RBL Bank Limited (RBLBANK) - Net Assets

Latest as of September 2025: Rs161.20 Billion INR ≈ $1.74 Billion USD

Based on the latest financial reports, RBL Bank Limited (RBLBANK) has net assets worth Rs161.20 Billion INR (≈ $1.74 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.54 Trillion ≈ $16.66 Billion USD) and total liabilities (Rs1.38 Trillion ≈ $14.92 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are RBL Bank Limited's assets to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs161.20 Billion
% of Total Assets	10.47%
Annual Growth Rate	28.77%
5-Year Change	23.71%
10-Year Change	424.37%
Growth Volatility	180.89

RBL Bank Limited - Net Assets Trend (2010–2025)

This chart illustrates how RBL Bank Limited's net assets have evolved over time, based on quarterly financial data. Also explore RBL Bank Limited balance sheet assets for the complete picture of this company's asset base.

Annual Net Assets for RBL Bank Limited (2010–2025)

The table below shows the annual net assets of RBL Bank Limited from 2010 to 2025. For live valuation and market cap data, see market value of RBL Bank Limited.

Year	Net Assets	Change
2025-03-31	Rs156.70 Billion ≈ $1.69 Billion	+5.61%
2024-03-31	Rs148.37 Billion ≈ $1.60 Billion	-85.52%
2023-03-31	Rs1.02 Trillion ≈ $11.08 Billion	+717.80%
2022-03-31	Rs125.30 Billion ≈ $1.36 Billion	-1.07%
2021-03-31	Rs126.66 Billion ≈ $1.37 Billion	+19.89%
2020-03-31	Rs105.65 Billion ≈ $1.14 Billion	+40.22%
2019-03-31	Rs75.35 Billion ≈ $814.86 Million	+12.47%
2018-03-31	Rs66.99 Billion ≈ $724.51 Million	+54.49%
2017-03-31	Rs43.36 Billion ≈ $468.96 Million	+45.11%
2016-03-31	Rs29.88 Billion ≈ $323.17 Million	+34.04%
2015-03-31	Rs22.29 Billion ≈ $241.10 Million	+18.32%
2014-03-31	Rs18.84 Billion ≈ $203.77 Million	+17.35%
2013-03-31	Rs16.06 Billion ≈ $173.65 Million	+40.45%
2012-03-31	Rs11.43 Billion ≈ $123.63 Million	+5.37%
2011-03-31	Rs10.85 Billion ≈ $117.34 Million	+207.38%
2010-03-31	Rs3.53 Billion ≈ $38.17 Million	--

Equity Component Analysis

This analysis shows how different components contribute to RBL Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 116934.7% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (March 2025)

Component	Amount	Percentage
Retained Earnings	Rs2.58 Billion	1.65%
Common Stock	Rs6.08 Billion	3.88%
Other Comprehensive Income	Rs1.70 Billion	1.08%
Other Components	Rs146.34 Billion	93.39%
Total Equity	Rs156.70 Billion	100.00%

RBL Bank Limited Competitors by Market Cap

The table below lists competitors of RBL Bank Limited ranked by their market capitalization.

Company	Market Cap
CREDITACCESS GRAMEEN LIMITED NSE:CREDITACC	$2.25 Billion
Arena Star Group Ltd TA:ARNA	$2.25 Billion
5N Plus Inc. TO:VNP	$2.25 Billion
Sarda Energy & Minerals Limited NSE:SARDAEN	$2.25 Billion
BB Biotech AG SW:BION	$2.25 Billion
ePlus inc NASDAQ:PLUS	$2.25 Billion
Wuhan PS Information Tech SHE:300184	$2.25 Billion
BW LPG Limited F:BW9	$2.25 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in RBL Bank Limited's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 148,374,374,000 to 156,695,300,000, a change of 8,320,926,000 (5.6%).
Net income of 7,170,670,000 contributed positively to equity growth.
Dividend payments of 909,600,000 reduced retained earnings.
Share repurchases of 381,600,000 reduced equity.
New share issuances of 381,600,000 increased equity.
Other comprehensive income decreased equity by 48,694,714,000.
Other factors increased equity by 50,754,570,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	Rs7.17 Billion	+4.58%
Dividends Paid	Rs909.60 Million	-0.58%
Share Repurchases	Rs381.60 Million	-0.24%
Share Issuances	Rs381.60 Million	+0.24%
Other Comprehensive Income	Rs-48.69 Billion	-31.08%
Other Changes	Rs50.75 Billion	+32.39%
Total Change	Rs-	5.61%

