 21 Channel Breakup 13 1 5 Channels Number
Slide 34: Shareholding Pattern & Ratings
Shareholding Pattern & Ratings
Slide 35: Diversified Shareholding & Strong Rating Profile
Diversified Shareholding & Strong Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.5 1.4 5.8 Basel III compliant Tier II ICRA AA-& bonds (Retained dated Feb 9, 2022) 30.7 CARE AA- (Stable) 28.2 (Re-affirmed dated Oct 6, 2021) Certificate of Deposits ICRA A1+ (Re-affirmed dated
Slide 36: Micro-Banking Update
Micro-Banking Update
Slide 37: Micro-Banking Distribution Network
Micro-Banking Distribution Network (1) BC Branches Opened in FY-22 :49 (2) State & District Presence: (50) 6 • 21 States and 2 Union Territory (43) (85) 104 • 412 Districts (61) (32) (120) (2) Branches : 57 (53) 99 16 (46) (47) (79) • Micro-Banking Branches : 1,240 26 83 • RBL Finserve Branches: 711
Slide 38: Micro-Banking - Portfolio Concentration
Micro-Banking - Portfolio Concentration State Name % of Portfolio % of % of % of % of Mar’22 Portfolio Portfolio Portfolio Portfolio Dec’21 Mar’21 Mar’20 Dec’20 Top-3 & Top-5 Portfolio Contribution 61% Bihar 18.9% 15.7% 12.8% 14.7% 12.6% 49% 50% Rajasthan 14.7% 13.0% 10.9% 7.3% 8.5% 45% 37% 32% Utta
Slide 39: Portfolio growth driven by new customers, ticket size growth moderate
Portfolio growth driven by new customers, ticket size growth moderate 3.10 Mn active loan accounts In Rs. crores Portfolio Composition 27% 7,265 6,472 5,500 5,038 73% Mar 31,2019 Mar 31,2020 Mar 31,2021 Mar 31,2022 New-Book-Post COVID Old-Book-Pre-COVID Average Ticket Size (ATS) of new loans Average
Slide 40: Collections Efficiency
Collections Efficiency Collection-Efficiency 96.90% 96.79% 97.79% 97.03% 94.14% 92.81% 90.60% 89.53% 83.48% 82.24% Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Collections Efficiency Collection Efficiency- Non- NPA Book Collection Efficiency- Non-NPA Book 99.64% 95.88% 98.42% 99.03% 99.53% 90.64% 89.95% 93.24
Slide 41: Credit Card Update
Credit Card Update
Slide 42: Growth & Market Share
Growth & Market Share Feb’21 Feb’22 RBL Industry RBL Industry 3.6 M 71.7 M CIF 2.9 M 61.6 M 25% 16% 3,867 Cr 86,305 Cr Spends 2,864 Cr 60,357 Cr 35% 43% 13,807 Cr 1,44,003 Cr Advances 12,719 Cr 1,16,290 Cr 9% 24% Market Share – Cards (#) Market Share - Spends Market Share - Advances 5.1% 4.8% 4.7% 4
Slide 43: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Cards in Force (Million) Acquisition (Million) 3.63 3.68 3.46 3.56 0.60 3.08 3.10 2.96 0.45 0.38 0.29 0.24 0.17 0.14 0.14 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Jan'22 Feb'22 Mar'22 Q4'21 Q1'22 Q2'22 Q3'22 Jan'22 Feb'22 Mar'22 Advances Breakup (Cr.) Total Spends (Cr.) 12,625 1
Slide 44: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Consumer Loans ('000) Retail Spend 1,042 876 855 24,963 24,442 25,228 22,684 23,611 23,416 757 753 21,232 11,455 10,984 11,809 11,158 11,836 9,620 10,461 255 285 213 Q4'21 Q1'22 Q2'22 Q3'22 Jan'22 Feb'22 Mar'22 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Jan'22 Feb'22 Mar'22 Retail
Slide 45: Credit Cards – Customer Segment insights
Credit Cards – Customer Segment insights Salaried : Self Employed (SE) mix City Tier Mix 100% 100% 90% 17% 18% 19% 20% 21% 23% 30% 29% 29% 29% 29% 29% 31% 31% 26% 28% 80% 80% 12% 12% 12% 12% 12% 70% 12% 11% 11% 60% 60% 50% 40% 40% 70% 71% 71% 71% 71% 71% 69% 69% 71% 70% 69% 68% 67% 66% 63% 30% 61% 2
