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RBL Bank Ltd (RATB.NS)

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Summary

Name Age Since Current Position

Prakash Chandra

65 2018 Part-Time Non-Executive Chairman of the Board

Vishwavir Ahuja

56 2015 Chief Executive Officer, Managing Director, Executive Director

Deepak Ruiya

2018 Interim Chief Financial Officer

Joginder Rana

50 2012 Chief Operations Officer

Satish Dhawan

56 2012 Chief Infrastructure and Administration Officer

Vinay Tripathi

34 2013 Company Secretary and Compliance Officer

Bhaskar Niyogi

2017 Chief Risk Officer

Rajeev Ahuja

52 2017 Head – Strategy, Retail, Transaction Banking and Financial Inclusion, Executive Director

Shanta Vallury

49 2015 Head- Human Resources, Learning and Development, Internal Branding and CSR

Rana Anand

49 2014 Head - Segments and Products, Business and Branch Banking

Surinder Chawla

47 2013 Head - Geography, Business and Branch Banking

Rajeev Dewal

56 2014 Head - Legal

Andrew Gracias

44 2013 Head - Financial Markets

Amareesh Gulati

52 2014 Head - Transaction Banking and Payment Services

R Gurumurthy

54 2011 Head – Risk and Governance

Brijesh Mehra

53 2016 Head - Corporate and Institutional Banking and Transaction Banking

Neeta Mukerji

50 2015 Chief Credit Officer

Manoj Rawat

47 2012 Head - Agri Business

Sanjay Sharma

50 2013 Head - Technology, Innovation and Customer Fulfilment

Sandeep Thapliyal

46 2013 Head - Commercial Banking

Harjeet Toor

47 2013 Business Head - Micro banking, Credit Cards, Retail & MSME Lending

Bhavtaran Uberai

58 2014 Chief of Staff and Head- Change Management and Service Delivery

Ishan Raina

58 2016 Additional Director

Vijay Mahajan

2018 Non-Executive Director

Rama Bijapurkar

60 2014 Independent Director

Sivanandhan Dhanushkodi

65 2014 Independent Director

Jairaj Purandare

57 2014 Independent Director

Palepu Rao

55 2014 Independent Director

Biographies

Name Description

Prakash Chandra

Mr. Prakash Chandra is re-designated as Part-Time Non-Executive Chairman of the Board of the Company effective May 20, 2018. He currently serves as Non-Executive Independent Director of the Company. Mr. Chandra joined the Income Tax Department in 1973 as a member of Indian Revenue Service, and retired as Chairman, Central Board of Direct Taxes (CBDT) on July 31, 2011. He has held important positions in the Government at various places viz., Assistant Commissioner/ Joint Commissioner/ Commissioner and Chief Commissioner of Income Tax. Retired as Member/ Chairman, CBDT, Mr. Chandra was Ombudsman, Income Tax Department, Delhi for 2 years till December 31, 2013 as a post retirement assignment. He has also worked as Director, Department of Supply, Ministry of Commerce (1988-1991), Director, Border Roads Development Board, Ministry of Defence (1991-1993) and Director General of Income Tax (International Taxation), Delhi. After retirement, he is now an Advocate and a member of the High Court and Supreme Court Bar Associations. He was also Chairman/Member of various Committees set up by Government of India, from time to time. He was also President of Indian Revenue Service Officers' Association and represented them before the Sixth Pay Commission.

Vishwavir Ahuja

Mr. Vishwavir Ahuja is Chief Executive Officer, Managing Director, Executive Director of Ratnakar Bank Ltd. He holds a bachelor’s degree in commerce (honours) from Shri Ram College of Commerce, New Delhi and a post-graduate diploma in management from the Indian Institute of Management, Ahmedabad. Mr. Ahuja has about 35 years of experience in the banking and financial services sector. Previously Mr. Ahuja was the managing director and country executive officer of Bank of America for the Indian sub-continent. He was also awarded with the Rotary Foundation Educational Award for the year 1981-82 to pursue his study at Wayne State University, Michigan, USA. He is also a member of the Young President’s Organization, which is a global peer network of chief executives and business leaders, and was previously a member of the National Task Force on Financial Sector Reforms formed by the Confederation of Indian Industries during 2008-2009. Mr. Ahuja is currently a member of the board of governors of the Indian Institute of Management, Kashipur, Infinity Business School, Gurgaon, and a founder member of Ashoka University, Sonipat. Mr. Ahuja has been associated with our Bank as a Director since February 23, 2010 and has been our Managing Director & CEO since June 3, 2010. In addition to being the Managing Director & CEO of our Bank, Mr. Ahuja is, a member of Stakeholders’ Relations Committee, Risk Management Committee, CSR Committee, Capital Raising Committee, Board Investment and Credit Committee, Anti-Fraud Committee, Customer Service, Branding and Marketing Committee and IT Strategy Committee of our Bank.

