Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q1 FY21 Earnings Presentation
74 slides from Rbl Bank's earnings presentation, Jul 28, 2020
Slide 1: Outcome of Board Meeting cover letter
b RBlBANK apno ka bank July 28, 2020 The Manager, The Manager, Listing Department, Listing Department, BSE Limited, National Stock Exchange Limited, 1 st Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E) Mumbai - 400001 Mumbai -400051 Scri
Slide 2: Independent Auditor's Review Report - Standalone
HARIBHAKTI & CO. LLP Chartered Accountants Independent Auditor’s Review Report on quarterly Unaudited Standalone Financial Results of RBL Bank Limited _pursuant_to the Regulation 33 of SEBI (Listing Obligations and Disclosures Requirements) Regulations, 2015 To the Board of Directors RBL Bank Limite
Slide 3: Independent Auditor's Review Report (continued)
HARIBHAKTI & CO. LLP Chartered Accountants disclosures relating to Pillar 3 disclosure as at June 30, 2020, including leverage ratio and liquidity coverage ratio under Basel Ill Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in the S
Slide 4: Unaudited Standalone Financial Results Q1 FY21
RBL Bank Limited Registered Office: 'Mahaveer', 179/E Ward, Shri Shahu Market Yard, Kolhapur - 416005 Corporate Office: One Indiabulls 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: www.rblbank.com | E-ma
Slide 5: Standalone results: NPA ratios and notes
|e) RBL BANK apno ka bank Standalone Quarter ended | Quarter ended | Quarter ended Year ended Sr. : 30.06.2020 31.03.2020 30.06.2019 31.03.2020 No Particulars Audie l F dite: * : Unaudited (Refer Note 3) Unaudited Audited (iv) | NPA Ratios (Refer Note 10) (a) Gross NPA 199,207 213,652 78,921 213,652
Slide 6: Notes to standalone results
|e) RBL BANK apno ka bank impact of COVID-19 based on the information available currently. The provisions held by the Bank are in excess of the RBI prescribed norms. 8. The business operations of the Bank are largely concentrated in India and for the purpose of segment reporting, the Bank is conside
Slide 7: Segment Reporting - Standalone
|e) RBLBANK SEGMENT REPORTING FOR THE QUARTER ENDED JUNE 30, 2020 apne ka bank (% in Lacs) Standalone Quarter ended | Quarter ended | Quarter ended Year ended Che, i 30.06.2020 31.03.2020 30.06.2019 31.03.2020 No. Pattculats fi Audited 5 Fi Unaudited (Refer Note 3) Unaudited Audited 1 Segment Revenu
Slide 8: Independent Auditor's Review Report - Consolidated
HARIBHAKTI & CO. LLP Chartered Accountants Independent Auditor’s Review Report on quarterly Unaudited Consolidated Financial Results of RBL Bank Limited pursuant_to the Regulation 33 of SEBI (Listing Obligations and Disclosures Requirements) Regulations, 2015 To The Board of Directors RBL Bank Limit
Slide 9: Independent Auditor's Review Report - Consolidated (continued)
HARIBHAKTI & CO. LLP Chartered Accountants 5. Based on our review conducted and procedures performed as stated in paragraph 3 above, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles lai
Slide 10: Unaudited Consolidated Financial Results Q1 FY21
|e) RBLBANK apno ka bank UNAUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 30, 2020 (% in Lacs) Consolidated Quarter ended | Quarter ended | Quarter ended Year ended Sr. Parti 30.06.2020 31.03.2020 30.06.2019 31.03.2020 No. articulars : Unaudited tiie 3) Unaudited Audited 1 | Inter
Slide 11: Consolidated results: NPA ratios and notes
bb RBL BANK apno ka bank Consolidated Quarter ended | Quarter ended | Quarter ended Year ended Sr. ‘ 30.06.2020 31.03.2020 30.06.2019 31.03.2020 NG: Particulars mie Unaudited (Refer Note 3) Unaudited Audited (iv) | NPA Ratios (Refer Note 11) (a) Gross NPA 199,207 213,652 78,921 213,652 Net NPA 93,26
