Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q1 FY20 Earnings Presentation
68 slides from Rbl Bank's earnings presentation, Jul 19, 2019
Slide 1: Board meeting outcome cover letter
b RBL BANK July 19, 2019 apno ka bank The Secretary, The Manager, Listing Department, Listing Department, BSE Limited, The National Stock Exchange Limited, 151 Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Sandra Kurla Complex, Sandra (East) Mumbai - 400001. Mumbai -4
Slide 2: Unaudited Standalone Financial Results Q1 FY20
RBL BANK <~pno ka bczrtk RBL Bank Limited Registered Office: 'Mahaveer', 179/E Ward, Shri Shahu Market Yard, Kolhapur- 416005 Corporate Office: One lndiabulls Centre, Tower 2B, 6th Floor, 841, Senapati Bapat Marg, Lower Parel (W}, Mumbai- 400013 Tel.: +91 22 4302 0600, Fax: +91 22 4302 0520 Website:
Slide 3: Standalone results: NPA and notes
RBL BANK apno ka bank Standalone Quarter ended Quarter ended Quarter ended Year ended Sr. 31.03.2019 Particulars 30.06.2019 30.06.2018 31.03.2019 No. (Refer Note 2) Unaudited Audited Unaudited Audited (a) Gross NPA 78,921 75,462 59,594 75,462 Net NPA 37,164 37,274 31,577 37,274 (b) Gross NPA% 1.38 1
Slide 4: Segment Reporting, Standalone
RBL BANK apno J<a bank SEGMENT REPORTING FOR THE QUARTER ENDED JUNE 30, 2019 (~in Lacs) Standalone Quarter ended Quarter ended Quarter ended Year ended Sr. 31.03.2019 Particulars 30.06.2019 30.06.2018 31.03.2019 No. (Refer Note 2) Unaudited Audited Unaudited Audited 1 Segment Revenue (a) Corporate I
Slide 5: Unaudited Consolidated Financial Results Q1 FY20
BL BANK apno ka bonk UNAUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 30, 2019 (~in Lacs) Consolidated Quarter ended Quarter ended Quarter ended Year ended Sr. 31.03.2019 Particulars 30.06.2019 30.06.2018 31.03.2019 No. (Refer Note 2) Unaudited Unaudited Unaudited Audited 1 Intere
Slide 6: Consolidated results: NPA ratios and notes
RBL BANK apno .k:a barrl< Consolidated Quarter ended Quarter ended Quarter ended Year ended Sr. 31.03.2019 Particulars 30.06.2019 30.06.2018 31.03.2019 No. (Refer Note 2) Unaudited Unaudited Unaudited Audited (iv) NPA Ratios (Refer Note 7) (a) Gross NPA 78,921 75,462 59,594 75,462 Net NPA 37,164 37,
Slide 7: Segment Reporting, Consolidated
RBL BANK SEGMENT REPORTING FOR THE QUARTER ENDED JUNE 30, 2019 (~in Lacs) Consolidated Quarter ended Quarter ended Quarter ended Year ended Sr. 31.03.2019 Particulars 30.06.2019 30.06.2018 31.03.2019 No. (Refer Note 2) Unaudited Unaudited Unaudited Audited 1 Segment Revenue (a) Corporate I Wholesale
Slide 8: Segment notes and signature
RBL BA K apno ka bank Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting structure, guidelines prescribed by RBI and in
Slide 9: Limited review report, standalone
BSR&Co. LLP Chartered Accountants 5th Floor, Lodha Excelus, Telephone +91 (22) 4345 5300 Apollo Mills Compound Fax +91 (22) 4345 5399 N. M. Joshi Marg, Mahalaxmi Mumbai - 400 011 India Limited review report on the unaudited standalone quarterly financial results of RBL Bank Limited pursuant to Regul
Slide 10: Limited review report, standalone (continued)