Deepak Ruiya

Mr. Deepak Ruiya is Interim Chief Financial Officer of the Company. Mr. Deepak Ruiya has been with the Bank for over three years and has been heading the Financial Control function in the Bank. He is a Chartered Accountant with over 15 years of experience including around 10 years at Barclays Bank PLC where he was Vice President Finance.

Joginder Rana

Mr. Joginder Singh Rana is Chief Operations Officer of The Ratnakar Bank Ltd. He is a chartered accountant, a member of the Institute of Company Secretaries of India and Institute of Cost and Works Accountant of India. He is also a fraud examiner certified by the Association of Certified Fraud Examiners. Mr. Rana has about 26 years of experience in the Indian as well as overseas banking sector. He was previously Citibank Asia’s head- enterprise risk management for consumer bank division. He was also a director of Citigroup Wealth Advisors India Private Limited. He was earlier involved with e-Serve International Limited, the BPO set up of Citigroup. Mr. Rana has been associated with our Bank since February 1, 2012. As the Chief Operations Officer of our Bank, he is responsible for managing our Bank’s operations across business segments.

Satish Dhawan

Mr. Satish Dhawan is Chief Infrastructure and Administration Officer of the Company. He holds a bachelor’s degree in commerce from Delhi University. He has about 12 years of experience, inter alia, in real estate infrastructure and was previously associated with DCM Estates as its CEO. He has been associated with our Bank since August 16, 2012, and is responsible for bank security, vendor management, real estate construction and management of our Bank.

Vinay Tripathi

Mr. Vinay Tripathi is Company Secretary and Compliance Officer of the Company. He holds a bachelor’s degree in commerce from the University of Lucknow and is an associate member of the Institute of Company Secretaries of India. He has wide experience working for banking and financial companies and was previously associated with L&T Finance Limited, Yes Bank Limited and CMC Limited. Mr. Tripathi has been associated with our Bank since November 27, 2013, and is responsible for secretarial functions as well as for redressing investor grievances.

Bhaskar Niyogi

Rajeev Ahuja

Mr. Rajeev Ahuja serves as Head – Strategy, Retail, Transaction Banking and Financial Inclusion, Executive Director of the Company. He was Head – Strategy, Retail, Transaction Banking and Financial Inclusion of the Company. He holds a bachelor’s degree in commerce from the Delhi University and a postgraduate diploma in management from the Indian Institute of Management, Ahmedabad. Mr. Ahuja has about 30 years of experience in investment banking and financial markets. Prior to joining our Bank, he was associated with Citibank India, Bank of America, India and the capital markets and investment banking divisions of the Bankers Trust Company, Hong Kong and Deutsche Bank, Singapore. Mr. Ahuja has been associated with our Bank since June 1, 2010.

Shanta Vallury

Ms. Shanta Vallury is Head- Human Resources, Learning and Development, Internal Branding and CSR of the Company. She holds a master’s degree in economics from the Mumbai University and a master’s degree in marketing management from the Jamnalal Institute of Management Studies. She has experience in financial services. Prior to joining our Bank, Ms. Vallury was also the vice president of the acquisitions and partnerships division of American Express Bank Limited (Gurgaon). Ms. Vallury has been associated with our Bank since September 15, 2010. She joined our Bank in the position of a senior leader in our branch banking and retail assets department and subsequently, in May, 2015, became our Head- Human Resources, Learning and Development, Internal Branding and CSR and is responsible for the human capital of our Bank.

Rana Anand

Mr. Rana Vikram Anand is Head - Segments and Products, Business and Branch Banking of the Company. He holds a bachelor’s degree in economics (honours) from the Delhi University and a master’s degree in management studies from the Mumbai University. He has wide experience in the banking field and was previously associated with Royal Bank of Scotland. He has been associated with our Bank since March 3, 2014 and is inter alia, responsible for managing segments and products for branch and business banking. The scope of his responsibilities include liabilities and fee based products and services, third party products including bancassurance wealth, digital and direct channels strategy and initiatives, our Bank's high net worth client program (‘Insignia’), analytics & campaign management, product and sales support for delivery of trade, and foreign exchange and cash management services for the client segment.

