RBL Bank Limited (NSE: RBLBANK)

RBL Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	132,734	123,938	96,766	84,449	86,759	87,787
Interest Income on Investments	2,852	-	-	-	-	-
Total Interest Income	135,586	123,938	96,766	84,449	86,759	87,787
Interest Paid on Deposits	70,963	63,500	46,786	41,482	45,395	48,847
Total Interest Expense	70,963	63,500	46,786	41,482	45,395	48,847
Net Interest Income	64,623	60,437	49,980	42,966	41,364	38,939
Net Interest Income Growth (YoY)	19.57%	20.92%	16.32%	3.87%	6.23%	53.22%
Gain (Loss) on Sale of Assets	4.8	4.8	-3.79	-3.01	-17.65	0.14
Gain (Loss) on Sale of Investments	1,774	1,588	1,293	2,492	2,721	1,595
Other Non-Interest Income	31,784	29,007	23,780	21,026	16,043	17,585
Total Non-Interest Income	33,563	30,600	25,069	23,515	18,747	19,180
Non-Interest Income Growth (YoY)	23.63%	22.06%	6.61%	25.44%	-2.26%	33.11%
Revenues Before Loan Losses	98,186	91,037	75,049	66,481	60,111	58,120
Provision for Loan Losses	18,566	17,785	10,219	28,604	22,279	19,615
Revenue	79,621	73,252	64,830	37,877	37,831	38,504
Revenue Growth (YoY)	19.10%	12.99%	71.16%	0.12%	-1.75%	15.22%
Salaries and Employee Benefits	19,974	18,559	16,535	13,224	11,220	9,672
Occupancy Expenses	7,037	7,037	7,109	6,359	5,500	3,706
Selling, General & Administrative	1,851	1,807	1,763	1,211	889.05	985.5
Other Non-Interest Expense	34,302	31,758	26,543	19,049	13,100	16,664
Total Non-Interest Expense	63,767	59,765	52,618	39,942	30,711	31,031
EBT Excluding Unusual Items	15,854	13,487	12,211	-2,065	7,120	7,474
Pretax Income	15,854	13,487	12,211	-2,065	7,120	7,474
Income Tax Expense	3,933	888.2	3,016	-403.6	1,826	2,472
Earnings From Continuing Operations	11,921	12,599	9,195	-1,661	5,295	5,002
Net Income	11,921	12,599	9,195	-1,661	5,295	5,002
Net Income to Common	11,921	12,599	9,195	-1,661	5,295	5,002
Net Income Growth	1.54%	37.01%	-	-	5.85%	-41.69%
Basic Shares Outstanding	605	602	600	599	543	453
Diluted Shares Outstanding	617	613	602	600	547	455
Shares Change (YoY)	1.99%	1.90%	0.37%	9.64%	20.13%	5.25%
EPS (Basic)	19.71	20.94	15.34	-2.77	9.75	11.04
EPS (Diluted)	19.31	20.54	15.27	-2.77	9.68	10.98
EPS Growth	-0.40%	34.51%	-	-	-11.84%	-44.63%
Dividend Per Share	-	1.500	1.500	-	-	1.500
Dividend Growth	-	0%	-	-	-	-44.44%
Effective Tax Rate	24.81%	6.59%	24.70%	-	25.64%	33.07%

Source: S&P Capital IQ. Banks template. Financial Sources.