BSR&Co. LLP Limited review report on the unaudited standalone quarterly financial results of RBL Bank Limited pursuant to Regulation 33 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (Continued) or that it contains any material misst
Slide 11: Auditor's review report, consolidated
BSR&Co. LLP Chartered Accountants 5th Floor, Lodha Excelus, Telephone +91 (22) 4345 5300 Apollo Mills Compound Fax +91 (22) 4345 5399 N. M. Joshi Marg, Mahalaxmi Mumbai - 400 011 India Independent Auditor’s Review Report on unaudited consolidated quarterly financial results of RBL Bank Limited pursu
Slide 12: Auditor's review report, consolidated (continued)
BSR & Co. LLP Independent Auditor’s Review Report on unaudited consolidated quarterly financial results of RBL Bank Limited pursuant to the Regulation 33 of the SEBI (Listing Obligations’ and Disclosure Requirements) Regulations, 2015 (Continued) 4. The Statement includes the results of the followin
Slide 13: Press release: Q1 FY20 standalone results
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 For immediate release Standalone Financial Results for Quarter ended June 30, 2019 (Q1 FY20) RBL Bank reports advances growth of 35% in Q1 FY20, Operating profit increase of 43% and
Slide 14: Performance highlights Q1 FY20
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 Performance highlights – Quarter ended June 30, 2019 (Q1 FY20): Net Interest Income (NII) at 817.3 crore as against 552.7 crore in Q1 FY19, an increase of 48% Other Income at 481
Slide 15: Operating review
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 Operating review Asset growth and quality The Bank’s growth in advances portfolio continued to be robust at 35% on a year-on-year basis. The net advances as at June 30, 2019 were 56,
Slide 16: About RBL Bank
RBL Bank Limited One Indiabulls 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
Slide 17: Investor Presentation 1st Quarter FY20
Investor Presentation 1st Quarter/ FY 20 July 19, 2019
Slide 18: 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 19: Glossary and Key Notes
Glossary and Key Notes AEPS Aadhaar Enabled Payment System IFI Institutional Financial Inclusion Agri Agribusiness Banking INR Indian Rupee API Application Programming Interface IPO Initial Public Offering ARC Asset Reconstruction Company LAP Loan Against Property ATM Automated Teller Machine MF Mut
Slide 20: Table of Contents
Table of Contents Topic Page Number Key Performance Highlights 5 RBL Vision 2020 11 Financial Performance 15 Distribution Network 30 Shareholding Pattern and Ratings 32 Awards 34 Microbanking Update 36 Credit Cards Update 40 Annexures 43 4
Slide 21: Key Performance Highlights
Key Performance Highlights 5
Slide 22: Q1 FY20 Financial Highlights
Q1 FY20 Financial Highlights Q1 FY20 continues to track well to RBL Vision 2020 goals Total Revenue growth in Q1 FY20 of 48% YoY NII growth of 48% YoY in Q1 FY20; Other Income growth of 48% YoY in Q1 FY20 Net Profit growth of 41% YoY in Q1 FY20 NIM continues upward trajectory, 4.31% in Q1 FY20 vs. 4
Slide 23: Q1 FY20 Highlights