Slide 46: Spend Trend
Spend Trend Spend Impact and Recovery Spends by category Spends Spend 129% Indexed 118% Spend Type Mar’21 Jun’21 Sept’21 Dec’21 Mar’22 113% (Mar’22 100% vs Mar’21) Daily 76% 80% 79% 79% 79% 1.08 Ecom 53% 57% 60% 64% 61% 1.24 Mar'21 Jan'22 Feb'22 Mar'22 POS 47% 43% 40% 36% 39% 0.90 Discretionary 20%
Slide 47: Credit Cards – tighter control on new bookings resulting in delinquencies in line with industry
Credit Cards – tighter control on new bookings resulting in delinquencies in line with industry. 18.0% Refer note below 16.0% 6MOB$30+ Comparison with Industry 14.0% 12.0% INDUSTRY RBL 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Refer note below 12.0% 3MOB$30+ Comparison with Industry 7.0% INDUSTRY RBL 2.0% -3.0
Slide 48: Collection Efficiency
Collection Efficiency Resolution Rate Bucket-0 Resolution Rate Bucket-1 100% 100% 100% 101% 101% 101% 101% 101% 101% 101% 100% 96% 98% 101% 100% 99% 103% 102% 101% 99% 94% 55% 46% 85% Resolution Rate Bucket-2 Resolution Rate Bucket-3 137% 142% 132% 134% 125% 125% 127% 124% 123% 120% 124% 118% 124% 1
Slide 49: Tighter risk measures on new acquisition – lowering risk in the portfolio
Tighter risk measures on new acquisition – lowering risk in the portfolio Lower value @ risk for same number Higher proportion of low risk clients delinquency vs industry* 90% 3.00 Pre-Covid 80% 2.50 70% 2.03 Post-Covid 1.92 1.81 60% 2.00 1.66 1.51 1.50 1.59 50% 1.50 1.37 1.50 1.32 40% 0.92 0.90 0.8
Slide 50: Conservative exposure strategy post Covid on new acquisition
Conservative exposure strategy post Covid on new acquisition - lower value at risk Prudent Credit limit assignment Average Credit Limit for new customers 1,60,000 Pre-Covid 99,475 1,40,000 Post-Covid 79,882 1,20,000 61,411 1,00,000 44,777 45,042 80,000 43,715 60,000 40,000 20,000 Jul-Sep'20 Oct-Dec'
Slide 51: Digital Banking Update
Digital Banking Update
Slide 52: New mobile applications
New mobile applications RBL BizBank RBL Diplomat For Business Owners and For Diplomats and Embassy Authorisers Customers Approve/Reject Transactions Manage & View Fund transfers, Bulk Upload, Foreign & Indian currency Add/Modify beneficiary and Bank Accounts in one place Service requests FCY to INR
Slide 53: Payments Business Update
Payments Business Update
Slide 54: Deeper Connect by enhancing the value proposition in the payments landscape
Deeper Connect by enhancing the value proposition in the payments landscape… Deeper Connect by enhancing the value proposition in the payments landscape… 1 7 Correspondent bank Digital Onboarding relationships Issuance, Interbank tieups for Acquiring Nostro settlements services 2 Payment and Cash wi
Slide 55: Our Continual market standing in the digital space
Our Continual market standing in the digital space… QOQ Increase in QOQ Increase in Acquiring Txn Volume ~ Acquiring Onboarding ~ API Calls – 28.80 crore 8.4% 10.7% For period Jan 22 to Mar 22 68.41 L 9.5 CR Overall BAAS Total Transaction Customers* Volume (in nos.) * Overall number of Payment Aggre
Slide 56: Deepening our digital footprint
Deepening our digital footprint… Issuance Products INR Remittances FX Products Acquiring & Aggregation API, UPI & Others . • 3.3% growth in value QOQ • Simplified Merchant • Large government deal in Onboarding Process • 3.15 Lac Unique Customer • Launched outward • UPI integration for one of the pip
