Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q2 FY22 Earnings Presentation
67 slides from Rbl Bank's earnings presentation, Oct 28, 2021
Slide 1: Investor Presentation Q2 FY22
Investor Presentation Q2 FY 22 Oct 28, 2021
Slide 2: 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 3: 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 LAP Loan Against Property ARC Asset Reconstruction Company MF Mutual Funds ATM Automated Teller Machine Mn Million BC Business Corre
Slide 4: Table of Contents
Table of Contents Topic Page Number Key Performance Highlights 5 Financial Performance 11 Distribution Network 29 Shareholding Pattern and Ratings 31 Micro-Banking and Retail Update 33 Credit Card Update 40 Branch and Business Banking Update 50 Payments Business Update 54 Annexures 58 4
Slide 5: Key Performance Highlights
Key Performance Highlights
Slide 6: Q2 FY22 Financial Highlights
Q2 FY22 Financial Highlights YoY Revenue growth of 12% aided by Other Income growth of 42% PPOP growth of 2% YoY to Rs. 691 crore; Net Profit at Rs. 31 crore for Q2 FY22 NIM at 4.1%, impacted by interest reversals Wholesale Advances Grew 5% YoY; Retail : Wholesale mix at 55:45 Strong Deposit growth
Slide 7: Q2 FY22 Highlights Contd....
Q2 FY22 Highlights Contd…. Strong Revenue and Operating Handsome Deposit Growth Healthy Capitalisation and Profit Growth Continues.. Liquidity Levels ▪ Total Deposits grew 17% YoY and ▪ Total Revenue grew 12% YoY to 1% QoQ ▪ CRAR at 16.33% and CET 1 to 1508 crore ▪ CASA grew 33% YoY and 7% 15.54% ▪
Slide 8: Q2 FY22 Highlights
Q2 FY22 Highlights YoY Growth Net interest Income Rs. 915cr (2%) Core Fee Income Rs. 506cr 46% Net Total Income Rs. 1,508cr 12% Operating Profit Rs. 691cr 2% Net Profit / (Loss) Rs. 31cr - 8
Slide 9: Q2 FY22 Highlights Contd....
Q2 FY22 Highlights Contd…. YoY Growth QoQ Growth Advances Rs. 56,009cr 0% (1%) Wholesale Rs. 25,224cr 5% 3% Advances Retail Rs. 30,784cr (4%) (4%) Advances Deposits Rs. 75,588cr 17% 1% CASA Rs. 26,734cr 33% 7% 9
Slide 10: Key Indicators – Business Breakup
Key Indicators – Business Breakup Advances by Segment (%) Deposit Breakup (%) 12.7% 45.0% 55.0% 22.6% Wholesale Retail 64.6% Retail Advances Breakup (%) 4.0% 4.0% 5.0% 30.3% 16.1% Term Deposits Saving Deposits Current Deposits 40.5% Business Loans Credit Cards Microbanking Housing Loans Agri Others
Slide 11: Financial Performance
Financial Performance
Slide 12: Net Total Income / PPOP Impacted By Interest Reversals
Net Total Income / PPOP Impacted By Interest Reversals Parameter Q2 FY22 Q1 FY22 QoQ Q2 FY21 YoY H1 FY22 H1 FY21 Net Interest Income 915 970 (6%) 932 (2%) 1,885 1,973 Other Income 593 653 (9%) 418 42% 1,246 759 Net Total Income 1,508 1,623 (7%) 1,350 12% 3,131 2,733 Operating Profit 691 766 (10%) 68
Slide 13: Balance Sheet Parameters