Book Value vs Market Value Analysis

This analysis compares RBL Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.31x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 9.98x to 1.31x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2010-03-31	Rs33.71	Rs336.55	x
2011-03-31	Rs83.58	Rs336.55	x
2012-03-31	Rs53.18	Rs336.55	x
2013-03-31	Rs53.25	Rs336.55	x
2014-03-31	Rs69.26	Rs336.55	x
2015-03-31	Rs75.97	Rs336.55	x
2016-03-31	Rs92.02	Rs336.55	x
2017-03-31	Rs114.73	Rs336.55	x
2018-03-31	Rs159.63	Rs336.55	x
2019-03-31	Rs174.14	Rs336.55	x
2020-03-31	Rs231.99	Rs336.55	x
2021-03-31	Rs231.53	Rs336.55	x
2022-03-31	Rs209.21	Rs336.55	x
2023-03-31	Rs224.68	Rs336.55	x
2024-03-31	Rs241.87	Rs336.55	x
2025-03-31	Rs256.98	Rs336.55	x

Capital Efficiency Dashboard

This dashboard shows how efficiently RBL Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 4.58%
The company may be facing challenges in efficiently utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 3.99%
• Asset Turnover: 0.12x
• Equity Multiplier: 9.37x
Recent ROE (4.58%) is below the historical average (6.29%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2010	5.41%	12.14%	0.08x	5.91x	Rs-161.90 Million
2011	1.14%	5.93%	0.06x	2.98x	Rs-961.72 Million
2012	5.69%	12.28%	0.07x	6.30x	Rs-492.21 Million
2013	5.78%	9.25%	0.08x	8.07x	Rs-677.12 Million
2014	4.92%	5.75%	0.09x	9.66x	Rs-957.50 Million
2015	9.29%	8.81%	0.09x	12.16x	Rs-157.65 Million
2016	9.79%	9.04%	0.08x	13.10x	Rs-63.39 Million
2017	10.30%	10.08%	0.09x	11.23x	Rs131.76 Million
2018	9.46%	11.30%	0.09x	9.26x	Rs-363.83 Million
2019	11.39%	11.16%	0.10x	10.67x	Rs1.04 Billion
2020	4.73%	4.67%	0.12x	8.42x	Rs-5.56 Billion
2021	4.18%	5.02%	0.10x	7.94x	Rs-7.37 Billion
2022	-1.33%	-1.54%	0.10x	8.47x	Rs-14.19 Billion
2023	6.80%	7.59%	0.10x	8.56x	Rs-4.33 Billion
2024	8.49%	8.22%	0.11x	9.33x	Rs-2.24 Billion
2025	4.58%	3.99%	0.12x	9.37x	Rs-8.50 Billion

Industry Comparison

This section compares RBL Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $108,245,704,600
Average return on equity (ROE) among peers: 6.74%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
RBL Bank Limited (RBLBANK)	Rs161.20 Billion	5.41%	8.56x	$2.25 Billion
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bandhan Bank Limited (BANDHANBNK)	$216.10 Billion	10.32%	7.23x	$3.48 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
Central Bank of India (CENTRALBK)	$110.28 Billion	11.92%	18.04x	$3.57 Billion
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
City Union Bank Limited (CUB)	$48.41 Billion	14.11%	8.35x	$2.17 Billion
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About RBL Bank Limited

NSE:RBLBANK India Banks - Regional

Market Cap

$2.25 Billion

Rs208.10 Billion INR

Market Cap Rank

#5844 Global

#255 in India

Share Price

Rs336.55

Change (1 day)

-1.36%

52-Week Range

Rs196.36 - Rs341.20

All Time High

Rs683.17