Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q1 FY22 Earnings Presentation
71 slides from Rbl Bank's earnings presentation, Aug 2, 2021
Slide 1: Investor Presentation Q1 FY22
Investor Presentation Q1 FY 22 Aug 2, 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 30 Shareholding Pattern and Ratings 32 Micro-Banking Update 34 Credit Card Update 40 Branch and Business Banking Update 50 Payments Business Update 56 Marketing & CSR Update 60 Annexures 62
Slide 5: Key Performance Highlights
Key Performance Highlights
Slide 6: Q1 FY22 Financial Highlights
Q1 FY22 Financial Highlights YoY Revenue growth of 21% aided by Other Income growth of 108% PPOP growth of 17% YoY to Rs. 807 crore Net Loss at Rs. 459 crore for Q1 FY22, due to additional prudential provisioning NIM at 4.4%, up 19 bps QoQ Retail advances grew 7% YoY; Retail : Wholesale mix at 57:43
Slide 7: Q1 FY22 Highlights Contd....
Q1 FY22 Highlights Contd…. Strong Revenue and Operating Handsome Deposit Growth Healthy Capitalisation and Profit Growth Continues.. Liquidity Levels ▪ Total Deposits grew 21% YoY and ▪ Total Revenue grew 21% YoY to 2% QoQ ▪ CRAR at 17.2% and CET 1 to 1664 crore ▪ CASA grew 35% YoY and 8% 16.1% ▪ Co
Slide 8: Q1 FY22 Highlights
Q1 FY22 Highlights YoY Growth Net interest Income Rs. 970cr (7%) Core Fee Income Rs. 562cr 135% Net Total Income Rs. 1,664cr 21% Operating Profit Rs. 807cr 17% Net Profit / (Loss) Rs. (459)cr - 8
Slide 9: Q1 FY22 Highlights Contd....
Q1 FY22 Highlights Contd…. YoY Growth QoQ Growth Advances Rs. 56,527cr 0% (4%) Wholesale Rs. 24,456cr (9%) 1% Advances Retail Rs. 32,071cr 7% (7%) Advances Deposits Rs. 74,471cr 21% 2% CASA Rs. 25,071cr 35% 8% 9
Slide 10: Key Indicators – Business Breakup
Key Indicators – Business Breakup Advances by Segment (%) Deposit Breakup (%) 12.7% 43.3% 56.7% 20.9% Wholesale Retail 66.3% Retail Advances Breakup (%) 3.6% 4.2% 4.8% 31.5% 18.3% Term Deposits Saving Deposits Current Deposits 37.5% Business Loans Credit Cards Microbanking Housing Loans Agri Others
Slide 11: Financial Performance
Financial Performance
Slide 12: Strong PPOP Momentum Despite COVID Second Wave Impact
Strong PPOP Momentum Despite COVID Second Wave Impact Parameter Q1 FY22 Q4 FY21 QoQ Q1 FY21 YoY FY21 Net Interest Income 970 906 7% 1,041 (7%) 3,788 Other Income 695 688 1% 333 108% 2,058 Net Total Income 1,664 1,594 4% 1,375 21% 5,845 Operating Profit 807 877 (8%) 690 17% 3,091 Net Profit / (Loss)
Slide 13: Balance Sheet Parameters
Balance Sheet Parameters Parameter June 30,2021 June 30,2020 YoY Advances 56,527 56,683 0% Deposits 74,471 61,736 21% Investments 25,314 19,884 27% Parameter June 30,2021 March 31,2021 June 30,2020 CASA 33.7% 31.8% 30.1% GNPA 4.99% 4.34% 3.45% NNPA 2.01% 2.12% 1.65% PCR (incl. Technical Write-offs)
Slide 14: Other Income and Core Fee Income above Pre-COVID Levels
Other Income and Core Fee Income above Pre-COVID Levels Other Income Core Fee Income Breakup 660 562 688 695 4% 21% 19% 15% 333 55% 96% 81% 50% 238 29% 85% 9% 3% 53% 2% 71% 10% 11% 3% 15% 7% 7% 7% 14% 8% 9% Q1 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q4 FY21 Q1 FY22 FX Proc Fee Gen. Banking Distribution Credit
Slide 15: Operating Costs Increase driven by Infrastructure Costs
Operating Costs Increase driven by Infrastructure Costs Operating Expenses 857 685 718 60% 57% 53% 4% 6% 6% 11% 9% 9% 31% 29% 27% Q1 FY21 Q4 FY21 Q1 FY22 15
Slide 16: Credit Costs including Additional & COVID Provisioning