Balance Sheet Parameters Parameter Sep 30,2021 Sep 30,2020 YoY Advances 56,009 56,162 0% Deposits 75,588 64,506 17% Investments 21,773 21,277 2% Parameter Sep 30,2021 June 30,2021 Sep 30,2020 CASA 35.4% 33.7% 31.1% GNPA 5.40% 4.99% 3.34% NNPA 2.14% 2.01% 1.38% PCR (incl. Technical Write-offs) 76.6%
Slide 14: Core Fee Income Trending Up QoQ
Core Fee Income Trending Up QoQ Other Income Core Fee Income Breakup 1,246 1,001 4% 20% 346 494 506 578 653 593 759 4% 4% 24% 15% 64% 24% 6% 418 80% 17% 6% 65% 57% 63% 76% 76% 85% 2% 85% 58% 3% 3% 12% 2% 83% 2% 13% 14% 11% 13% 8% 7% 8% 8% 9% 11% 11% 9% 12% 10% Q2 FY21 Q1 FY22 Q2 FY22 H1 FY21 H1 FY22
Slide 15: Operating Costs Stable QoQ
Operating Costs Stable QoQ Operating Expenses 1,353 1,674 669 857 817 55% 50% 54% 57% 48% 5% 6% 12% 4% 5% 13% 6% 12% 12% 14% 28% 32% 27% 29% 32% Q2 FY21 Q1 FY22 Q2 FY22 H1 FY21 H1 FY22 15
Slide 16: Credit Costs Lower QoQ; Bulk Of the Credit Costs Absorbed in H1
Credit Costs Lower QoQ ; Bulk Of the Credit Costs Absorbed in H1 Net Credit Cost by Business (bps) 94* 255* 118* 185* 374* 364 258 105 113 62 72 32 (3) 13 10 Q2 FY21 Q1 FY22 Q2 FY22 H1 FY21 H1 FY22 • Not Annualized for the bank or at individual segment level for the quarter 16
Slide 17: Advances Mix; Cautious on Retail Growth
Advances Mix; Cautious on Retail Growth Yield Sep 30,2021 Sep 30,2020 YoY Proportion H1 FY22 C&IB 19,397 17,815 9% 6.6% CB 5,828 6,204 (6%) (8.1%) 45% Wholesale 25,224 24,020 5% Business Loans 9,333 10,901 (14%) Credit Cards 12,482 11,286 11% Micro-banking 4,959 6,686 (26%) 14.7% Housing Loans 1,548
Slide 18: Borrowers’ External Rating Profile – Consistently Moving Up the Risk Curve
Borrowers’ External Rating Profile* – Consistently Moving Up the Risk Curve Sep 30, 2020 June 30, 2021 Sep 30, 2021 49,941 51,313 54,802 5,994 12.0% 8,925 17.4% 11,186 20.4% 15,371 30.8% A- or A- or A- or 15,449 30.1% 16,404 29.9% better better better 75.1% 77.6% 78.3% 16,122 32.3% 15,431 30.1% 15,3
Slide 19: Diversified Industry Mix – Continue Low Industry Concentration
Diversified Industry Mix – Continue Low Industry Concentration Top 10 Industry* Outstanding % of Outstanding FB+NFB Industry FB-NFB Split FB+NFB Exposure Exposure NBFC (ex. HFC & DFI) 3,485 100:0 4.7% Construction 2,733 32:68 3.7% Power 2,733 41:59 3.7% HFC 2,304 100:0 3.1% Retail/ Distribution 2,23
Slide 20: Asset Quality Snapshot
Asset Quality Snapshot Quarter Ended Sep 30, 2021 June 30, 2021 March 31, Dec 31, 2020 Sep 30, 2020 2021 (Proforma) (Proforma) Movement of Gross NPAs Opening Balance 2,911 2,602 2,610 2,001 1,992 (+) Additions during the period 1,217 1,342 1,439 1,470 234 (-) Upgrade 180 157 322 5 3 (-) Recoveries 2
Slide 21: Loan Related Provisions held as on 30th Sep 2021