Slide 57: Marketing Update
Marketing Update
Slide 58: Key Highlight for Q4 FY22
Key Highlight for Q4 FY22 Awarded Best Data Analytics Project for ‘Rural Vehicle Finance’ at The Asset Triple A Digital Awards 2022 54
Slide 59: Annexures
Annexures
Slide 60: Board of Directors
Board of Directors Mr. Rajeev Ahuja Mr. Prakash Chandra Interim Managing Director and CEO Non – Executive Independent Director (Part Time Chairman) Previously, associated with Citibank India, Bank of America, India Previously, Chairman of Central Board of Direct Taxes (CBDT) and Bankers Trust Compan
Slide 61: Professional and Experienced Leadership Team
Professional and Experienced Leadership Team Mr. Rajeev Ahuja Mr. Vishwavir Ahuja Managing Director and CEO (Interim) Proceeded on leave Previously, associated with Citibank India, Bank of America, India Managing Director & Country Executive Officer of Bank of America and Bankers Trust Company (35)
Slide 62: Professional and Experienced Leadership Team (Contd.)
Professional and Experienced Leadership Team (Contd.) Mr. Bhavtaran Singh (Sunny) Uberai Mr. Pankaj Sharma Head – Client Services Chief Operations Officer Previously, associated with ABN Amro Bank and Arete Financial Previously, Head Retail Operations, Axis Bank Partners, Singapore (35) (21) Mr. San
Slide 63: Profit & Loss Statement
Profit & Loss Statement Particulars Q4 FY22 Q4 FY21 Q3 FY22 FY22 FY21 Income Interest Earned 2,131 1,965 2,044 8,176 8,329 Interest Expended 1,000 1,059 1,034 4,149 4,541 Net Interest Income 1,131 906 1,010 4,027 3,788 Other Income 511 549 583 2,341 1,884 Total Income 1,643 1,455 1,593 6,367 5,672 E
Slide 64: Balance Sheet Statement
Balance Sheet Statement Particulars March 31, 2022 Dec 31, 2021 March 31, 2021 Liabilities Capital 600 599 598 Reserves and Surplus 12,019 11,814 12,065 Deposits 79,007 73,639 73,121 Borrowings 11,093 11,974 11,226 Other Liabilities 3,491 3,877 3,641 Total 106,209 101,903 100,651 Assets Cash & Balan
Slide 65: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q4 FY22 Q4 FY21 Q3 FY22 FY22 FY21 Income Interest Earned 2,201 2,058 2,107 8,445 8,676 Interest Expended 1,000 1,059 1,034 4,148 4,539 Net Interest Income 1,201 999 1,073 4,297 4,136 Other Income 513 551 584 2,352 1,875 Total Income 1,714 1,550 1,657
Slide 66: Consolidated Balance Sheet Statement
Consolidated Balance Sheet Statement Particulars March 31, 2022 Dec 31, 2021 March 31, 2021 Liabilities Capital 600 599 598 Reserves and Surplus 11,931 11,759 12,068 Deposits 79,006 73,637 73,055 Borrowings 11,098 11,975 11,226 Other Liabilities 3,528 3,899 3,672 Total 106,163 101,870 100,619 Assets
Slide 67: Our History
Our History FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 Particulars Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 10,290 12,254 12,006 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 73,121 79,007 Advances (Net) 1,905 4,132 6,376
Slide 68: Thank you
Thank you Contact us at: ir@rblbank.com +91-22-4302 0600 Please email us your contact details at the above id to get added to our investor relations mailing list Please visit our Investor Relations website – https://ir.rblbank.com/ 64