Credit Costs including Additional & COVID Provisioning Net Credit Cost by Business (bps) 91* 113* 255* 258** 128 52 40 (14) (3) Q1 FY21 Q4 FY21 Q1 FY22 • Not Annualized for the bank or at individual segment level for the quarter 16 ** Includes Rs. 365 crore of additional provision and Rs. 239 crore
Slide 17: Advances Mix; Growth Impacted by COVID this Quarter
Advances Mix; Growth Impacted by COVID this Quarter Yield June 30,2021 June 30,2020 YoY Proportion FY 21 C&IB 18,464 19,906 (7%) 6.7% CB 5,992 6,837 (12%) (8.5%) 43% Wholesale 24,456 26,742 (9%) Business Loans 10,103 10,503 (4%) Credit Cards 12,039 10,289 17% Micro-banking 5,881 6,117 (4%) 14.7% Hou
Slide 18: Borrowers' External Rating Profile – Consistently Moving Up the Risk Curve
Borrowers’ External Rating Profile* – Consistently Moving Up the Risk Curve June 30, 2020 Mar 31, 2021 June 30, 2021 53,354 51,991 51,313 4,934 9.2% 9,386 18.1% 8,925 17.4% 16,546 31.0% A- or A- or 30.1% A- or 15,766 30.3% 15,449 better better better 71.4% 77.6% 77.6% 16,624 31.2% 15,176 29.2% 15,43
Slide 19: Additional Colour on BBB and BB Rated Exposure
Additional Colour on BBB and BB Rated Exposure BBB Rated Exposure • Fully Secured, granular portfolio both in terms of size and sectoral exposure • Highest sectoral exposure of 1.4% • 264 customers with average exposure of Rs. 32 crore • Highest single exposure is Rs. 260 crore, fully secured BB and
Slide 20: Diversified Industry Mix – Low Industry Concentration
Diversified Industry Mix – Low Industry Concentration Top 10 Industry* Outstanding % of Outstanding FB+NFB Industry FB-NFB Split FB+NFB Exposure Exposure NBFC (ex. HFC & DFI) 3,283 99:1 4.5% Construction 2,853 28:72 3.9% Power 2,420 54:46 3.3% HFC 2,416 100:0 3.3% Retail/ Distribution 2,120 67:33 2.
Slide 21: Asset Quality – Continue to Strengthen PCR
Asset Quality – Continue to Strengthen PCR Quarter Ended June 30, March 31, Dec 31, 2020 Sep 30, 2020 June 30, March 31,2020 2021 2021 (Proforma) (Proforma) 2020 Movement of Gross NPAs Opening Balance 2,602 2,610 2,001 1,992 2,137 2,010 (+) Additions during the period 1,342 1,439 1,470 234 5 709 (-)
Slide 22: Loan Related Provisions held as on 30th June 2021
Loan Related Provisions held as on 30th June 2021 • Specific provision of Rs. 1,409 crore (towards PCR) • Additional/ accelerated specific provision of Rs. 365 crore (towards PCR) • Restructured provision of Rs. 137 crore (outside PCR) • Additional Covid Provision of Rs. 239 crore (outside PCR) • St
Slide 23: Asset Quality – Net NPA stable despite Covid challenges
Asset Quality – Net NPA stable despite Covid challenges Gross NPA by business segment Business segment June 30, Mar 31, Dec 31, Sep 30, June 30, Mar 31,2020 2021 2021 2020 2020 2020 (Proforma) (Proforma) Wholesale 1.84% 1.85% 1.75% 2.62% 2.67% 2.64% Retail 3.15% 2.49% 2.82% 0.87% 0.78% 0.98% Busines
Slide 24: Capital Adequacy - Well Capitalized
Capital Adequacy - Well Capitalized Particulars June 30, 2021 June 30, 2020 March 31, 2021 Tier 1 Capital Funds* 11,850 10,407 12,301 Tier 2 Capital Funds 780 820 637 Total Capital Funds* 12,630 11,228 12,938 Total RWA 73,635 68,671 73,948 Tier 1 CRAR* 16.1% 15.2% 16.6% Total CRAR* 17.2% 16.4% 17.5%
Slide 25: CASA Continues Strong Growth; Total Deposits Grew 2% Sequentially
CASA Continues Strong Growth; Total Deposits Grew 2% Sequentially 35% YoY growth in CASA, 8% QoQ ; Total deposits grew by 21% YoY, 2% QoQ CASA : 30.1% CASA : 31.8% CASA : 33.7% CASA : 18,566 CASA : 23,264 CASA : 25,071 73,121 74,471 61,736 13.3% 12.7% 10.8% 18.5% 20.9% 19.3% 68.2% 69.9% 66.3% June 3