Surinder Chawla

Mr. Surinder Chawla is Head - Geography, Business and Branch Banking of the Company. He holds a bachelor’s degree in commerce from University of Delhi and is a chartered accountant and has wide experience in the financial sector. He was previously associated with Standard Chartered Bank, ABN Amro Bank and HDFC Bank. He has been associated with our Bank since May 28, 2013, and is responsible for building a strong retail franchise which includes developing distribution networks, building the liabilities book with a specific focus on increasing the CASA base, and increasing our Bank’s market share.

Rajeev Dewal

Mr. Rajeev Dewal is Head - Legal of the Company. He holds bachelor’s degrees in science and law from the University of Bombay. He is also a certified associate of the Indian Institute of Bankers. He has been associated with our Bank since October 18, 2014 and is responsible for overseeing the legal affairs of our Bank.

Andrew Gracias

Mr. Andrew Gracias is Head - Financial Markets of the Company. He holds a bachelor’s degree in commerce from the Mumbai University and is a chartered accountant. He has about 19 years of experience in the banking field and was previously associated with Bank of America and UBS. He has been associated with our Bank since June 1, 2012. As our Head – Financial Markets, Mr. Gracias is responsible for our financial markets business which includes fixed income trading, foreign exchange trading, asset liability management.

Amareesh Gulati

Mr. Amareesh Gulati is Head - Transaction Banking and Payment Services of the Company. He holds a bachelor’s degree in mechanical engineering from Delhi University and a post graduate diploma in management from the Indian Institute of Management, Bangalore. Previously, he was associated with DCM Toyota Limited and ANZ Grindlays Bank. He has been associated with our Bank since December 30, 2014 and is responsible for building business in the areas of cash, trade and payments including coverage and products.

R Gurumurthy

Mr. R. Gurumurthy is Head – Risk and Governance of the Company. He holds a bachelor’s degree in commerce from the Delhi University and is a certified associate of the Indian Institute of Bankers. He has about 30 years of experience in the banking sector and was previously associated with Standard Chartered Bank, Bank of America, Credit Lyonnais and State Bank of India. He has been associated with our Bank since July 16, 2011. As the Head- Risk & Governance of our Bank, he is responsible for managing the quality of our Bank’s credit portfolio, market risks, operational risks and ensuring the implementation of our Bank’s risk framework.

Brijesh Mehra

Mr. Brijesh Mehra is Head - Corporate and Institutional Banking and Transaction Banking of the Company. He holds a bachelor’s degree in commerce from the Delhi University and a post-graduate diploma in management from the Indian Institute of Management, Ahmedabad. He has more than three decades of experience in the banking sector in India. He was previously associated with the Royal Bank of Scotland N.V. (formerly, ABN Amro N.V.) as well as with Grindlays Bank Public Limited Company. He has been associated with our Bank since June 20, 2016. As the Head - Corporate and Institutional and Transaction Banking, he leads the group that provides relationship coverage for large corporates, public sector undertakings and financial institutions. He was not paid any remuneration in fiscal 2016.

Neeta Mukerji

Ms. Neeta Mukerji is Chief Credit Officer of the Company. She holds a bachelors degree (honours) in Economics from Lady Shri Ram College, Delhi University and a post graduate diploma in management from the Indian Institute of Management, Kolkata. She has more than 25 years of experience in the banking and financial services sector and has previously worked with GE Capital Services India, Asset Reconstruction Company (India) Limited and ICICI Bank Limited. Ms. Mukerji has been associated with our Bank since September 23, 2015. As our Chief Credit Officer, she is responsible for managing the quality of the Bank's credit portfolio and the recovery and management of the stressed assets portfolio.

Manoj Rawat

Mr. Manoj Rawat is Head - Agri Business of the Company. He holds a bachelor’s degree in technology (civil engineering) from the Govind Ballabh Pant University of Agriculture & Technology, Pantnagar, a master’s degree in engineering from Punjab University, Chandigarh, a master’s degree in business administration from Indira Gandhi National Open University, and is a certified associate of the Indian Institute of Banking and Finance. He has wide experience in rural business development, agriculture banking, financial inclusion and priority sector lending. Previously, he was associated with the National Bank for Agriculture and Rural Development (NABARD) and with Fullerton India. He has been associated with our Bank since July 9, 2012. Mr. Rawat is responsible for agricultural banking which includes managing retail agriculture finance, farmer finance, corporate and value chain finance, and warehouse, cold chain, renewable energy and commodity finance.

