RBL BANK Financial Statements

RBL BANK (RBLBANK) reported revenue of ₹178.19B in FY2025 with net income of ₹7.17B. Total assets stood at ₹1,467.72B and free cash flow was -₹11.12B.

RBL BANK Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		85.61B	84.45B	95.50B	123.94B	140.41B
Other Income		20.48B	23.52B	25.07B	30.60B	37.78B
Total Income		106.10B	107.96B	120.56B	154.54B	178.19B
Interest Exp. Interest Expenditure		44.25B	41.48B	46.79B	63.50B	75.76B
Op. Expense Operating Expense		30.71B	39.94B	51.35B	59.77B	65.89B
Provisions Provisions & Contingencies		25.84B	28.20B	13.24B	18.67B	29.37B
Net Income		5.29B	-1.66B	9.20B	12.60B	7.17B
Dil. Shares Diluted Shares		547.06M	599.79M	602.00M	613.44M	609.74M
Diluted EPS		9.68	-2.77	15.27	20.54	11.76

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows RBL BANK's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

RBL BANK Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		67.05B	131.11B	62.38B	120.71B	109.65B
Loans & adv. Loans & advances		586.23B	600.05B	701.86B	839.87B	926.18B
Investments		230.85B	221.29B	287.30B	294.78B	321.03B
Total assets		1,006.19B	1,061.63B	1,158.06B	1,384.54B	1,467.72B
Borrowings		112.26B	110.98B	133.32B	141.85B	137.35B
Deposits		730.55B	790.06B	848.75B	1,034.70B	1,109.33B
Total liabilities		879.53B	936.32B	1,022.80B	1,236.16B	1,311.03B
Total equity		126.66B	125.30B	135.26B	148.37B	156.70B
Total liab. & eq. Total liabilities & equity		1,006.19B	1,061.63B	1,158.06B	1,384.54B	1,467.72B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures RBL BANK's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

RBL BANK Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		7.12B	-2.07B	12.21B	13.49B	6.96B
Operating CF Cash flow Operating Activities		76.31B	64.49B	-110.31B	49.55B	-8.24B
Capex Investments in PPE		-1.79B	-2.71B	-2.44B	-2.04B	-2.88B
Investing CF Cash flow Investing Activities		-1.74B	-2.64B	-2.34B	-1.93B	-2.81B
Dividend Paid		0	0	0	-900.35M	-909.63M
Financing CF Cash flow Financing Activities		-42.07B	-1.09B	22.35B	8.43B	-5.03B
Cash (start) Cash at beginning of period		82.26B	114.77B	175.52B	85.22B	141.26B
Cash (end) Cash at end of period		114.77B	175.52B	85.22B	141.26B	125.19B
FCF Free Cash Flow		74.52B	61.78B	-112.76B	47.51B	-11.12B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how RBL BANK's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025