Loan Related Provisions held as on 30th Sep 2021 • Specific (incl. additional/ accelerated) provision of Rs. 1,931 crore (towards PCR) • Restructured provision of Rs. 258 crore (outside PCR) • Additional Covid Provision of Rs. 134 crore (outside PCR) • Standard provision of Rs. 266 crore (outside PC
Slide 22: Asset Quality – Net NPA stable despite COVID challenges
Asset Quality – Net NPA stable despite COVID challenges Gross NPA by business segment Business segment Sep 30, 2021 June 30, 2021 Mar 31, 2021 Dec 31, 2020 Sep 30, 2020 (Proforma) (Proforma) Wholesale 1.87% 1.84% 1.85% 1.75% 2.62% Retail 3.53% 3.15% 2.49% 2.82% 0.87% Business Loans 0.63% 0.81% 0.47%
Slide 23: Capital Adequacy – Continue To Remain Well Capitalized
Capital Adequacy – Continue To Remain Well Capitalized Particulars Sep 30, 2021 Sep 30, 2020 June 30, 2021 Tier 1 Capital Funds* 11,895 10,554 11,850 Tier 2 Capital Funds 610 962 780 Total Capital Funds* 12,504 11,516 12,630 Total RWA 76,564 69,799 73,635 Tier 1 CRAR* 15.5% 15.1% 16.1% Total CRAR* 1
Slide 24: CASA Grew 7% Sequentially; Total Deposits Grew 1% Sequentially
CASA Grew 7% Sequentially; Total Deposits Grew 1% Sequentially 33% YoY growth in CASA, 7% QoQ ; Total deposits grew by 17% YoY, 1% QoQ CASA : 31.1% CASA : 33.7% CASA : 35.4% CASA : 20,064 CASA : 25,071 CASA : 26,734 74,471 75,588 12.7% 64,506 12.7% 11.4% 20.9% 22.6% 19.7% 66.3% 64.6% 68.9% Sep 30, 2
Slide 25: Deposits and Liquidity – Improving Granularity Driving Lower Costs
Deposits and Liquidity – Improving Granularity Driving Lower Costs Declining Cost of Funds and Cost of Deposits Surplus Liquidity Position 6.54% 6.27% 155% 164% 171% 164% 154% 155% 6.02% 5.76% 5.54% 134% 5.27% 5.10% 6.40% 6.27% 5.98% 5.71% 5.45% 5.20% 5.01% 100% 80% 80% 90% 90% 100% 100% March June
Slide 26: Borrowing Higher QoQ driven by Money Market Borrowings
Borrowing Higher QoQ driven by Money Market Borrowings Borrowing Breakup 13,256 10,046 12,939 6% 6% 1% 19% 7% 40% 30% 36% 55% 57% 44% Sep 30, 2020 June 30, 2021 Sep 30, 2021 Refinance FCY CBLO/ TREPS LAF Tier II 26
Slide 27: Investment Book Lower QoQ
Investment Book Lower QoQ Investment Breakup 21,277 25,314 21,773 1% 10% 2% 3% 3% 7% 12% 9% 3% 87% 82% 83% Sep 30, 2020 June 30, 2021 Sep 30, 2021 G-Sec Debentures & Bonds Money Market /Equities/MF Others Yield Yield Q2 FY22 Q1 FY22 Q2 FY21 H1 FY22 H1 FY21 Total Investments 5.3% 5.4% 6.6% 5.4% 6.8%
Slide 28: Cost of Deposits/ Cost of Funds Trending Lower QoQ
Cost of Deposits/ Cost of Funds Trending Lower QoQ FY19 Q1 20 Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Yield on Advances 11.2% 12.0% 12.1% 12.3% 12.5% 13.0% 12.3% 11.5% 11.2% 11.6% 11.3% Cost of Funds 6.8% 7.0% 6.9% 6.8% 6.5% 6.3% 6.0% 5.8% 5.5% 5.3% 5.1% Cost of Deposits 6.8% 7.0% 6.9%
Slide 29: Distribution Network
Distribution Network
Slide 30: Our Growing, Multi-Layered Distribution Network
Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 3 9.83 9.97 9.63 8.76 9.08 46 8.49 8.44 GIFT 2 city 10 New Delhi March June 30, Sep 30, Dec 31, March June 30, Sep 30, branch 31, 2020 2020 2020 2020 31, 2021 2021 2021 13 18 Channel Breakup 12 1 5 Channels Number o
Slide 31: Shareholding Pattern & Ratings
Shareholding Pattern & Ratings
Slide 32: Diversified Shareholding & Strong Rating Profile
Diversified Shareholding & Strong Rating Profile Shareholding by category (%) Ratings Instrument Rating 5.4 1.4 0.4 Basel III compliant Tier II ICRA AA- hyb (Stable) bonds (Re-affirmed dated Feb 22, 2021) 27.8 CARE AA- (Stable) 29.2 (Re-affirmed dated Oct 6, 2021) Certificate of Deposits ICRA A1+ 13
Slide 33: Micro-Banking and Retail Update
Micro-Banking and Retail Update
Slide 34: Micro-Banking Distribution Network
Micro-Banking Distribution Network BC Branches Opened in Q2-FY-22 : 19 (50) (1) State & District Presence: 6 • 21 States and 1 Union Territory (42) (82) • 414 Districts 96 (54) (32) (120) (2) Branches : 57 51 99 16 • Micro-Banking Branches : 1,228 (47) (47) (22) (79) 26 • RBL Finserve Branches: 611
Slide 35: Micro-Banking - Portfolio Concentration
Micro-Banking - Portfolio Concentration RBL Portfolio- Top-3 and Top-5 States 64% State Name % of Portfolio % of Portfolio % of Portfolio % of Portfolio 55% 55% Sep’21 Mar’21 Sep’20 Mar’20 39% 38% 38% Bihar 13.6% 12.8% 13.7% 14.7% Tamil Nadu 13.2% 13.0% 13.7% 13.4% Rajasthan 11.4% 10.9% 7.5% 7.3% Se
Slide 36: Portfolio growth driven by new customers, ticket size growth moderate
Portfolio growth driven by new customers, ticket size growth moderate 3.04 Mn active loan accounts Gross Advances* (Rs. Crores) Portfolio Composition 47% 53% 6,725 5,636 5,166 New-Book-Post COVID Old-Book-Pre-COVID Sept 30,2019 Sept 30,2020 Sept 30,2021 * Gross Advances Average Outstanding Balance A
Slide 37: Collections Efficiency – Micro-Banking
Collections Efficiency – Micro-Banking Collection-Efficiency 96.90% 97.03% 94.15% 94.14% 92.17% 89.01% 89.53% 88.36% 83.48% 82.24% Mar-21 Jun-21 Jul-21 Aug-21 Sep-21 Collections Efficiency Collection Efficiency- Non- NPA Book Collection Efficiency- Non-NPA Book 98.78% 98.64% 98.42% 90.17% 89.95% 86.
Slide 38: Restructuring – In Line With Peers
Restructuring – In Line With Peers Restructuring% as of Aug-2021 7.15% 6.93% 4.55% 4.19% 4.17% RBL Peer-Group-1 SFB Peer-Group-4 Industry Peer Group-1 : two largest banks, two SFB’s and two prominent MFI’s Peer Group-4: NBFC-MFI, SFB : Small Finance Banks Source - Bureau 38
Slide 39: Collection Efficiency – Retail Loans
Collection Efficiency – Retail Loans 99.3% 99.3% 99.5% 99.1% 99.2% 98.6% 97.3% 97.1% 95.8% 93.7% 89.2% 88.4% Current bucket (0 dpd) Portfolio (< 90dpd) Pre-covid (Feb-20) Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Collection efficiency in Retail Loans on the current bucket (0dpd) continues to be stable @99.
