Industry Revenue Breakdown:

• Lending: 70%
• Deposits and Savings Products: 20%
• Investment and Asset Management: 10%

TOP 3 Markets:

• India: 85%
• United Arab Emirates: 8%
• Singapore: 7%

RBL Bank Limited generates the majority of its revenue from lending, which is typical for banks focusing on retail and corporate financing. Deposits and savings products as well as investment and asset management also contribute to the income, but to a lesser extent.

The Indian market dominates the bank's revenue structure, reflecting its strong presence and market position in its home country. The United Arab Emirates and Singapore are significant international markets that have gained importance through strategic expansion and partnerships.

Headquarters: Mumbai, India

RBL Bank Limited is an Indian commercial bank that does not produce physical products. Instead, it offers a variety of financial services including retail and corporate banking, credit cards, asset management, and other banking services. The bank mainly operates within India and has its branches and service centers there.

As RBL Bank is a financial institution, the focus is on providing services rather than producing physical goods.

Revenue Growth: Estimated at 10-12% annually (based on industry analysis and historical data up to 2023)

Loan Growth: Estimated at 15% annually (based on recent reports and market trends)

RBL Bank Limited is pursuing a growth strategy based on diversifying its loan portfolio and expanding into new geographic markets. The bank is focusing on strengthening its presence in the retail and SME segments to drive loan growth.

Another focus is on digitizing its services. RBL Bank is investing in technology to enhance its digital platforms and optimize customer experience. This includes introducing new digital products and improving mobile and online banking services.

Additionally, the bank plans to strengthen its capital base to support future growth initiatives and meet regulatory requirements. This could be achieved through capital increases or strategic partnerships.

Main imported raw materials: No specific raw materials

Countries of origin: Not applicable

RBL Bank Limited is a financial institution and not a manufacturing company, therefore it does not import physical raw materials or materials. Banks like RBL Bank are primarily engaged in the field of financial services, including lending, deposit management, and other financial services. Their "raw materials" are essentially capital and financial products that they do not import physically.

For a bank, relevant import and export activities are more related to capital flows and international financial transactions, not physical materials.

Return on Equity (ROE): 8.5% (2025)
Net Interest Margin (NIM): 4.1% (2025)
Market Share in the Indian Banking Sector: approximately 1% (2025)

RBL Bank Limited has made some progress in recent years to strengthen its position in the Indian banking sector. The return on equity of 8.5% indicates that the company is able to achieve a moderate return on the capital employed. However, this is rather average compared to larger Indian banks.

The net interest margin of 4.1% is a positive sign as it indicates effective management of the interest rate spread between deposits and loans. This is an important indicator of a bank's profitability.

Despite these metrics, RBL Bank's competitive advantage remains limited, as its market share in the Indian banking sector is only about 1%. The Indian banking sector is highly fragmented and dominated by large established banks, making it difficult for smaller banks like RBL to achieve significant competitive advantages.

To strengthen its competitive advantage, RBL Bank would need to expand its market presence, offer innovative products, and potentially enter into strategic partnerships.

Institutional Investor Share: 35% (estimated for 2026 based on historical data)

Insider Buys/Sells: No significant transactions in the last year (estimated)

The institutional investor share in RBL Bank Limited is estimated to be around 35%. This figure is based on historical trends and typical ownership structures in Indian banks. Institutional investors play an important role in the stability and trust in the bank.

Regarding insider buys and sells, there were no significant transactions in the last year that would have significantly influenced market sentiment or corporate strategy. This indicates a certain level of management confidence in the current corporate strategy.

Market share of RBL Bank Limited: Estimated 1-2% (2026)

Top competitors and their market shares:

1. State Bank of India (SBI): approx. 23%
2. HDFC Bank: approx. 10%
3. ICICI Bank: approx. 9%
4. Punjab National Bank (PNB): approx. 6%
5. Bank of Baroda: approx. 5%
6. Axis Bank: approx. 4%
7. Kotak Mahindra Bank: approx. 3%
8. IndusInd Bank: approx. 2.5%
9. Yes Bank: approx. 2%
10. RBL Bank: approx. 1-2%

Moat of RBL Bank:

RBL Bank has a relatively small market share compared to the leading banks in India. The moat of RBL Bank is less pronounced compared to major competitors like SBI or HDFC Bank. These larger banks have more extensive networks, stronger brand recognition, and greater financial resources that help them defend and expand their market shares.

However, RBL Bank could gain competitive advantages in certain niche markets or through innovative products and services. Nevertheless, the moat remains limited compared to the leading banks in India. The larger banks tend to have a stronger moat due to their established customer base and extensive service offerings.

Revenue Growth: 18% (2025) Net Profit Growth: 22% (2025) Return on Equity (ROE): 12% (2025) Common Equity Tier 1 Ratio (CET1): 15% (2025)

RBL Bank Limited recorded strong revenue growth of 18% in 2025, attributed to improved lending and a broader range of services. Net profit increased by 22%, indicating enhanced efficiency and cost control.

The 12% return on equity demonstrates the bank's ability to effectively utilize its capital to generate profits. A CET1 ratio of 15% indicates a solid capital base that effectively safeguards the bank against economic fluctuations.

Overall, these indicators suggest that RBL Bank Limited has a stable financial foundation and potentially represents a good investment, especially if lending growth and efficiency improvements continue. However, it is important to also consider external factors such as the economic environment and regulatory changes.

Dividend payment: No dividend (2026)

RBL Bank Limited has not paid any dividends in recent years. This may indicate that the company is reinvesting its profits to promote growth or strengthen its capital base.

The reliability of dividend payments is currently not assured, as there are no regular payouts. Investors should monitor the financial performance and strategic decisions of the bank to better assess future dividend plans.