| Key Financial Ratios of RBL Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
11.45 |
19.41 |
14.72 |
-1.25 |
9.35 |
|
| Diluted EPS (Rs.) |
11.45 |
19.04 |
14.66 |
-1.25 |
9.28 |
|
| Cash EPS (Rs.) |
15.04 |
22.85 |
18.00 |
1.49 |
11.14 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
256.73 |
244.52 |
226.43 |
210.47 |
211.73 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
256.74 |
244.53 |
226.44 |
210.47 |
211.74 |
|
| Dividend/Share (Rs.) |
1.00 |
1.50 |
1.50 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
230.95 |
204.83 |
152.27 |
136.37 |
137.36 |
|
| Net Profit/Share (Rs.) |
11.44 |
19.30 |
14.72 |
-1.25 |
8.49 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
11,197,216.46 |
9,935,311.74 |
8,485,775.26 |
9,079,164.80 |
10,509,904.04 |
|
| Net Profit/ Employee (Rs.) |
554,606.16 |
936,208.90 |
820,451.06 |
-82,993.11 |
649,672.34 |
|
| Business/ Employee (Rs.) |
162,355,876.06 |
150,284,978.84 |
144,154,539.46 |
154,390,161.91 |
168,556,527.89 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
249,805,516.01 |
227,418,374.31 |
176,592,758.22 |
162,864,300.80 |
188,840,022.99 |
|
| Net Profit/ Branches (Rs.) |
12,373,046.26 |
21,429,735.78 |
17,073,951.64 |
-1,488,751.00 |
11,673,193.10 |
|
| Business/ Branches (Rs.) |
3,622,096,039.15 |
3,440,009,377.98 |
2,999,920,096.71 |
2,769,488,860.56 |
3,028,592,694.25 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
2.58 |
2.28 |
1.97 |
2.67 |
3.18 |
|
| CASA (%) |
34.14 |
35.21 |
37.36 |
35.28 |
31.81 |
|
| Net Profit Margin (%) |
4.95 |
9.42 |
9.66 |
-0.91 |
6.18 |
|
| Operating Profit Margin (%) |
6.77 |
12.85 |
12.71 |
-1.17 |
8.68 |
|
| Return on Assets (%) |
0.47 |
0.84 |
0.76 |
-0.07 |
0.50 |
|
| Return on Equity / Networth (%) |
4.45 |
7.89 |
6.50 |
-0.59 |
4.01 |
|
| Net Interest Margin (X) |
4.40 |
4.36 |
3.84 |
3.79 |
3.76 |
|
| Cost to Income (%) |
64.68 |
66.64 |
68.26 |
56.88 |
47.12 |
|
| Interest Income/Total Assets (%) |
9.56 |
8.95 |
7.87 |
7.69 |
8.16 |
|
| Non-Interest Income/Total Assets (%) |
2.59 |
2.19 |
2.14 |
2.20 |
2.04 |
|
| Operating Profit/Total Assets (%) |
-2.12 |
-1.35 |
-1.38 |
-2.27 |
-1.54 |
|
| Operating Expenses/Total Assets (%) |
4.52 |
4.37 |
4.08 |
3.41 |
2.73 |
|
| Interest Expenses/Total Assets (%) |
5.16 |
4.58 |
4.03 |
3.90 |
4.39 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
124,280.54 |
120,126.24 |
100,436.65 |
84,788.17 |
90,051.38 |
|
| EV Per Net Sales (X) |
8.85 |
9.69 |
11.00 |
10.37 |
10.96 |
|
| Price To Book Value (X) |
0.68 |
0.98 |
0.62 |
0.62 |
0.98 |
|
| Price To Sales (X) |
0.75 |
1.17 |
0.93 |
0.95 |
1.51 |
|
| Retention Ratios (%) |
86.91 |
92.29 |
100.00 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.07 |
0.08 |
0.10 |
-0.01 |
0.04 |
|
Source : Dion Global Solutions Limited