Slide 40: Credit Card Update
Credit Card Update
Slide 41: Growth & Market Share
Growth & Market Share Aug’20 Aug’21 RBL Industry RBL Industry 3.0 M 63.9 M CIF 2.6 M 57.8 M 15% 11% 3,482 Cr 77,981 Cr Spends 2,316 Cr 50,503 Cr 50% 54% 12,879 Cr 1,15,612 Cr Advances 10,862 Cr 1,04,833 Cr 19% 10% Market Share – Cards (#) Market Share - Spends Market Share - Advances 4.8% 4.8% 4.9%
Slide 42: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Cards in Force (Million) Acquisition (Million) 3.08 3.07 3.10 2.96 3.01 0.38 2.82 0.36 2.71 0.29 0.24 0.20 0.16 0.08 0.00 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Jul'21 Aug'21 Sept'21 Q2'21 Q3'21 Q4'21 Q1'22 Jul'21 Aug'21 Sept'21 Advances Breakup* (Cr.) Total Spends (Cr.) 10,31
Slide 43: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Consumer Loans ('000) Retail Spend 1,042 960 876 22,684 23,122 23,480 23,611 757 20,003 21,173 21,232 696 10,403 11,455 11,109 11,444 10,984 9,094 9,620 264 249 244 Q2'21 Q3'21 Q4'21 Q1'22 Jul'21 Aug'21 Sept'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Jul'21 Aug'21 Sept'21 Retai
Slide 44: 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% 80% 80% 12% 12% 12% 12% 12% 70% 12% 60% 60% 50% 40% 40% 70% 71% 71% 71% 71% 71% 71% 70% 69% 68% 67% 66% 30% 20% 20% 10% 0% 0% Jun'20 Sep'20 Dec'20 Ma
Slide 45: Spend Recovery
Spend Recovery Spend Impact and Recovery Spends by category Spend per Spends Card Spend Mar’21 Jun’21 Sept’21 Indexed Type# (Sept’21 vs 100% 102% 103% 102% Mar’21) Daily 76% 80% 79% 1.08 Ecom 53% 57% 60% 1.23 POS 47% 43% 40% 0.92 Mar'21 July'21 Aug'21 Sept'21 Discretio 20% 16% 16% 0.85 nary - Aug’21
Slide 46: 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 47: Collection Efficiency
Collection Efficiency Resolution Rate Bucket-0 Resolution Rate Bucket-1 100% 100% 101% 100% 100% 101% 101% 101% 100% 96% 100% 95% 98% 101% 105% 102% 98% 97% 94% 73% 64% 55% 46% 85% Resolution Rate Bucket-2 Resolution Rate Bucket-3 144%144% 138% 125% 124% 131% 118% 117% 116% 113% 118% 100% 105% 100%
Slide 48: 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* 70% 3.00 Pre-Covid 60% 2.50 2.03 50% 1.92 2.00 1.66 1.51 1.50 40% 1.50 1.37 1.50 1.32 30% 0.92 0.90 0.89 1.00 1.26 20% 0.50 10%
Slide 49: Conservative exposure strategy post Covid on new acquisition - lower value at risk
Conservative exposure strategy post Covid on new acquisition - lower value at risk Prudent Credit limit assignment Average Credit Limit for new customers 120,000 Pre-Covid 99,475 110,000 86,646 100,000 61,411 45,518 45,042 90,000 40,013 80,000 70,000 Jul-Sep'20 Oct-Dec'20 Jan-Mar'21 Apr-Jun'21 Jul-S
Slide 50: Branch and Business Banking Update
Branch and Business Banking Update
Slide 51: Granularity in Deposits
Granularity in Deposits TDs >1 year tenure as of 30th TDs<3Cr as of 30th 93% Sep 2021 Sep 2021 80% Savings Accounts 80% <5Cr balance as of YOY CASA growth 60% 30th Sep 2021 51
Slide 52: Increasing Shift to Digital Transactions – YoY Trends
Increaseing Shift to Digital Transactions – YoY Trends Digital channels penetration Digital channels penetration (Value growth) (Products sold) 41% Mobile Banking Term deposits, 232% Internet Banking Sovereign Gold Bonds Usage of Digital channels Usage of Digital channels (Behavioural shift) (Behavi
Slide 53: New Launches for growth