Q1 FY20 Highlights YoY Growth QoQ Growth Net interest Income Rs. 817cr 48% 11% Core Fee Income Rs. 411cr 42% 6% Net Total Income Rs. 1,299cr 48% 13% Operating Profit Rs. 619cr 43% 11% Net Profit Rs. 267cr 41% 8% 7
Slide 24: Q1 FY20 Highlights Contd
Q1 FY20 Highlights Contd…. YoY Growth QoQ Growth Advances Rs. 56,837cr 35% 5% Wholesale Rs. 30,713cr 23% 2% Advances Non-Wholesale Rs. 26,124cr 52% 8% Advances Deposits Rs. 60,811cr 35% 4% CASA Rs. 15,706cr 43% 8% 8
Slide 25: Key Indicators
Key Indicators Pre-IPO Advances Deposits Net Profit RoA BVPS FY 11 1,905 2,042 12 0.5% Rs. 50 FY 16 21,229 24,349 292 1.0% Rs. 91 (84% CAGR FY 11-16) (64% CAGR FY 11-16) (88% CAGR FY 11-16) Post Listing Performance Advances YoY NIM Net Profit RoA Q3 FY17 26,773 46% 3.4% 129 1.17% Q4 FY17 29,449 39%
Slide 26: Key Indicators – Business Breakup
Key Indicators – Business Breakup Advances by Segment (%) Deposit Breakup (%) 13.6% 9.3% 38.7% 16.5% 32.4% 74.2% 15.4% Term Deposits Saving Deposits CIB CB Retail Assets DB&FI Current Deposits 10
Slide 27: RBL Vision 2020
RBL Vision 2020 11
Slide 28: Performance Tracking to Vision 2020 Goals
Performance Tracking to Vision 2020 Goals RBL Vision 2020 Actual Q1 FY20 (Post IPO/Sept 2016) Advances 30-35% CAGR 35% FY 16: 18.6%; FY 17: 22.0%; 0.75 - 1% increase CASA Ratio FY 18: 24.3%; FY 19: 25.0%; every year Q1 FY20: 25.8% Other Income % ~ 1/3rd of Net Total Income 37% FY 16: 58.6%; FY 17: 5
Slide 29: Key Initiatives of Vision 2020
Key Initiatives of Vision 2020 Leveraging technology to acquire, engage and service clients API banking, Abacus (Digital savings account); Fintech Partnerships (Moneytap, Technology Zeta) ; Credit card partnerships (Bajaj Finserv, BookMyShow, ET Money) Enhancing distribution through a combination of
Slide 30: Our Fundamentals Have Resulted in Consistent Strong Performance
Our Fundamentals Have Resulted in Consistent Strong Performance Key Pillars Robust corporate governance framework and processes Broad Based Shareholder and Strong Capital Base Professional and experienced management team Eminent Board of Directors 14
Slide 31: Financial Performance
Financial Performance 15
Slide 32: Strong Profitability Momentum Continues
Strong Profitability Momentum Continues Parameter Q1 FY20 Q1 FY19 YoY Q4 FY19 QoQ FY19 Net Interest Income 817 553 48% 739 11% 2,539 Other Income 481 326 48% 409 18% 1,442 Net Total Income 1,299 879 48% 1,148 13% 3,982 Operating Profit 619 432 43% 560 11% 1,940 Net Profit 267 190 41% 247 8% 867 Para
Slide 33: Strong Growth in Business; Improvement in Asset Quality
Strong Growth in Business; Improvement in Asset Quality Parameter June 30,2019 June 30,2018 YoY Advances 56,837 42,198 35% Deposits 60,811 44,950 35% Investments 16,639 14,241 17% Parameter June 30,2019 June 30,2018 March 31,2019 CASA 25.8% 24.4% 25.0% GNPA 1.38% 1.40% 1.38% NNPA 0.65% 0.75% 0.69% N
Slide 34: Well Diversified Other Income Profile; Rising Core Fee Income
Well Diversified Other Income Profile; Rising Core Fee Income Other Income Core Fee Income Breakup 1,442 1,348 7% 9% 481 411 409 388 40% 9% 326 9% 15% 289 5% 47% 93% 8% 41% 4% 11% 13% 85% 40% 4% 95% 2% 4% 11% 12% 23% 12% 89% 23% 19% 24% 12% 12% 11% 12% Q1 FY19 Q4 FY19 Q1 FY20 FY 19 Q1 FY19 Q4 FY19 Q
