RBL Bank Ltd

- No explicit mention of current or immediate capex or strategic investments is made in the call. - The bank plans to raise Tier 2 capital during the current year to shore up total capital. - A QIP shareholder resolution will be taken in AGM in August, valid for one year, enabling potential equity raise. - Management indicates no immediate or near-term plans for raising equity capital; capital raise likely after August next year if needed. - Focus remains on organic growth with granular deposit and advances expansion. - The board is discussing alternative brand-building strategies to be implemented during the year. - The bank has in-sourced core technology management recently to enhance customer service, indicating some operational investment without specific capex details. In summary, capital raising is planned for medium term, no immediate strategic investment disclosed, focus on operational efficiencies and brand building.

- Advances growth guidance at 18%-20% supported by granular deposit growth of 23%-25%. - Retail advances growing strongly with a 31% YoY increase and 9% sequential rise. - Newer secured businesses like housing loans grew 52% YoY, rural vehicle finance up 74% YoY. - Credit card spend stable around INR 21,000 crores with seasonal uptick expected in Q3 and Q4. - Microfinance growth to resume average levels from Q2 after Q1 slowdown due to election and seasonality. - Business acquisition and collection costs growing at 23% YoY, expected to moderate as operations stabilize. - Total deposits guided to grow 18%-20%, granular deposits increasing as a focus area. - New sourcing in credit cards diversifying with increased share of non-BFL co-brand cards to 52%. - Overall performance aligned with Vision 2026 plan aiming for 15%-20% growth in ROA by FY '26.

- RBL Bank aims for 15% ROE by FY '26 but acknowledges this depends on capital raising and leveraging; currently at 10% ROE. - The bank targets 18-20% deposit growth to support credit growth of around 20% annually. - Credit cost guidance for FY '25 is maintained at 2.1 - 2.2%, with some pressure expected in H1; improvements anticipated in H2. - Operating expenses are expected to grow slower than advances, with a 2-3% annual reduction in cost-to-income ratio projected. - Margins are expected to remain flattish in the near term with a slight improvement in the second half of the year. - Newer retail businesses are scaling up, expected to contribute positively by year-end. - Overall confidence expressed in achieving steady growth in earnings and profitability aligned with Vision 2026 targets.

The provided transcript from RBL Bank Limited's Q1 FY'25 earnings call does not contain specific details about the current or expected order book or pending orders. The discussion primarily revolves around: - Loan and deposit growth - Credit quality and slippages - Funding and capital plans - Business sourcing strategies and cost trends - Performance of retail and wholesale banking segments - Collection transitions and outlook - Brand building and customer acquisition strategies There is no mention of order books or pending orders in the bank's context in the provided pages. If you require insights on loan disbursements or business pipeline, the bank reported: - Advances growth of 19% YoY - Retail advances growth of 31% YoY - Healthy disbursements in newer secured segments such as housing loans and business loans For specific order book or pending order data, further details would need to be sourced externally or from other documents.

- No immediate plans to raise equity capital; the bank remains well-capitalized for short and medium-term growth. - Plans to raise Tier 2 capital during the current year to shore up total capital. - A QIP shareholder resolution will be taken at the AGM in August, enabling capital raising for one year thereafter. - Likely to raise equity capital before August next year, but not in the near or medium term. - Last equity raise was post-COVID during unusual circumstances; current asset quality situation is stable with some contingency provisions in place. - No specific mention of new debt fundraising in the current disclosures.