Slide 12: Notes to consolidated results
|e) RBL BANK apno ka bank For all such accounts where the moratorium is granted, the asset classification shall remain stand still during the moratorium period (i.e. the number of days past-due shall exclude the moratorium period for the purposes of asset classification under the Income Recognition,
Slide 13: Segment Reporting - Consolidated
|e) RBL BANK apno ka bank SEGMENT REPORTING FOR THE QUARTER ENDED JUNE 30, 2020 (% in Lacs) Consolidated Quarter ended | Quarter ended | Quarter ended Year ended Sr. i 30.06.2020 31.03.2020 30.06.2019 31.03.2020 No. Particulars audited Unaudited (Refer Note 3) Unaudited Audited 1 Segment Revenue (a)
Slide 14: Press Release: Results for Quarter Ended 30th June 2020
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 PRESS RELEASE RBL BANK ANNOUNCES FINANCIAL RESULTS FOR THE QUARTER ENDED 30th JUNE 2020 The Board of Directors of RBL Bank Limited approved the financial results for the quarter ende
Slide 15: Key Financials
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 Key Financials: ` in crore Q1 FY21 Q4 FY20 QoQ Q1 FY20 YoY FY20 Net Interest Income 1,041 1,021 2% 817 27% 3,630 Other Income 334 501 (33%) 481 (31%) 1,910 Net Total Income 1,375 1,5
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 Q1 FY21
Investor Presentation 1st Quarter/ FY 21 July 28, 2020
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 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 20: Table of Contents
Table of Contents Topic Page Number Key Performance Highlights 5 Financial Performance 10 Distribution Network 29 Shareholding Pattern and Ratings 31 Micro-banking Update 33 Credit Cards Update 37 Annexures 48 4
Slide 21: Key Performance Highlights
Key Performance Highlights
Slide 22: Q1 FY21 Financial Highlights
Q1 FY21 Financial Highlights Total Revenue growth of 6% YoY in Q1 FY21 NII grew 27% YoY in Q1 FY21; Other Income decreased 31% YoY in Q1FY21 primarily due to lower credit card fees and credit offtake NIM at 4.85% in Q1 FY21 vs. 4.31% in Q1 FY20 (4.93% in Q4 FY20) PPOP growth of 14% YoY in Q1 FY21 to
Slide 23: Q1 FY21 Highlights
Q1 FY21 Highlights YoY Growth QoQ Growth Net interest Income Rs. 1,041cr 27% 2% Core Fee Income Rs. 239cr (42%) (49%) Net Total Income Rs. 1,375cr 6% (10%) Operating Profit Rs. 690cr 14% (8%) Net Profit Rs. 141cr (47%) 23% 7
Slide 24: Q1 FY21 Highlights Contd....
Q1 FY21 Highlights Contd…. YoY Growth QoQ Growth Advances Rs. 56,683cr 0% (2%) Wholesale Rs. 26,742cr (18%) (3%) Advances Non-Wholesale Rs. 29,941cr 24% (2%) Advances Deposits Rs. 61,736cr 2% 7% CASA Rs. 18,566cr 18% 8% 8
Slide 25: Key Indicators – Business Breakup
Key Indicators – Business Breakup Advances by Segment (%) Deposit Breakup (%) 13.0% 10.8% 35.1% 19.3% 39.8% 69.9% 12.1% Term Deposits Saving Deposits CIB CB Retail Assets DB&FI Current Deposits 9
Slide 26: Financial Performance
Financial Performance
Slide 27: Strong PPOP Momentum Despite COVID Impact
Strong PPOP Momentum Despite COVID Impact Parameter Q1 FY21 Q4 FY20 QoQ Q1 FY20 YoY FY20 Net Interest Income 1,041 1,021 2% 817 27% 3,630 Other Income 334 501 (33%) 481 (31%) 1,910 Net Total Income 1,375 1,522 (10%) 1,299 6% 5,540 Operating Profit 690 752 (8%) 603 14% 2,714 Net Profit 141 114 23% 26
Slide 28: Balance Sheet Parameters
Balance Sheet Parameters Parameter June 30,2020 June 30,2019 YoY Advances 56,683 56,837 0% Deposits 61,736 60,811 2% Investments 19,884 16,639 20% Parameter June 30,2020 March 31,2020 June 30,2019 CASA 30.1% 29.6% 25.8% GNPA 3.45% 3.62% 1.38% NNPA 1.65% 2.05% 0.65% Net Stressed Assets 1.73% 2.13% 0.
