Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q3 FY20 Earnings Presentation
14 slides from Csb Bank's earnings presentation, Feb 4, 2020
Slide 1: Cover letter to stock exchanges
B&S / 620 /2020 February 04, 2020 BSE Limited, National Stock Exchange of India Ltd., Phiroze Jeejeebhoy Towers, Exchange plaza, 5th floor, Dalal Street, Bandra-kurla Complex, Mumbai 400001. Bandra (E), Mumbai 400051. Scrip code: 542867 Symbol: CSBBANK Dear Sir/Madam, Presentation to Investors/Analy
Slide 2: Investor Presentation Q3 FY 20
Investor Presentation Q3 FY 20
Slide 3: Performance Highlights
Performance Highlights Net Interest Income increases 36% YoY (9M period) and 6% QoQ (3M period) Operating Profit increases 237% YoY (9M period) and 10% QoQ (3M period) Net Profit of Rs 72.4 cr in 9M FY 20 vs. Net Loss of Rs 46.8 cr in 9 M FY 19. QoQ Net Profit increases by 14% (from Rs 24.7 cr to Rs
Slide 4: Profit & Loss Account - 9M FY 20
Profit & Loss Account - 9M FY 20 Rs Cr 9 M FY 20 9 M FY 19 YoY (%) Net Interest Income 434.7 319.5 36% Other Income 135.0 90.0 50% Revenue 569.8 409.5 39% Staff Cost 252.3 234.2 8% Other Opex 143.9 123.8 16% Total Opex 396.2 358.0 11% Operating Profit 173.6 51.5 237% Provision for NPA 65.1 95.1 -32%
Slide 5: Profit & Loss Account - Q3 FY 20
Profit & Loss Account - Q3 FY 20 Rs Cr Q3 FY 20 Q3 FY 19 YoY (%) Q2 FY 20 QoQ (%) Net Interest Income 155.2 118.3 31% 147.1 6% Other Income 50.6 51.3 -1% 54.2 -7% Revenue 205.8 169.6 21% 201.3 2% Staff Cost 84.2 83.1 1% 91.6 -8% Other Opex 51.7 43.5 19% 46.2 12% Total Opex 135.8 126.6 7% 137.8 -1% O
Slide 6: Balance Sheet
Balance Sheet Rs Cr 31.12.2019 31.12.2018 YoY (%) 30.09.2019 QoQ (%) Liabilities Capital 173.5 86.0 102% 172.3 1% Reserves & Surplus 1846.8 1,217.2 52% 1,795.9 3% Deposits 15241.1 14,863.0 3% 15,509.8 -2% Of Which CASA 4353.2 4,103.6 6% 4,371.9 0% Borrowings 100.0 1,195.1 -92% 0.0 Other Liabilities
Slide 7: Key Financial Indicators
Key Financial Indicators Q3 FY 20 Q3 FY 19 Q2 FY 20 Cost of Deposits 5.9% 5.8% 5.9% Yield on Advances 10.7% 9.9% 10.3% CASA Mix 28.6% 27.6% 28.2% Credit Deposit Ratio 70.9% 67.0% 72.8% Net Interest Margin 3.4% 2.6% 3.1% Net NPA 2.0% 3.7% 2.0% Provisioning Coverage Ratio 80.3% 66.2% 79.5% Return on A
Slide 8: Loan Mix
Loan Mix 31.12.2019 30.09.2019
Slide 9: External Rating
External Rating 31.12.2019 30.09.2019 1% 0% 1% 1% 13% 11% 24% 21% 20% 22% 20% 29% 17% 20% AAA AA A BBB BB B D AAA AA A BBB BB B D ~75% of Exposures above Rs 5 crore are externally rated
Slide 10: Asset Quality
Asset Quality Gross NPA% 8.00% 7.52% Gross NPA: Movement (Rs cr) 7.00% 6.00% 31.12.2019 31.12.2018 30.09.2019 30.06.2019 5.00% (3 months) (3 months (3 months) (3 months) 4.00% 3.22% Opening Balance of Gross NPA 326.2 795.6 513.4 530.6 3.00% 2.86% Additions 52.7 31.5 60.7 32.0 2.00% Sub-total (A) 378
Slide 11: Footprint
Footprint No of branches % Share in CASA 10% 4% 8% 4% 10% 14% 9% 63% 14% 64% Kerala Tamil Nadu Maharashtra Karnataka Others Kerala Tamil Nadu Maharashtra Karnataka Others % Share in Gold Loans 12% 10% 44% 6% 28% Kerala Tamil Nadu Maharashtra Karnataka Others
Slide 12: Shareholding Pattern
Shareholding Pattern 2.88% 49.73% 47.39% Promoter & Promoter Group Public Employee Trust
Slide 13: Thank You…
S CSB Bank Formerly The Catholic Syrian
Slide 14: Disclaimer
Disclaimer This presentation has been prepared by CSB Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No informa