RBL Bank : Updates

January 02, 2023

BSE Limited,

1st Floor, Phiroze Jeejeebhoy Towers, Dalal Street,

Mumbai - 400001.

Script Code: 540065

Reg: Disclosure under Regulation 52(4) of SEBI (LODR) Regulations - 2015, as

amended ("SEBI Listing Regulations")

We refer to our letter dated October 22, 2022, wherein we had intimated outcome of Board Meeting dated October 22, 2022 inter alia covering disclosure under Regulation 52(4) of the SEBI Listing Regulations for the quarter and half year ended September 30, 2022.

In this regards and as per the email dated December 30, 2022 received from BSE Limited for furnishing the declaration under Regulation 52(4) as a separate Annexure, please find enclosed herewith the Disclosure under Regulation 52(4) of the SEBI Listing Regulations as Annexure-A for the quarter and half year ended September 30, 2022.

Further, the information is being hosted on the Bank's Website at www.rblbank.com.

Kindly take the same on record.

Thanking you,

Yours faithfully,

For RBL Bank Limited

NITI

ARYA

Digitally signed by NITI ARYA Date: 2023.01.02 14:58:18 +05'30'

Niti Arya

Company Secretary

Encl: As above

C.C.:

National Stock Exchange of India Limited,

Exchange Plaza, C-1, Block G,

Bandra Kurla Complex, Bandra (E)

Mumbai -400051.

Script Name: RBLBANK

www.rblbank.com

RBL Bank Limited

Controlling Office: One World Center, Tower 2B, 6th Floor, 841 Senapati Bapat Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India I Tel:+91 22

43020600 I Fax: [phone]

Registered Office: 1st Lane, Shahupuri, Kolhapur - 416001, India I Tel.: [phone] I Fax: [phone]

CIN: L65191PN1943PLC007308 . E-mail: [e-mail]

Annexure as prescribed under Regulation 52(4) of SEBI Listing Regulations is given hereunder

Details provided for the period ended September 30, 2022

				Rs in Lakh
Sr.	Particulars	Response
a	debt-equity ratio;	0.82
b	debt service coverage ratio;	Provided that the requirement of disclosures of
		debt service coverage ratio [***] and interest
		service coverage ratio shall not be applicable for
		banks	or	[non-banking	financial
		companies/housing	finance	companies]
		registered with the Reserve Bank of India."- As per
		the provisions of the regulations prevailing as on
		the date of declaration of financial results i.e.
		October 22, 2022,
c	interest service coverage ratio;	Provided that the requirement of disclosures of
		debt service coverage ratio [***] and interest
		service coverage ratio shall not be applicable for
		banks	or	[non-banking	financial
		companies/housing	finance	companies]
		registered with the Reserve Bank of India."- As per
		the provisions of the regulations prevailing as on
		the date of declaration of financial results i.e.
		October 22, 2022,
d	outstanding redeemable preference shares	NIL
	(quantity and value);
e	capital redemption reserve/debenture	NIL
	redemption reserve;
f	net worth;	Rs, 1,202,371
g	net profit after tax;	Rs. 40,271
h	earnings per share:	Rs. 6.72 (Basic)/ Rs. 6.71 (Dilutive)
i	current ratio;	Entities covered under Schedule III to the
		Companies Act, 2013 are required to calculate/
		disclose current asset and current liabilities.
		Bank's Financial Statements are required to be
		prepared in line with the Banking Regulation Act,
		1963 where current asset and current liabilities
		are not calculated/ disclosed, hence it is
		considered to be not applicable for Banking
		industry.
j	long term debt to working capital;	Unlike manufacturing/ trading industry, Banks do
		not calculate/ disclose working capital, hence it
		is considered to be not applicable for Banking
		industry. Capital adequacy ratio is being
		disclosed by Banks.

www.rblbank.com

RBL Bank Limited

Controlling Office: One World Center, Tower 2B, 6th Floor, 841 Senapati Bapat Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India I Tel:+91 22

43020600 I Fax: [phone]

Registered Office: 1st Lane, Shahupuri, Kolhapur - 416001, India I Tel.: [phone] I Fax: [phone]

CIN: L65191PN1943PLC007308 . E-mail: [e-mail]

k	bad debts to Account receivable ratio;	Disclosed - Gross NPA ratio is disclosed which is
		derived by dividing the Gross NPAs to Gross
		Advances
l	current liability ratio;	Entities covered under Schedule III to the
		Companies Act, 2013 are required to calculate/
		disclose current asset and current liabilities.
		Bank's Financial Statements are required to be
		prepared in line with the Banking Regulation Act,
		1963 where current asset and current liabilities
		are not calculated/ disclosed, hence it is
		considered to be not applicable for Banking
		industry.
m	total debts to total assets;	10.03%
n	debtors' turnover;	Unlike manufacturing/ trading industry, in
		banking industry there is no concept of debtors,
		instead for borrowers the loan repayment due
		dates are prefixed and in cases of non-
		repayments relevant disclosures in line with RBI
		guidelines are disclosed, hence disclosure for
		debtors' turnover is considered to be not
		applicable for Banking industry.
o	inventory turnover;	Unlike manufacturing/ trading industry, Banks do
		not maintain inventories, hence it is considered
		to be not applicable for Banking industry.
p	operating margin percent;	Unlike manufacturing/ trading industry, Banks do
		not calculate/ disclose operating margin percent,
		hence it is considered to be not applicable for
		Banking industry. Return on assets percent is
		being disclosed by Banks.
q	net profit margin percent:	Unlike manufacturing/ trading industry, Banks do
		not calculate/ disclose net profit margin percent,
		hence it is considered to be not applicable for
		Banking industry. Return on assets percent is
		being disclosed by Banks.
r.	sector specific equivalent ratios, as	The ratios applicable to banking sector have
	applicable	been duly disclosed

www.rblbank.com

RBL Bank Limited

Controlling Office: One World Center, Tower 2B, 6th Floor, 841 Senapati Bapat Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India I Tel:+91 22

43020600 I Fax: [phone]

Registered Office: 1st Lane, Shahupuri, Kolhapur - 416001, India I Tel.: [phone] I Fax: [phone]

CIN: L65191PN1943PLC007308 . E-mail: [e-mail]