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RBL Bank Ltd231.80 6.05 (2.68%)

  • BSE: 590108
  • |
  • NSE: RBLBANK
  • |
  • ISIN NO: INE976G01028
  • |
  • INDUSTRY: Banks
Profile

RBLBANK

RBLBANK It was being incorporated under the Indian Companies Act, 1913 and was also granted a certificate of incorporation as on June 14, 1943, as ‘The Ratnakar Bank Limited’ and was granted the certificate of commencement of business, dated July 5, 1943, by the Registrar of Joint Stock Companies, Kolhapur State. According to the no-objection letter dated August 8, 2014 received from the RBI and a special resolution passed by the shareholders of The Bank on August 26, 2014, the bank na ... me was also changed from ‘The Ratnakar Bank Limited’ to ‘RBL Bank Limited’ so as to refresh its brand to be more focussed on new-age customers as well as stakeholders. Also, a fresh certificate of incorporation, dated November 24, 2014, following the name change was granted by the Registrar of Companies, Pune to the Bank. It is a banking company being recognized as a scheduled commercial bank within the meaning of the Reserve Bank of India Act, 1934.

Some of the Milestones:

  • 1943: It was being incorporated as ‘The Ratnakar Bank Limited’ in Kolhapur State, India.
  • 1959: Its name was entered in the Second Schedule to the Reserve Bank of India Act, 1934, by the Reserve Bank of India.
  • 1970: It received a license to carry on banking business in India from the Reserve Bank of India.
  • 2011: It was granted a license to operate as an authorized dealer category – I and deal in foreign exchange, by the RBI.
  • 2014: It received a certificate of registration to act as a merchant banker from SEBI.

Some of the Achievements:

  • 2012:
  • The “Best Core Banking Project Award for India” from the Asian Banker Technology Implementation Awards.
  • Business Today - KPMG study also deemed The Bank, the winner in the “Growth (Mid-sized bank)” category.
  • 2013:
  • It was chosen as “India’s Best Bank – Growth (Mid-size bank)” by Business Today.
  • It received ISO: 9001:2008 Quality Management System certification (certificate number FS 596786) for The centralized operations processes at The National Operating Centre. It was valid until March 14, 2016.
  • “The Best Indian Banker (Small-Sized)” from by Sunday Standards the Best Bankers’ Award.
  • 2014:
  • It was the "Fastest Growing Small Bank” from the Business World Magna Awards.
  • It was selected as a “World Economic Forum Global Growth Company, 2014” by the World Economic Forum.
  • It received a BSI Certificate of Registration affirming ISO/IEC 27001:2013 compliance by the Bank’s Information Security Management System.
  • It was selected as “Best Bank – Priority Sector Lending (Private Sector)” during the Dun & Bradstreet - Polaris Financial Technology Banking Awards, 2014, by Dun & Bradstreet India.
  • 2015:
  • Also, the Business Today - KPMG study recognized the Bank as the “Best Overall Bank (Small),” the “Best Bank (Growth)” and the “Best Bank (Quality of Assets).”
  • "The Fastest Growing Small Bank” from the Business World & PWC Best Bank Study.
  • It was selected as “Best Private Sector Bank – Priority Sector Lending” during the Dun & Bradstreet Banking Awards, 2015.
  • It received the “IDRBT Banking Technology Excellence Award” for the year 2014-2015 for “Use of Technology in Financial Inclusion” among small banks.
  • It received the “Innovation Award” presented for the Bank’s Co-Brand Program and Credit Card Program by MasterCard.
  • 2016:
  • The Best Corporate Payment Project at The Asian Banker Technology Innovation Awards.
  • It received Innovation Award for The Debit Card Program by Mastercard.
  • The RBL Bank Ltd was listed and admitted to dealings on the Exchange in the list of 'B' Group Securities.
  • It acquires a 9.99% stake in Utkarsh Micro Finance Ltd.
  • The "RBL Bank, NeoGrowth and OPIC Sign Commitment for the SME Financing to Retail Businesses in India."
  • Also, the "RBL Bank became the first Indian bank to launch Aadhaar Payment Bridge System for small ticket micro-finance loan disbursements."