New Launches for growth Two new Visa Debit cards Online International Customised Mobile app • Signature Premium Debit card Money transfer #onthego • Available on retail internet for Diplomatic segment • Enterprise Debit Card banking • Convert FCY to INR (Balances • Credit & Debit card control & tran
Slide 54: Payments Business Update
Payments Business Update
Slide 55: 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 Interbank Issuance, tieups for Acquiring Nostro services 2 Payment and settlements Cash 6 Collection AEPS, DMT, withdrawal/ through account Indo APIs, transfer Nepal,
Slide 56: Our Continual market standing in the digital space
Our Continual market standing in the digital space… API : AEPS: RBL # 8 in MFI: 25% market share Increase in API calls by terms of transaction disbursements through over 300% processed API For period Jul 21 to Sep 21 14.01 55.40 L CR Total Number of Total Transaction Customers Volume 56
Slide 57: Deepening our digital footprint
Deepening our digital footprint… Acquiring & Issuance Products INR Remittances FX Products API, UPI & Others Aggregation • Commenced • Increase in AEPS • 3.3% growth in value • Simplified Merchant • ~25% market share of development and testing Volumes by ~31% and QOQ Onboarding Process disbursements
Slide 58: Annexures
Annexures
Slide 59: Board of Directors
Board of Directors Mr. Vishwavir Ahuja Mr. Prakash Chandra Managing Director and CEO Non – Executive Independent Director (Part Time Chairman) Previously, Managing Director & Country Executive Officer of Bank Previously, Chairman of Central Board of Direct Taxes (CBDT) of America for Indian Sub-cont
Slide 60: 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 61: 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) (20) Mr. San
Slide 62: Profit & Loss Statement
Profit & Loss Statement Particulars Q2 FY22 Q2 FY21 Q1 FY22 H1 FY22 H1 FY21 Income Interest Earned 1,975 2,097 2,026 4,001 4,356 Interest Expended 1,059 1,165 1,056 2,116 2,383 Net Interest Income 915 932 970 1,885 1,973 Other Income 593 418 653 1,246 759 Total Income 1,508 1,350 1,623 3,131 2,733 E
Slide 63: Balance Sheet Statement
Balance Sheet Statement Particulars Sep 30, 2021 June 30, 2021 Sep 30, 2020 Liabilities Capital 599 598 509 Reserves and Surplus 11,653 11,610 10,363 Deposits 75,588 74,471 64,506 Borrowings 12,939 10,046 13,256 Other Liabilities 3,695 3,616 4,712 Total 104,474 100,342 93,347 Assets Cash & Balances
Slide 64: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q2 FY22 Q2 FY21 Q1 FY22 H1 FY22 H1 FY21 Income Interest Earned 2,034 2,183 2,103 4,138 4,529 Interest Expended 1,059 1,164 1,056 2,115 2,382 Net Interest Income 975 1,019 1,048 2,023 2,147 Other Income 595 412 660 1,255 753 Total Income 1,570 1,431 1,
Slide 65: Consolidated Balance Sheet Statement
Consolidated Balance Sheet Statement Particulars Sep 30, 2021 June 30, 2021 Sep 30, 2020 Liabilities Capital 599 598 509 Reserves and Surplus 11,633 11,611 10,367 Deposits 75,560 74,422 64,450 Borrowings 12,940 10,046 13,256 Other Liabilities 3,713 3,642 4,721 Total 104,444 100,320 93,303 Assets Goo
Slide 66: Our Recent History
Our Recent History FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 Q2 Particulars FY22 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 10,290 12,254 11,616 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 73,121 75,588 Advances (Net) 1,905 4,
Slide 67: 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/ 67