Slide 26: Deposits and Liquidity – Improving Granularity Driving Lower Costs
Deposits and Liquidity – Improving Granularity Driving Lower Costs Declining Cost of Deposits and Cost of Funds Surplus Liquidity Position 6.71% 6.40% 6.27% 158% 155% 164% 171% 164% 154% 5.98% 5.71% 5.45% 134% 5.20% 6.76% 6.54% 6.27% 6.02% 5.76% 5.54% 5.27% 100% 100% 80% 80% 90% 90% 100% Dec 31, Mar
Slide 27: Consistently Reducing Borrowings
Consistently Reducing Borrowings Borrowing Breakup 16,029 11,226 10,046 5% 9% 37% 7% 7% 34% 36% 50% 59% 57% June 30, 2020 March 31,2021 June 30, 2021 Refinance FCY CBLO/ LTRO LAF Tier II 27
Slide 28: Investment Book Increase Driven By Surplus Liquidity
Investment Book Increase Driven By Surplus Liquidity Investment Breakup 19,884 23,230 25,314 1% 2% 10% 3% 10% 2% 6% 4% 9% 87% 82% 85% June 30, 2020 March 31, 2021 June 30, 2021 G-Sec Debentures & Bonds Money Market /Equities/MF Others Yield Yield Q1 FY22 Q4 FY21 Q1 FY21 FY21 Total Investments 5.4% 6
Slide 29: 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 Yield on Advances 11.2% 12.0% 12.1% 12.3% 12.5% 13.0% 12.3% 11.5% 11.2% 11.6% Cost of Funds 6.8% 7.0% 6.9% 6.8% 6.5% 6.3% 6.0% 5.8% 5.5% 5.3% Cost of Deposits 6.8% 7.0% 6.9% 6.7% 6.4% 6.3% 6
Slide 30: Distribution Network
Distribution Network
Slide 31: Our Growing, Multi-Layered Distribution Network
Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 3 8.49 8.44 8.76 9.08 9.63 9.83 7.82 GIFT 45 2 city 10 New Delhi Dec 31, March June 30, Sep 30, Dec 31, March June 30, branch 2019 31, 2020 2020 2020 2020 31, 2021 2021 13 15 Channel Breakup 12 5 Channels Number of
Slide 32: Shareholding Pattern & Ratings
Shareholding Pattern & Ratings
Slide 33: Diversified Shareholding & Strong Rating Profile
Diversified Shareholding & Strong Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.4 0.3 6.1 Basel III compliant Tier II ICRA AA- hyb (Stable) bonds (Re-affirmed dated Feb 22, 2021) 25.7 CARE AA- (Stable) 32.2 (Re-affirmed dated Oct 8, 2020) 13.1 Certificate of Deposits ICRA A
Slide 34: Micro-Banking Update
Micro-Banking Update
Slide 35: Micro-Banking Distribution Network
Micro-Banking Distribution Network BC Branches Opened in Q1 FY22 : 13 (1) (50) 6 (42) (82) 93 State & District Presence: (54) (32) (118) (2) • 21 States and 1 Union Territory 57 51 99 16 (47) (47) (22) (79) • 414 Districts 26 123 82 Branches : (10) (23) Micro-Banking Presence • Micro-Banking Branche
Slide 36: Micro-Banking - Portfolio Concentration reducing in top 3 / 5 states
Micro-Banking - Portfolio Concentration reducing in top 3 / 5 states State Name % of Portfolio % of % of % of RBL Portfolio- Top-3 and Top-5 States Mar’20 Portfolio Portfolio Portfolio June’20 Mar’21 June’21 57% 57% 55% Bihar 14.7% 14.6% 12.8% 13.3% 40% 39% 38% Tamil Nadu 13.4% 13.7% 13.0% 12.9% Raj
Slide 37: Portfolio growth driven by new customers, ticket size growth moderate
Portfolio growth driven by new customers, ticket size growth moderate 3.22 Mn active loan accounts In Rs. crores Portfolio Composition 23% 4% 34% 6,152 6,425 66% 4,984 Old Book-Pre-Covid New Book-Post-Covid June 30,2019 June 30,2020 June 30,2021 Average Outstanding Balance Average Ticket Size (ATS)
Slide 38: Collections Efficiency
Collections Efficiency Collections Efficiency 97.63% 97.92% 96.90% 92.70% 88.92% 88.36% 79.23% 82.25% 61.87% Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Apr-21 May-21 Jun-21 Jul-21 **July-Month-Collections is till 30th July2021 Collections Efficiency 91.29% 89.36% 87.23% 85.92% 83.36% 80.90% 81.11% 77.63% Ap