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Key Data
  • Market cap 8832.00 CR.
  • Book value 207.84
  • Stock P/E 31
  • Dividend Yield 0.86%
  • ROCE 6.91%
  • ROE 5.58%
  • Sales Growth (3Y) 31.87%
  • Face Value (3Y) 10.00
Trend Analysis
  • Short Term Trend :
    Up
  • Medium Term Trend :
    Up
  • Long Term Trend :
    Not Clear

Are you friends with trend?

There is a saying in stock market, "Trend is your best friend"

It means, a good trader doesn't place his money against the trend. Many new traders lose money because they are trying to catch trend reversals but seasoned traders wait for a clear trend to emerge before taking the trade in the direction of trend.

Day Technicals

What is Opening Range Breakout?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

NR7

What is NR7 trading strategy?

Narrow Range trading strategy or NR7 Trading strategy is a breakout based method which assumes that the price of security trends up or down after a brief consolidation in a narrow range.

Opening Price clues

How to use Opening Price Clues in your trades?

If the stock has same open and high after it has traded for some time, it implies there was a consistent selling pressure that didn't allow the stock to move higher from the opening price. Similarly, if the stock has same open and low price, it implies there was a consistent buying intent that kept the stock price above the opening price.

Day High Low Range
TIME LOWEST HIGHEST
10 AM 226.50 230.85
11 AM 226.50 232.50
12 PM 226.50 232.50
1 PM 226.50 233.00
2 PM 226.50 234.75
3 PM 226.50 234.75
Japanese Candlestick Patterns
Candle Pattern 1 :None
Candle Pattern 2 : None
Candle Pattern 3 :None
Candlestick Price Action
Higher High Higher Low
Pivot Points
Name S4 S3 S2 S1 Pivot Points R1 R2 R3 R4
classic 198.25 207.45 216.65 221.20 225.85 230.40 235.05 244.25 253.45
woodie's 204.70 213.90 217.60 223.10 226.80 232.30 236.00 241.50 250.70
fibonacci - 216.65 220.16 222.34 225.85 229.36 231.54 235.05 -
camarilla 220.69 223.22 224.06 224.91 -- 226.59 227.44 228.28 230.81
Past Performance & Moving Averages
Day’s LOW HIGH RANGE SMA PERFORMANCE Nifty
10 DAY 207.10
236.00
220.82 6.76 % 2.25 %
20 DAY 179.75
236.00
209.46 14.68 % 4.01 %
50 DAY 156.10
236.00
188.03 36.16 % 10.93 %
100 DAY 156.10
236.00
184.86 21.86 % 14.80 %
200 DAY 101.55
344.20
178.69 107.40 % 48.91 %
YTD 101.55
372.40
200.10 -34.57 % 7.80 %
52 Week 101.55
663.00
273.12 -37.40 % 9.87 %

Why are moving Averages important in technical Analysis?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

Gaps On Day Chart
Unfilled Gap Up On 2020-06-08
130.35 ~ 128.30 SUPPORT
Unfilled Gap Down On 2020-03-06
275.00 ~ 289.65 RESISTANCE
Unfilled Gap Down On 2019-07-22
495.30 ~ 496.40 RESISTANCE
Unfilled Gap Down On 2019-06-12
667.85 ~ 668.05 RESISTANCE
Industry Growth Rate

In Last 1 Year the industry has grown by 15.25 %

In Last 5 Year the industry has grown by 4.80 %

Peer comparison

Sales

COMPANY NAME201420152016201720182019
RBLBANK 3713.004561.006302.00
SBIN189062.00207974.00220633.00230447.00228970.00253322.00
ICICIBANK49479.0054964.0059294.0060940.0062162.0071982.00
HDFCBANK42555.0050666.0063162.0073271.0085288.00105161.00
AXISBANK30736.0035727.0041409.0045175.0046614.0056044.00
Total 82709.20 85519.00 98562.20 77958.00 87332.75 96124.50