Sanjay Sharma

Mr. Sanjay Sharma is Head - Technology, Innovation and Customer Fulfilment of the Company. He holds a bachelor’s degree in science from Bhopal University, a master’s degree in applied physics from the Devi Ahilya Vishwavidyalaya, Indore. He has experience in technology in the banking field and was previously associated with IDBI Intech, a technology company operating in the banking and finance sector as its managing director & chief executive officer. Mr. Sharma was also a member of a working group of the RBI to draft guidelines pertaining to information security, electronic banking, technology risk management and cyber fraud. He was also instrumental in the conceptualization of the ‘RuPay card’. Mr. Sharma was awarded the ‘outstanding achiever of the year 2007’ award by the Indian Bankers Association for his achievements in banking technology. He has been associated with our Bank since July 2, 2013, and is responsible for developing a technology strategy and an information technology vision in accordance with our business strategy by driving innovation across channels and products.

Sandeep Thapliyal

Mr. Sandeep Thapliyal is Head - Commercial Banking of the Company. He holds a bachelor’s degree in business studies from Delhi University and a postgraduate program in management from the Management Development Institute, Gurgaon. He has wide experience in commercial banking and investment banking. Prior to joining our Bank, he was associated with Citibank’s commercial banking division for over 10 years. Immediately prior to joining our Bank, he was also associated with Religare Capital Market Limited as the managing director of its investment banking division. He has been associated with our Bank since April 22, 2013. As the Head – Commercial Banking of our Bank, Mr. Thapliyal is responsible for the coverage of the Bank’s commercial banking business, including undertaking credit evaluation of our commercial banking clients.

Harjeet Toor

Mr. Harjeet Toor is Business Head - Micro banking, Credit Cards, Retail & MSME Lending of the Company. He holds a bachelor’s degree in mechanical engineering from Thapar Institute of Engineering and Technology, Patiala and a master’s degree in business administration from the University of Delhi. He has about 21 years of experience in the banking & financial sector and was previously associated with Bank of America, ABN AMRO Bank and Fullerton India Credit Company Limited. Till 2012, Mr. Toor was also the executive director and promoter of FAB Advisors and Mentors Private Limited. He has been associated with our Bank since December 5, 2013. Mr. Toor is responsible for establishing a client acquisition programme by addressing the financial needs of both the business and individual segments, and building a stable and profitable asset portfolio with attractive returns.

Bhavtaran Uberai

Mr. Bhavtaran Singh (Sunny) Uberai is Chief of Staff and Head- Change Management and Service Delivery of the Company. He holds a bachelor’s degree in commerce from Shri Ram College of Commerce, New Delhi. He is a chartered accountant. He has wide experience in the banking sector. He was previously associated with ABN Amro Bank and Arete Financial Partners, Singapore. He has been with our Bank since June 2, 2014. He is responsible for building a service strategy to enhance client focus and driving our change management agenda.

Ishan Raina

Mr. Ishan Raina is Additional Director of the Company. He holds a bachelor’s degree in commerce (honours) from the University of Delhi, a diploma in international law and diplomacy from the Indian Academy of International Law and Diplomacy and a post graduate diploma in management from the Indian Institute of Management, Calcutta. He is currently an advanced leadership fellow at Harvard University, Cambridge, USA. . He was associated with Out-of-Home Media (India) Private Limited as its managing director and chief executive officer as well as with Euro RSCG Advertising Private Limited as its managing director. Mr. Raina started his advertising career as an executive with Lintas India Limited and was subsequently Executive Director of Contract Advertising (India) Limited. Mr. Raina has over three decades of experience in the field of advertising, branding, and media. Mr. Raina has been a Director of our Bank since April 30, 2016 and a member of the Customer Service, Branding and Marketing Committee, Human Resource and Remuneration Committee and the CSR Committee of our Bank.