Slide 39: 90+DPD
90+DPD 90 – 179 dpd 5.86% 5.19% 5.11% 5.80% 4.95% 4.76% 4.98% 4.12% 3.95% 2.28% 2.28% 1.75% 0.77% 0.81% 0.63% 0.41% 0.93% 0.37% 0.31% 0.47% 0.34% 0.67% 0.33% 0.43% 0.32% 0.22% 0.17% 0.28% 0.39% 0.75% 0.11% 0.32% 0.22% 0.19% 0.22% Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20
Slide 40: Credit Card Update
Credit Card Update
Slide 41: Growth & Market Share
Growth & Market Share May’20 May’21 RBL Industry RBL Industry 3.0 M 62.4 M CIF 2.6 M 57.2 M 15% 9% 2,654 Cr 55,033 Cr Spends 1,556 Cr 32,412 Cr 72% 70% 12,161 Cr 1,04,475 Cr Advances 9,902 Cr 92,887 Cr 23% 12% Market Share – Cards (#) Market Share - Spends Market Share - Advances 4.8% 4.8% 5.0% 4.8%
Slide 42: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Cards in Force (Million) Acquisition (Million) 3.01 3.03 3.08 0.38 2.96 2.82 0.36 2.71 2.61 0.29 0.20 0.12 0.10 0.07 0.04 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Apr'21 May'21 Jun'21 Q1'21 Q2'21 Q3'21 Q4'21 Apr'21 May'21 Jun'21 Advances Breakup (Cr.) Total Spends (Cr.) 10,312 1
Slide 43: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Consumer Loans ('000) Retail Spend 1,042 960 22,684 876 21,173 20,417 21,232 20,003 20,006 696 15,110 539 10,403 11,455 9,094 9,523 8,711 9,620 346 346 350 5,905 Q1'21 Q2'21 Q3'21 Q4'21 Apr'21 May'21 Jun'21 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Apr'21 May'21 Jun'21 Retail Spe
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% 30% 29% 29% 29% 29% 80% 80% 12% 12% 12% 12% 12% 70% 60% 60% 50% 40% 40% 70% 71% 71% 71% 71% 71% 70% 69% 68% 67% 30% 20% 20% 10% 0% 0% Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Jun'20 S
Slide 45: Spend Recovery
Spend Recovery Spend Impact and Recovery Spends by category Spend per Spends Card Spend Mar’21 Jun’21 Indexed July’21 Type# (Jun’21 vs 100% 103% 90% Mar’21) 88% 80% Daily 76% 80% 0.93 79% Ecom 53% 57% 1.01 58% POS 47% 43% 0.85 42% Mar'21 Apr'21 May'21 Jun'21 Jul'21 Discretion 20% 16% 0.74 18% ary -
Slide 46: Credit Cards tighter control on new bookings resulting in lower delinquencies than industry
Credit Cards – tighter control on new bookings resulting in lower delinquencies than industry. 6MOB$30+ Comparison with Industry 6 MOB30+ spike as these cards 7.0% immediately went into lockdown 6.0% without moratorium eligibility. 5.0% 4.0% 3.0% 2.0% 1.0% No dpd movement due to moratorium 0.0% Jan'
Slide 47: Collection Efficiency
Collection Efficiency Resolution Rate Bucket-0 (1-10dpd) Resolution Rate Bucket-1 (11 – 29 dpd) 100.0% 100.1%100.6% 99.7% 100.3%101.0% 100.0% 95.7% 99.7% 94.9% 98.0% 100.6% 97.9% 97.5% 93.7% 72.9% 64.2% 54.6% 46.4% 84.5% Resolution Rate Bucket-2 (30 – 59 dpd) Resolution Rate Bucket-3 (60 – 89 dpd) 1
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% 2.50 Pre-Covid 60% 1.92 2.00 1.66 50% 1.50 1.51 1.50 1.50 1.32 1.37 40% 0.92 1.26 0.90 30% 1.00 20% 0.50 10% 0.00 0% Apr'19
Slide 49: 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 120,000 Pre-Covid 99,475 96,289 110,000 100,000 61,411 46,689 45,042 90,000 37,854 80,000 70,000 Jul-Sep'20 Oct-Dec'20 Jan-Mar'21 Apr-Jun'21 Risk
Slide 50: Branch and Business Banking Update
Branch and Business Banking Update
Slide 51: Granularity in Retail Deposits
Granularity in Retail Deposits Contribution of >1 Contribution of year tenure TD in 91% <5Cr TD value in in 84% Q1 FY22 Q1 FY22 73% YoY SA growth YoY CASA growth 77% 51
Slide 52: Growth in Digital