Financial

LAST FISCAL CURRENT GROWTH 10 YEAR CAGR
S.NO. COMPANY NAME MARKET CAP CMP BOOK VALUE EPS STOCK P/E ROE GNPA REVENUE NET PROFIT NPM REVENUE NET PROFIT REVENUE NET PROFIT
1 HDFC Bank Ltd 770945.32 1406.95 272.34 41.00 30.37 40.98 105161.00 22332.00 21.24% 23.30% 20.65% 20.48% 25.80%
2 ICICI BANK LTD. 310993.12 480.45 167.47 6.60 81.68 3.30 71982.00 4254.00 5.91% 15.80% 7.10% 1.75%
3 KOTAK MAHINDRA BANK LTD. 346648.04 1813.40 224.42 37.74 44.78 4.95 1.94% 29935.00 7204.00 24.07% 19.12% 16.17% 21.23% 27.15%
4 STATE BANK OF INDIA 220259.08 246.80 247.53 2.58 120.54 2.58 253322.00 2300.00 0.91% 10.64% 10.70%
5 AXIS BANK LTD. 171539.86 608.25 236.40 19.59 36.96 9.80 56044.00 5039.00 8.99% 20.23% 1005.04% 17.87% 10.76%
6 INDUSIND BANK LTD. 62175.90 896.70 384.70 54.77 23.24 5.47 2.10% 22261.00 3301.00 14.83% 28.82%
7 Bandhan Bank Ltd 59974.45 372.40 69.57
8 LAKSHMI VILAS BANK LTD. 26018.79 7.65 56.21
9 BANK OF BARODA 24997.08 54.10 99.43 4.15 21.24 2.08 52906.00 1100.00 2.08% 14.87% 13.03%
10 PUNJAB NATIONAL BANK 22894.47 33.95 66.47 52147.00 7.02% 10.18%
11 Dhanlaxmi Bank Limited 25247.98 9.93 30.08
12 IDBI BANK LTD. 39550.58 38.10 36.23 22102.00 6.62%
13 AU Small Finance Bank Ltd 26913.06 886.00 65.83
14 BANK OF INDIA 15544.72 47.40 127.20 41005.00 7.03% 9.59%
15 IDFC First Bank Ltd 17646.97 36.80 37.92 12204.00 34.14%
16 CANARA BANK 10883.65 105.70 351.16 7.99 23.03 0.80 8.87% 46897.00 602.00 1.28% 13.43% 10.60%
17 FEDERAL BANK LTD. 12960.59 65.05 66.62 6.63 13.70 3.31 2.92% 11635.00 1316.00 11.31% 17.35% 40.75% 13.38% 10.80%
18 CITY UNION BANK LTD. 13360.28 181.45 65.79
19 UNION BANK OF INDIA 10063.29 29.40 77.38 34314.00 4.13%
20 RBL Bank Ltd 11469.51 225.55 148.46 20.10 15.81 2.01 6302.00 858.00 13.61% 38.17% 35.76%
Sales

What is Sales Trend ?

Sales trend is a methodology to understand sales results which helps in understanding the trends of the market over a specific period of time. Sales results are an indicative of the sales patterns followed by the customer over a time period.

Profitability

What is Profit & EPS Trend ?

EPS Trends was initially built in late 2015 when I was just getting into frontend development. Coming from a background in Rails, I was frustrated with how many decisions you had to make early on as a javascript developer.

Net Profit
EPS

What is EBITDA Margin & EBIT Margin ?

Corporate accounting is required to adhere to the standards and practices collectively referred to as the generally accepted accounting principles. EBITDA is an excellent way for corporate accountants to start compiling data, but it should not be considered an absolute result. This is due to the fact that many consider EBITDA more of a broad stroke than a definitive form of accounting practice.

EBITDA Margin
EBIT Margin
NPM
Cash Flow

Why is the Cash Flow Analysis important?