Vijay Mahajan

Mr. Vijay Mahajan serves as Non-Executive Director of the Company. He began working in rural livelihood promotion in 1981 with a Gandhian NGO in Bihar. In 1983, he founded PRADAN, an NGO which motivated young professionals to work at the grassroots to promote livelihoods of the poor. Moving on in 1991, he carried out two field-research studies, one on India’s rural non-farm sector and the other on financial services for the rural poor and women in India, both published internationally. Based on these, Vijay founded Basix which has since 1996, supported three million poor households through microfinance and livelihood promotion services. In the wake of the Andhra Pradesh microfinance crisis, he went on an 80 day Shodh-Yatra, a blog on which can be accessed at https://vijaymahajan.wordpress.com Vijay is a Distinguished Alumnus of IIT, Delhi and IIM, Ahmedabad and Fellow of the Woodrow Wilson School of Public and International Affairs, Princeton University, USA. He was named among “60 outstanding social entrepreneurs of the world” at the World Economic Forum, Davos in 2003 and has been to Davos several times after that. He served on policy forums including the Rajasthan Mission on Livelihoods, 2005-07, the Rangarajan Committee on Financial Inclusion 2007-08, the Raghuram Rajan Committee on Financial Sector Reforms 2008-09, and as Chair of the World Bank hosted Consultative Group to Assist the Poor (CGAP), 2012-13. Vijay retired from Basix in Oct 2016 and began the new phase by spending a month in residence at the Rockefeller Centre, Bellagio, in northern Italy, reflecting and writing on “Building an Economy of Nurturance”.

Rama Bijapurkar

Ms. Rama Bijapurkar is Independent Director of the Company. She holds a bachelor’s degree in physics (honours) from the Delhi University, and a post graduate diploma in management from Indian Institute of Management, Ahmedabad. Ms. Bijapurkar has wide experience in the field of market research, market strategy and management consulting and presently manages her own consultancy practice. She has been a director in several companies in the financial services sector and is also a member of the governing council of the Banking Codes and Standards Board of India, the Insurance Information Bureau of India, and a member of the eminent person advisory group of the Competition Commission of India. Ms. Bijapurkar is a visiting faculty at the Indian Institute of Management, Ahmedabad and a well known business author having authored books on India’s consumer economy and business strategy. Ms. Bijapurkar has been a Director of our Bank since March 27, 2014 and is a member of the Nomination Committee and Stakeholders’ Relations Committee of our Bank.

Sivanandhan Dhanushkodi

Mr. Sivanandhan Dhanushkodi is Independent Director of the Company. He holds a master’s degree in economics from the University of Madras. He was previously the director general of police of the State of Maharashtra and is currently a part time security advisor to the Reserve Bank of India. Mr. Sivanandhan has been a Director of our Bank since December 18, 2012 and is a member of the Audit Committee, CSR Committee, Nomination Committee, Anti- Fraud Committee, Customer Service, Branding and Marketing Committee and IT Strategy Committee of our Bank.

Jairaj Purandare

Mr. Jairaj Manohar Purandare is Independent Director of the Company. He holds a bachelor’s degree in science from the University of Mumbai and is a chartered accountant. He has about 33 years of experience in the financial services and taxation. Mr. Purandare is the chairman of JMP Advisors Private Limited, a consulting and tax services provider. Previously, he was associated with Pricewaterhouse Coopers Private Limited as a regional managing partner, a member of the India leadership team, and markets and industries leader. Mr. Purandare was earlier chairman of Ernst & Young India and country head of tax and regulatory practice of Arthur Andersen and Co in India. Mr. Purandare has been a Director of our Bank since September 16, 2011 and is a member of the Audit Committee, Human Resource and Remuneration Committee, CSR Committee, Board Investment and Credit Committee and IT Strategy Committee of our Bank.

Palepu Rao

Mr. Palepu Sudhir Rao is Independent Director of the Company. He is a chartered accountant and has about 31 years of experience in the financial services sector. Mr. Rao is a founder of IndusAge Advisors Limited, an enterprise development advisory services organization. Mr. Rao was also one of the first directors of Karvy Investor Services Limited and was also a director on the board of Bank of Punjab Limited. Mr. Rao is currently associated with a number of corporates in India, including as a director on the board of Aditya Birla Money Limited and Radhakrishna Foodland Private Limited. Mr. Rao has been a Director of our Bank since January 30, 2012 and is a member of the Risk Management Committee, Human Resource and Remuneration Committee, Nomination Committee, Capital Raising Committee, Board Investment and Credit Committee and IT Strategy Committee of our Bank.