Slide 35: Cost Increase Driven by Business Expansion; Range Bound Credit Costs
Cost Increase Driven by Business Expansion; Range Bound Credit Costs Operating Expenses Net Credit Cost by Business (bps) 25* 29* 35* 111 2,042 69 24 24 680 55% 588 446 60% 11 58% 6% 52% 8% 8 19 7 5% 13 6% 8% 10 6% 7% 8% 31% 3 3 3 2 2 29% 27% 1 34% 0 Q1 FY19 Q4 FY19 Q1 FY20 FY 19 Q1 FY19 Q4 FY19 Q1
Slide 36: Changing Advances Mix and Improving Yields Helping NIMs
Changing Advances Mix and Improving Yields Helping NIMs Yield June 30,2019 June 30,2018 YoY Proportion Q1 20 C&IB 21,980 17,149 28% 9.4% CB 8,733 7,837 11% (8.5%) 54% Wholesale 30,713 24,986 23% Retail Assets 18,390 11,361 62% LAP 6,945 4,339 60% Credit Cards 6,653 2,901 129% Retail Agri 1,523 1,525
Slide 37: Diversified Loan Portfolio
Diversified Loan Portfolio Break up of advances - Tenor of Advances Secured/Unsecured 56,837 56,837 54,308 54,308 7% 10% 9% 10% 7% 40,268 42,198 8% 25% 27% 7% 20% 11% 6% 21% 22% 16% 66% 63% 66% 67% 61% 71% June 30, 2018 March 31, 2019 June 30, 2019 June 30, 2018 March 31, 2019 June 30, 2019 Secured
Slide 38: Stable Borrowers' Rating Profile
Stable Borrowers’ Rating Profile June 30, 2018 March 31, 2019 June 30, 2019 4.2% 4.2% 3.3% 3.3% 2.1% 2.1% 9.3% 11.1% 10.4% 14.3% 16.1% 17.1% 31.4% 32.6% 33.8% 37.8% 38.3% 39.8% 50.1% 47.3% 45.8% 41.5% 39.3% 36.0% 5.7% 5.9% 3.1% 7.0% 4.3% 2.9% Internal Borrower Internal Facility Ratings Internal Borr
Slide 39: Diversified Industry Mix
Diversified Industry Mix Top 10 industry* Outstanding Industry FB-NFB Split % of Exposure Loan Exposure Construction 4,201 36:64 5.5% Engineering 3,713 33:67 4.9% NBFC (ex. HFC & DFI) 3,628 99:1 4.8% Retail/ Distribution 3,140 78:22 4.1% Pharma 2,586 83:17 3.4% Real Estate 2,434 91:9 3.2% Power 2,30
Slide 40: Asset Quality Continues to Remain Stable
Asset Quality Continues to Remain Stable Gross NPA by business segment Quarter Ended Business segment June March June June March June 30,2019 31,2019 30,2018 30,2019 31,2019 30,2018 Movement of Gross NPAs C&IB 139.5 121.5 92.3 Opening Balance 755 696 567 % of total advances 0.24% 0.22% 0.22% (+) Add
Slide 41: Capital Adequacy - Well Capitalized to Support Growth
Capital Adequacy - Well Capitalized to Support Growth Particulars June 30, 2019 June 30, 2018 March 31, 2019 Tier 1 Capital Funds* 7,443 6,728 7,210 Tier 2 Capital Funds 719 731 814 Total Capital Funds 8,162 7,459 8,024 Total RWA 65,740 51,211 59,607 Tier 1 CRAR* 11.3% 13.1% 12.1% Total CRAR* 12.4%
Slide 42: Sustained Growth in Deposits, Led by CASA
Sustained Growth in Deposits, Led by CASA 43% yoy growth in CASA, while total deposits grew by 35% CASA : 24.4% CASA : 25.0% CASA : 25.8% CASA : 10,975 CASA : 14,587 CASA : 15,706 60,811 58,394 9.3% 10.9% 44,950 16.5% 14.1% 11.6% 12.9% 75.0% 74.2% 75.6% June 30, 2018 March 31, 2019 June 30, 2019 Ter
Slide 43: Diversified Borrowing Streams
Diversified Borrowing Streams Borrowing Breakup 12,284 11,832 6% 6% 3% 9,261 8% 49% 40% 19% 6% 43% 51% 45% 24% June 30, 2018 March 31, 2019 June 30, 2019 Refinance FCY Inter-bank CBLO/LAF Tier II 27
Slide 44: Steady Investment Book