Slide 29: Other Income Impacted by Lower Card Income and Processing Fees
Other Income Impacted by Lower Card Income and Processing Fees Other Income Core Fee Income Breakup 1,909 1,743 9% 9% 470 500 481 411 7% 6% 54% 9% 15% 334 56% 47% 239 28% 3% 8% 91% 94% 2% 11% 12% 4% 85% 72% 53% 12% 13% 19% 3% 12% 16% 7% 10% 11% 9% 14% Q1 FY20 Q4 FY20 Q1 FY21 FY 20 Q1 FY20 Q4 FY20 Q1
Slide 30: Operating Costs Lower QoQ and Flat YoY
Operating Costs Lower QoQ and Flat YoY Operating Expenses 2,826 770 685 696 60% 61% 53% 62% 5% 5% 6% 7% 4% 7% 11% 8% 27% 26% 31% 27% Q1 FY20 Q4 FY20 Q1 FY21 FY 20 14
Slide 31: Credit Costs in Q1 to Increase PCR and Provisions Buffers
Credit Costs in Q1 to Increase PCR and Provisions Buffers Net Credit Cost by Business (bps) 35* 99*# 91*# 339 54 183 42 40 38 112 24 9 33 7 3 3 10 1 2 2 FY 20 Q1 FY20 Q4 FY20 Q1 FY21 * Not Annualized for the bank or at individual segment level for the quarter 15 # Includes covid related provisions o
Slide 32: Changing Advances Mix and Improving Yields Helping NIMs
Changing Advances Mix and Improving Yields Helping NIMs Yield June 30,2020 June 30,2019 YoY Proportion Q1 FY 21 C&IB 19,906 24,042 (17%) IFI 1,443 1,696 (15%) 8.5% 47% CB 6,837 8,733 (22%) (9.5%) Wholesale 26,742 32,774 (18%) Retail Assets 22,562 18,025 25% LAP 7,627 6,945 10% Credit Cards 10,289 6,
Slide 33: Diversified Loan Portfolio
Diversified Loan Portfolio Break up of advances - Tenor of Advances Secured/Unsecured 56,837 58,019 56,683 56,837 58,019 56,683 5% 7% 6% 9% 9% 10% 8% 7% 36% 35% 7% 27% 16% 18% 20% 59% 66% 59% 66% 63% 67% June 30, 2019 March 31, 2020 June 30, 2020 June 30, 2019 March 31, 2020 June 30, 2020 Secured Un
Slide 34: Borrowers' External Rating Profile – Based on Total Exposure
Borrowers’ External Rating Profile – Based on Total Exposure June 30, 2019 March 31, 2020 June 30, 2020 61,938 56,163 53,392 6.5% 8.4% 9.2% 27.1% 31.1% 31.0% 33.9% Based on 31.2% Based on 33.3% Facility Facility rating rating 27.1% 17.9% 21.1% 19.1% 20.7% 5.4% 6.5% 3.0% 7.5% 3.4% External Ratings Ex
Slide 35: Additional Colour on BBB and BB Rated Exposure- Stable QoQ
Additional Colour on BBB and BB Rated Exposure- Stable QoQ BBB Rated Exposure • Fully Secured, granular portfolio both in terms of size and sectoral exposure • Highest sectoral exposure of 2.0% • 360 customers with average exposure of Rs. 31 crore • Highest single exposure is Rs. 264 crore, fully se
Slide 36: Diversified Industry Mix
Diversified Industry Mix Top 10 Industry* Outstanding % of Outstanding FB+NFB Industry FB-NFB Split FB+NFB Exposure Exposure NBFC (ex. HFC & DFI) 4,605 99:1 6.3% Construction 3,235 32:68 4.4% Engineering 2,277 37:63 3.1% Retail/ Distribution 2,126 72:28 2.9% Real Estate 2,072 91:9 2.8% Power 1,959 5
Slide 37: Asset Quality – Strengthened PCR In the Quarter
Asset Quality – Strengthened PCR In the Quarter Gross NPA by business segment Quarter Ended Business segment June March June June March June 30,2020 31,2020 30,2019 30,2020 31,2020 30,2019 Movement of Gross NPAs C&IB 1,452.2 1,469.7 139.5 Opening Balance 2,137 2,010 755 % of total advances 2.51% 2.4
Slide 38: Capital Adequacy - Well Capitalized
