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Stock Report
RBL Bank Ltd posts Rs. 154.42 crore consolidated PAT in Q1FY21
Posted On : 2020-07-28 17:47:51( TIMEZONE : IST )
RBL Bank Ltd has reported financial results for the period ended June 30, 2020.
Financial Results (Q1 FY 2020-21) - QoQ Comparison
The company has reported total income of Rs.2654.88 crores during the period ended June 30, 2020 as compared to Rs.2782.77 crores during the period ended March 31, 2020.
The company has posted net profit / (loss) of Rs.154.42 crores for the period ended June 30, 2020 as against net profit / (loss) of Rs.114.85 crores for the period ended March 31, 2020.
The company has reported EPS of Rs.3.03 for the period ended June 30, 2020 as compared to Rs.2.25 for the period ended March 31, 2020.
| Financials | Q1 FY2020-21 | Q4 FY19-20 | % Change |
| Total Income | ₹ 2654.88 crs | ₹ 2782.77 crs |  -4.6% |
| Net Profit | ₹ 154.42 crs | ₹ 114.85 crs |  34.45% |
| EPS | ₹ 3.03 | ₹ 2.25 | 34.67% |
Financial Results (Q1 FY 2020-21) - YoY Comparison
The company has reported total income of Rs.2654.88 crores during the period ended June 30, 2020 as compared to Rs.2566.86 crores during the period ended June 30, 2019.
The company has posted net profit / (loss) of Rs.154.42 crores for the period ended June 30, 2020 as against net profit / (loss) of Rs.265.42 crores for the period ended June 30, 2019.
The company has reported EPS of Rs.3.03 for the period ended June 30, 2020 as compared to Rs.6.07 for the period ended June 30, 2019.
| Financials | Q1 FY2020-21 | Q1 FY2019-20 | % Change |
| Total Income | ₹ 2654.88 crs | ₹ 2566.86 crs | 3.43% |
| Net Profit | ₹ 154.42 crs | ₹ 265.42 crs | -41.82% |
| EPS | ₹ 3.03 | ₹ 6.07 | -50.08% |
CASA Continues Strong Growth; Total Deposits Traction regains momentum:
- Total deposits grew 7% QOQ to Rs. 61,736 crores
- CASA grew 18% YOY and 8% QOQ to Rs. 18,566 crores. CASA ratio was 30.1%. Average CASA ratio for Q1FY21 was 29.3%
- The share of Retail Term Deposits and CASA in the Total Deposits was 60% at end of Q1FY21
Advances Growth:
- Advances book at Rs. 56,683 Crores. Non -Wholesale advances growth of 24% YOY while Wholesale advances reduced 18% YOY, in line with planned portfolio recalibration
- Non-Wholesale advances accounted for 53% of net advances of the bank
Well capitalized with sound liquidity:
- Overall capital adequacy at 16.35% with Common Equity Tier 1 ratio of 15.16% at the end of Q1FY21
- Average Liquidity Coverage Ratio at 164% for Q1FY21, surplus liquidity currently at Rs. 13,600 crore
Asset quality:
- Gross NPA ratio at 3.45% (3.62% in Q4FY20), Net NPA at 1.65% (2.05% in Q4FY20), Provision Coverage Ratio at 70.46% (64.04% in Q4FY20)
- COVID related provisions of Rs. 240 crore in Q1FY21; total cumulative provisions of Rs. 350 crore in Q4FY20 and Q1FY21
Shares of RBL Bank Ltd was last trading in BSE at Rs.178.8 as compared to the previous close of Rs. 182.95. The total number of shares traded during the day was 1289638 in over 13471 trades.
The stock hit an intraday high of Rs. 184.45 and intraday low of 177. The net turnover during the day was Rs. 231661981.