A business needs cash to pay its expenses, to pay bank loans, to pay taxes and to purchase new assets. A cash flow report determines whether a business has enough cash to do exactly this.

Operating Activities
Financing Activities
Investing Activities
Financial Health

What Is Financial Health?

Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to financial health, including the amount of savings you have, how much you’re putting away for retirement, and how much of your income you are spending on fixed or non-discretionary expenses.

Debt to Equity
Piotroski Score
  • 0
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9

What Is the Piotroski Score?

The Piotroski score is a discrete score between 0-9 that reflects nine criteria used to determine the strength of a firm's financial position.

Altman Z Score (Mfg Company)
  • Distress (< 1.81)
  • Caution (>1.81 < 2.99)
  • 13.59
    Safe (3 & above)
Altman Z Score (Non-Mfg Company)
  • Distress ( < 1.23)
  • Caution (>1.23 < 2.6)
  • 58.89
    Safe (2.6 & above)
Valuation

What Is Valuation?

Valuation is the analytical process of determining the current (or projected) worth of an asset or a company. There are many techniques used for doing a valuation. An analyst placing a value on a company looks at the business's management, the composition of its capital structure, the prospect of future earnings, and the market value of its assets, among other metrics.

RBLBANK: Future
TRADING SYMBOL OI VOLUME LAST PRICE LOT SIZE EXPIRY DATE
RBLBANK20DECFUT 20722000.00 20384000.00 232.35 2600 2020-12-31
RBLBANK21JANFUT 310300.00 205900.00 233.10 2900 2021-01-28
RBLBANK21FEBFUT 5800.00 0.00 228.00 2900 2021-02-25
ROLLOVER COST: 0.32% (INR 0.75)
ROLLOVER%:1.50%
What is the significance of Rollover data?

Rollover in an important data point and should be analyzed in the expiry week. Rollover involves carry forwarding of ‘futures’ positions from one series (which is nearing expiry date) to the next one.

Rollover percentage actually indicates whether the traders are willing to carry forward their existing. positions (long or short) to the next series or not. Generally, the rollover figures alone will not indicate which direction traders are betting on. You should also check whether absolute open interest is increasing or decreasing over expiries

What is Options Max Pain Theory?

Options Max Pain Theory suggests,

“On option expiration day, the underlying stock price often moves toward a point that brings maximum loss to option buyers.”

Ratio Analysis

The Bank was incorporated in the year 2004 by Rana Kapoor and Late Ashok Kapur, which is a new age private sector bank. And since the inception of the bank has fructified into a “Full-Service Commercial Bank,” it has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the whole country.

It is well-equipped to offer a spectrum of products and services to all the corporate and retail customers.

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Bulk Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
RBLBANK 2017-11-24 NORWEST VENTURE PARTNERS X FII - MAURITIUS S 5631212.00 510.00
RBLBANK 2017-08-29 CARTICA CAPITAL 2 LIMITED - FDI S 8024251.00 515.00
RBLBANK 2017-08-29 NORGES BANK ON ACCOUNT OF THE GOVERNMENT PENSION FUND GLOBAL P 3834009.00 515.00
RBLBANK 2017-08-29 NORWEST VENTURE PARTNERS X FII - MAURITIUS S 6000000.00 515.04
RBLBANK 2017-08-29 CARTICA CAPITAL LTD P 8024251.00 515.00
RBLBANK 2017-08-29 SAMARA CAPITAL PARTNERS FUND I LIMITED S 3610000.00 515.00
RBLBANK 2016-08-31 TVS SHRIRAM GROWTH FUND S 2637611.00 289.57
Block Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
RBLBANK 2017-08-29 CARTICA CAPITAL LTD P 8024251.00 515.00
RBLBANK 2017-08-29 CARTICA CAPITAL 2 LIMITED - FDI S 8024251.00 515.00
Dividend history
Ex Date Amount
2020-03-23 1.50
2019-07-01 2.70
2018-07-26 2.10
2017-07-27 1.80
Bonus Data
Company Name Split Date From Value To Value
Split Data
Company Name Split Date From Value To Value