Capital Adequacy - Well Capitalized Particulars June 30, 2020 June 30, 2019 March 31, 2020 Tier 1 Capital Funds* 10,407 7,443 10,324 Tier 2 Capital Funds 821 719 751 Total Capital Funds 11,228 8,162 11,075 Total RWA 68,671** 65,740 67,326 Tier 1 CRAR* 15.2% 11.3% 15.3% Total CRAR* 16.4% 12.4% 16.4%
Slide 39: CASA Continues Strong Growth; Total Deposits Grew 7% Sequentially
CASA Continues Strong Growth; Total Deposits Grew 7% Sequentially 18% YoY growth in CASA, 8% QoQ ; Total deposits grew by 2% YoY, 7% sequentially CASA : 25.8% CASA : 29.6% CASA : 30.1% CASA : 15,706 CASA : 17,116 CASA : 18,566 60,811 61,736 57,812 9.3% 10.8% 13.0% 16.5% 19.3% 16.6% 70.4% 69.9% 74.2%
Slide 40: Deposits and Liquidity – Some Recent Trends
Deposits and Liquidity – Some Recent Trends Cost of Deposits – Decreasing Trend Maintaining Surplus Liquidity 7.01% 6.90% 156% 158% 155% 164% 163% 6.71% 136% 6.40% 6.27% 100% 100% 100% 100% 80% 80% June 30, September December March 31, June 30, June 30, September December March 31, June 30, July 24,
Slide 41: Contactless Banking
Contactless Banking Digital Acquisition Digital Servicing Contactless offering (Incremental Growth Rate) Video KYC State of new customer on boarding Savings Accounts portal followed by Video KYC 234% Mobile Banking WhatsApp Banking ChatBot 152% Virtual Debit card 100% Gets issued with account openin
Slide 42: Diversified Borrowing Streams
Diversified Borrowing Streams Borrowing Breakup 17,007 16,029 4% 8% 5% 9% 12,284 6% 37% 39% 3% 40% 50% 48% 51% June 30, 2019 March 31, 2020 June 30, 2020 Refinance FCY Inter-bank CBLO/ LTRO LAF Tier II 26
Slide 43: Steady Investment Book
Steady Investment Book Investment Breakup 19,884 18,150 16,639 2% 2% 4% 3% 9% 5% 8% 6% 12% 85% 86% 77% June 30, 2019 March 31, 2020 June 30, 2020 G-Sec Debentures & Bonds Money Market /Equities/MF Others Yield Yield Q1 FY21 Q4 FY20 Q1 FY20 FY20 Total Investments 6.9% 6.8% 7.6% 7.3% SLR 6.9% 7.1% 7.8
Slide 44: NIM Improvement Helped by Higher Yields due to Changing Mix
NIM Improvement Helped by Higher Yields due to Changing Mix 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 FY17 FY18 FY19 Q1FY20 Q2FY
Slide 45: Distribution Network
Distribution Network
Slide 46: Our Growing, Multi-Layered Distribution Network
Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 3 7.32 7.82 8.49 8.44 38 6.92 GIFT 2 city 10 New Delhi branch June 30, Sep 30, Dec 31, March 31, June 30, 11 2019 2019 2019 2020 2020 11 9 Channel Breakup 2 Channels Number of transaction points 27 14 June 30, 2020
Slide 47: Shareholding Pattern & Ratings
Shareholding Pattern & Ratings
Slide 48: Diversified Shareholding & Strong Rating Profile
Diversified Shareholding & Strong Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.5 2.2 Basel III compliant Tier II ICRA AA- hyb (Stable) 7.6 bonds (Re-affirmed dated Jan 25.3 10, 2020) CARE AA- (Stable) (Re-affirmed dated Oct 3, 29.3 2019) 14.5 Certificate of Deposits ICRA A
Slide 49: Micro-Banking Update
Micro-Banking Update
Slide 50: Micro-banking Distribution Network
Micro-banking Distribution Network BC branches opened in Q1 FY-21 : 10 (28) 6 (22) 72 Status of Branches : 69 (68) (46) (45) (101) (2) • Micro Banking Branches : 1,091 70 16 (44) 49 92 • RBL Finserve Branches: 521 (45) (20) (72) 30 • Banking Outlets: 263 80 115 (6) (22) Micro-Banking Presence Operat