Steady Investment Book Investment Breakup 16,840 16,639 14,241 6% 5% 2% 6% 15% 12% 14% 8% 11% 71% 77% 72% June 30, 2018 March 31, 2019 June 30, 2019 G-Sec Debentures & Bonds Money Market /Equities/MF Others Yield Yield Q1 FY20 Q1 FY19 Q4 FY19 FY19 Total Investments 7.6% 7.3% 7.5% 7.4% SLR 7.8% 7.4%
Slide 45: NIM Improvement Helped by Lower Cost of Funds and Stable Yields
NIM Improvement Helped by Lower Cost of Funds and Stable Yields Pre-IPO FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 Yield on Advances 10.9% 12.6% 13.1% 12.9% 12.3% 11.7% Cost of Funds 5.8% 8.3% 9.6% 9.4% 8.4% 7.6% Cost of Deposits 5.8% 8.1% 8.9% 8.8% 8.3% 7.7% Post Listing Performance Q1 FY18 Q2 FY18 Q3 FY1
Slide 46: Distribution Network
Distribution Network 30
Slide 47: Our Growing, Multi-Layered Distribution Network
Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 3 6.51 6.92 4.91 5.33 5.82 GIFT 29 2 city 10 New Delhi branch June 30, September December March 31, June 30, 11 2018 30, 2018 31, 2018 2019 2019 10 6 Channel Breakup 1 Channels Number of transaction points 26 13 Jun
Slide 48: Shareholding Pattern & Ratings
Shareholding Pattern & Ratings 32
Slide 49: Diversified Shareholding & Strong/Improving Rating Profile
Diversified Shareholding & Strong/Improving Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.5 0.5 Basel III compliant Tier II ICRA AA- hyb (Stable) 6.9 bonds CARE AA- (Stable) 27.4 18.8 Certificate of Deposits ICRA A1+ 21.8 23.1 Medium term fixed deposit ICRA MAA (Stable) pro
Slide 50: Awards
Awards 34
Slide 51: Recent Awards
Recent Awards TransUnion CIBIL Awards BEST DATA QUALITY AWARD 2019 35
Slide 52: Microbanking Update
Microbanking Update 36
Slide 53: Microbanking Distribution Network
Microbanking Distribution Network State Name % of Portfolio Tamil Nadu 14% Bihar 14% Maharashtra 12% Karnataka 9% (25) Odisha 6 7% (19) West Bengal 8% Rajasthan 51 6% 48 Madhya Pradesh (37) (32) 5% (73) (2) Gujarat 4% 74 30 79 16 Punjab (42) (27) 5% (59) 22 Jharkhand 3% 74 Haryana 108 3% (21) Micro
Slide 54: Microbanking - Portfolio Growth
Microbanking - Portfolio Growth Portfolio Mix As of June 30, 2019 In Rs. crores RBL Finserve & 54.3% Direct Other BCs 45.7% Loan Tenor 5,028 4,969 0.8% 3,560 2,161 1,483 39.5% Mar 31,2016 Mar 31,2017 Mar 31,2018 Mar 31,2019 June 30,2019 59.7% 2.55 Mn active loan accounts 12 Months 18 Months 24 Month
Slide 55: Microbanking - Through the door Mix
Microbanking - Through the door Mix Bureau Rejection Rate Borrowing Cycle with RBL Bank 20% 21% 21% 23% 26% 33% 27% 28% 29% 26% 80% 79% 79% 77% 74% Q1 FY19 Q2 FY19 Q3 Fy19 Q4 FY19 Q1FY20 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 Q1 FY20 First Cycle Repeat Cycle Bureau Hit Rate 82% 82% 78% 79% 76% Q1 FY19 Q2 F
Slide 56: Credit Card Update
Credit Card Update 40
Slide 57: Credit Card Base Increasing Steadily
Credit Card Base Increasing Steadily Cards in Force ( In Mn) Card Additions ( In Mn) 2.02 0.39 1.71 0.31 0.34 1.43 0.26 1.19 0.21 0.97 0.18 0.20 0.62 0.80 Dec Mar Jun Sep Dec Mar Jun Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q1 20 31,2017 31,2018 30,2018 30,2018 31,2018 31,2019 30,2019 Advances Breakup (I