Growth in Digital YoY Growth YoY Growth transaction (value) transaction (volume) through Digital through Digital 133% channels channels 232% Mobile Banking Bill pay, Term deposits, Internet Banking Sovereign Gold Bonds QoQ Volume growth in YoY Growth in Ecom & 16% Commercial Banking 58% POS transact
Slide 53: # Customers acquired
Project Abacus 1.0 30 years Contributes 89% product 76% Average Age to >50% are digital holding from 7 major of our digital SA Sourced active 3+ States customer monthly SA Acquisition Average ticket size # Customers acquired Product Holding 3 2.5 2 1.5 2017 2018 2019 2020 2021 2016 2017 2018 2019 20
Slide 54: Project Abacus 2.0 framework
Project Abacus 2.0 framework SUPPLY DEMAND Bank customers through Bank’s proprietary products proprietary channels Bank Platform A platform-based marketplace, where Partner customers through Partner’s products Data several financial/non-financial services Data providers continually compete to offer
Slide 55: Project Abacus 2.0 journey
Project Abacus 2.0 journey Branch Banking & Credit Card Products agnostic Current 4mio 12-14mio 3 – 4 years customers customers 55
Slide 56: Payments Business Update
Payments Business Update
Slide 57: 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 58: 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 Apr’ 21 to Jun’ 21 55.40 L 6.57 CR Total Number of Total Transaction Customers Volume 58
Slide 59: 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 ~35% Q-o- QOQ Onboarding Process disbursement
Slide 60: Marketing Update
Marketing Update
Slide 61: Key Highlight for Q1 FY22
Key Highlight for Q1 FY22 ❖ Awarded EXCELLENCE IN DIGITAL EXECUTION - Process Innovation by MINT | TechCircle Business Transformation Awards 2021 61
Slide 62: Annexures
Annexures
Slide 63: 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 64: 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 65: 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 66: Profit & Loss Statement
Profit & Loss Statement Particulars Q1 FY22 Q1 FY21 Q4 FY21 FY21 Income Interest Earned 2,026 2,259 1,965 8,329 Interest Expended 1,056 1,218 1,059 4,541 Net Interest Income 970 1,041 906 3,788 Other Income 695 333 688 2,058 Total Income 1,664 1,375 1,594 5,845 Expenditure Operating Expenses 857 685
Slide 67: Balance Sheet Statement
Balance Sheet Statement Particulars June 30, 2021 March 31, 2021 June 30, 2020 Liabilities Capital 598 598 509 Reserves and Surplus 11,610 12,065 10,216 Deposits 74,471 73,121 61,736 Borrowings 10,046 11,226 16,029 Other Liabilities 3,616 3,641 3,956 Total 100,342 100,651 92,445 Assets Cash & Balanc
Slide 68: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q1 FY22 Q1 FY21 Q4 FY21 FY21 Income Interest Earned 2,103 2,346 2,058 8,676 Interest Expended 1,056 1,218 1,059 4,539 Net Interest Income 1,048 1,128 999 4,136 Other Income 701 333 690 2,048 Total Income 1,749 1,461 1,689 6,185 Expenditure Operating E
Slide 69: Consolidated Balance Sheet Statement
Consolidated Balance Sheet Statement Particulars June 30, 2021 March 31, 2021 June 30, 2020 Liabilities Capital 598 598 509 Reserves and Surplus 11,611 12,068 10,211 Deposits 74,422 73,055 61,711 Borrowings 10,046 11,226 16,029 Other Liabilities 3,642 3,672 3,962 Total 100,320 100,619 92,422 Assets
Slide 70: 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 Q1 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 11,598 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 73,121 74,471 Advances (Net) 1,905 4,
Slide 71: 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/ 71