Slide 51: Micro-banking - Portfolio Concentration reducing in top 3 / 5 states
Micro-banking - Portfolio Concentration reducing in top 3 / 5 states RBL Portfolio- Top 3 & Top5 state concentration reducing % of % of 59% State Name Portfolio Portfolio 55% Jun’20 Mar’20 38% 41% Bihar 14.6% 14.7% Tamil Nadu 13.7% 13.4% Maharashtra 10.8% 10.7% Top3 Top5 Karnataka 8.8% 8.8% March'20
Slide 52: Portfolio growth driven by new customers, ticket size growth moderate
Portfolio growth driven by new customers, ticket size growth moderate 2.9 Mn active loan accounts In Rs. crores Micro-banking Portfolio Growth Loan Tenor 1.43% 28% 23% 32.66% 6,445 65.91% 6,117 4,969 5,028 12 Months 18 Months 24 Months June 30,2019 June 30,2020 Mar 31,2019 Mar 31,2020 Average OS Bal
Slide 53: Credit Card Update
Credit Card Update
Slide 54: Credit Cards - Growth & Market Share
Credit Cards - Growth & Market Share April’19 April’20 RBL Industry RBL Industry 2.6 M 57.4 M CIF 1.8 M 47.9 M 48% 20% 1,183 Cr 21,017 Cr Spends 1,870 Cr 58,051 Cr 37% 64% 10,052 Cr 96,978 Cr Advances 5,918 Cr 92,500 Cr 70% 5% Market Share – Cards (#) Market Share - Spends 5.6% Market Share - Advanc
Slide 55: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Cards in Force (Million) Card Additions (Million) 2.75 2.71 2.69 2.69 2.51 0.39 0.38 0.35 2.29 0.33 2.02 0.04 0.03 0.01 0.01 Q1'20 Q2'20 Q3'20 Q4'20 Apr'20 May'20 Jun'20 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Apr'20 May'20 Jun'20 Advances Breakup (Cr.) Total Spends (Cr.) 6,653
Slide 56: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Retail Spend / Card Consumer Loans ('000) 926 925 20,594 850 19,311 19,639 19,323 19,067 755 16,365 13,414 11,519 539 10,490 10,838 10,564 7,451 5,857 4,417 227 176 136 Q1'20 Q2'20 Q3'20 Q4'20 Apr'20 May'20 Jun'20 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Apr'20 May'20 Jun'20 Ret
Slide 57: Credit Cards – Customer Segment insights
Credit Cards – Customer Segment insights Salaried : Self Employed (SE) mix City Tier mix 0.78 17% 1.08 30% 0.82 12% 70% 0.96 71% 1.07 Salaried Self-Employed TIER1 TIER2 TIER3 Age Group mix 1.81 Carded Mix 0.88 1.46 1.15 19% 20% 14% 3% 26% 35% 1.04 0.95 83% 0.90 Below 30 30-35 35-45 45+ NTC Bureau Te
Slide 58: COVID-19 | Spend Impact & Recovery
COVID -19 | Spend Impact & Recovery Spends Spend/Card 100% 100% 84% 84% 55% 53% Mar'20 Lockdown* Recovery** Mar'20 Lockdown* Recovery** Spends dropped to 55% levels in Apr & May. Have recovered to 84% of March levels in July (78% in Jun) *Lockdown : Apr & May’20 ** Recovery : Jul’20 1st half RBL Ban
Slide 59: COVID-19 | Spend category Impact
COVID -19 | Spend category Impact Mar’20 Spend Mix Lockdown* Recovery Ph.** Spend Type Categories (Online Share in Spend vs Mar’20 Spend vs Mar’20 brackets) (Online Share) (Online Share) Grocery/Stores, Telecom, Utility, 78% 58% 85% Daily Education, Health & Insurance, Wallet (51%) (61%) (57%) Load,
Slide 60: COVID-19 Impact, Response & Transformation
COVID -19 Impact, Response & Transformation Customers under Moratorium Moratorium (lacs) 16% Touch-Free Sourcing • Extended moratorium to all customers including suo 13% Touch-free based on E-KYC / video KYC & moto moratorium 11% geo-tag based residence verification • Customers in moratorium reduced