Slide 58: Credit Cards - Sticky Customer Spends
Credit Cards - Sticky Customer Spends Total Spends (In Rs Crore) Consumer Loans 19.0 20.79 20.09 18.6 19.19 19.39 19.19 1,435 5,936 1,186 1,024 4,712 4,403 4,208 790 755 3,234 636 544 512 2,378 1,889 412 382 325 285 214 170 Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q1 20 Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 1
Slide 59: Annexures
Annexures 43
Slide 60: Board of Directors
Board of Directors Mr. Vishwavir Ahuja Mr. Prakash Chandra Managing Director and CEO Non – Executive Part Time Chairman Previously, Managing Director & Country Executive Officer of Bank Previously, Chairman of Central Board of Direct Taxes of America for Indian Sub-continent (CBDT) Mr. Sivanandhan D
Slide 61: Professional and Experienced Leadership Team
Professional and Experienced Leadership Team Mr. Vishwavir Ahuja Mr. Rajeev Ahuja Managing Director and CEO Executive Director Managing Director & Country Executive Officer of Bank of America Previously, associated with Citibank India, Bank of America, India for Indian Sub-continent from 2007-2009 a
Slide 62: Professional and Experienced Leadership Team (Contd.)
Professional and Experienced Leadership Team (Contd.) Mr. Ramnath Krishnan Mr. Pankaj Sharma Chief Risk Officer Chief Operations Officer Previously, Country Chief Risk Officer , HSBC Malaysia Berhad Previously, Head Retail Operations, Axis Bank (31) (20) Mr. Mohit Kapoor Mr. Bhavtaran Singh (Sunny)
Slide 63: Profit & Loss Statement
Profit & Loss Statement Particulars Q1 FY20 Q1 FY19 Q4 FY19 FY19 Income Interest Earned 2,023 1,364 1,834 6,301 Interest Expended 1,205 812 1,095 3,761 Net Interest Income 817 553 739 2,539 Other Income 481 326 409 1,442 Total Income 1,299 879 1,148 3,982 Expenditure Operating Expenses 680 446 588 2
Slide 64: Balance Sheet Statement
Balance Sheet Statement Particulars June 30, 2019 March 31, 2019 June 30, 2018 Liabilities Capital 428 427 421 Reserves and Surplus 7,409 7,121 6,469 Deposits 60,811 58,394 44,950 Borrowings 12,284 11,832 8,564 Other Liabilities 3,113 2,585 2,159 Total 84,045 80,359 62,563 Assets Cash & Balances wit
Slide 65: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q1 FY20 Q1 FY19 Q4 FY19 FY19 Income Interest Earned 2,083 1,364 1,834 6,302 Interest Expended 1,205 811 1,095 3,761 Net Interest Income 878 553 739 2,541 Other Income 484 326 409 1,441 Total Income 1,362 879 1,148 3,982 Expenditure Operating Expenses
Slide 66: Consolidated Balance Sheet Statement
Consolidated Balance Sheet Statement Particulars June 30, 2019 March 31, 2019 June 30, 2018 Liabilities Capital 428 427 421 Reserves and Surplus 7,395 7,108 6,471 Deposits 60,807 58,358 44,931 Borrowings 12,284 11,832 8,564 Other Liabilities 3,139 2,673 2,194 Total 84,053 80,398 62,582 Assets Goodwi
Slide 67: Our Recent History
Our Recent History FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 Q1 Particulars FY20 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 7,574 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 60,811 Advances (Net) 1,905 4,132 6,376 9,835 14,450 21,229 29,449 40
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/ 52