Slide 61: Launched 'My Card 2.0' Mobile App
Launched ‘My Card 2.0’ Mobile App Account Management Offers and Rewards • Spend Analyzer • View Digital Card • Real time offers • No Cost EMI offer • View milestones • Change PIN • Segmented offers • Online offers • Create profile • View Subscriptions • Geo Location • POS offers • View Savings and •
Slide 62: Capabilities
Capabilities Instant Digital Card Card & Credit Limit Control Instant Cash Loan 46
Slide 63: Capabilities
Capabilities Real Time Spend Analyzer Near-by Offers & Rewards Savings & Benefits 47
Slide 64: Annexures
Annexures
Slide 65: Response to the COVID Pandemic
Response to the COVID Pandemic NES Pune & SHG West Bengal Govt: 60k masks made for BCs & employees by women entrepreneurs from Natarajan Education Society (NES), trained virtually – supported by RBL Bank as well as 10k masks produced by SHG West Bengal Govt Launched Virtual Volunteering programm
Slide 66: 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 of America for Indian Sub-continent Previously, Chairman of Central Board of Direct Taxes (CBDT) Mr. Sivanandhan D
Slide 67: 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 68: Professional and Experienced Leadership Team (Contd.)
Professional and Experienced Leadership Team (Contd.) Mr. Deepak Kumar Mr. Pankaj Sharma Chief Risk Officer Chief Operations Officer Previously, associated with State Bank of India and member of RBI Previously, Head Retail Operations, Axis Bank committees (20) (37) Mr. Bhavtaran Singh (Sunny) Uberai
Slide 69: Profit & Loss Statement
Profit & Loss Statement Particulars Q1 FY21 Q1 FY20 Q4 FY20 FY20 Income Interest Earned 2,235 2,023 2,208 8,514 Interest Expended 1,194 1,205 1,187 4,885 Net Interest Income 1,041 817 1,021 3,630 Other Income 334 481 501 1,910 Total Income 1,375 1,299 1,522 5,540 Expenditure Operating Expenses 685 6
Slide 70: Balance Sheet Statement
Balance Sheet Statement Particulars June 30, 2020 March 31, 2020 June 30, 2019 Liabilities Capital 509 509 428 Reserves and Surplus 10,216 10,074 7,409 Deposits 61,736 57,812 60,811 Borrowings 16,029 17,007 12,284 Other Liabilities 3,956 3,576 3,139 Total 92,445 88,978 84,072 Assets Cash & Balances
Slide 71: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q1 FY21 Q1 FY20 Q4 FY20 FY20 Income Interest Earned 2,322 2,083 2,281 8,779 Interest Expended 1,194 1,205 1,187 4,885 Net Interest Income 1,128 878 1,094 3,894 Other Income 333 484 502 1,918 Total Income 1,461 1,362 1,596 5,812 Expenditure Operating E
Slide 72: Consolidated Balance Sheet Statement
Consolidated Balance Sheet Statement Particulars June 30, 2020 March 31, 2020 June 30, 2019 Liabilities Capital 509 509 428 Reserves and Surplus 10,211 10,056 7,395 Deposits 61,711 57,812 60,807 Borrowings 16,029 17,007 12,285 Other Liabilities 3,962 3,600 3,166 Total 92,422 88,983 84,081 Assets Goo
Slide 73: Our Recent History
Our Recent History FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 Q1 Particulars FY21 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 10,290 10,334 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 61,736 Advances (Net) 1,905 4,132 6,376 9,835 14,
Slide 74: 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/ 58