Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q1 FY2021 Earnings Presentation
29 slides from Csb Bank's earnings presentation, Aug 19, 2020
Slide 1: Cover letter to BSE and NSE on Q1 results
B&S/135/2020 August 19, 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, Press Release and Presentation to In
Slide 2: CSB Bank Q1FY21 Results – Well on Track
PRESS RELEASE CSB Bank Q1FY21 Results – Well on Track The Board of Directors of CSB Bank took on record the financial results for the quarter ended 30.06.2020 (Q1 FY 2021) which were subject to limited review in their meeting dated 19.08.2020 Highlights a) Bank’s Profit After Tax at historical high
Slide 3: Performance Highlights
h) Capital Adequacy Ratio improves from 16.88% as on 30.06.2019 to 18.93% as on 30.06.2020. The reduction in CRAR from March level of 22.46% is on account of the increased Non SLR & AFS portfolios. Leverage Ratio improves from 6.62% as on 30.06.2019 to 8.17% as on 30.06.2020. i) Comfortable Liquidit
Slide 4: CEO Speak
CEO Speak: Speaking about the performance Mr.C VR Rajendran, Managing Director & CEO said “The results of the first quarter of FY 21 underlines the fact that the bank is now well entrenched in earnings growth path despite testing times. Rs 54 crore Net Profit is the highest quarterly profit declared
Slide 5: CSB Bank Investor Presentation Q1 FY21
CSB Bank Investor Presentation Q1 FY 21
Slide 6: Business Overview
Company Business Digital Earnings Strategy Overview Overview Penetration Key Information • Will be a century young Total provisions down Comfortable Well by Rs Asset 167Cr (53%) YoY by November 2020 Improved Cost and Profitability Revenue Provision Capitalised & (12M Period) Quality • 413 Branches &
Slide 7: NPA Provision and Provisions
Company Business Digital Earnings Strategy Overview Overview Penetration Prudential Provisioning Policy Asset Classification RBI Norms Our Norms Secured 15% 25% Sub Standard Assets Unsecured 25% 50% NPA Provision Doubtful Assets Secured 25% 40% (Up to one year) Unsecured 100% 100% Secured (1st Year)
Slide 8: Operating Profit and Net Profit Trends
Company Business Digital Earnings Strategy Overview Overview Penetration Amt in Cr Operating Profit QoQ Net Profit QoQ 129 107 67 70 54 20 25 28 *27 37 Q1 FY20 Q2 FY20 Q3 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 -60 *Ex Tax effect Operating Profit YoY Net Profit YoY 281 *100 152 FY 16 2
Slide 9: Branch Distribution, CASA and Gold Loans
Company Business Digital Earnings Strategy Overview Overview Penetration Branch Distribution CASA Gold Loans State % distribution KERALA 63% TAMIL NADU 14% MAHARASHTRA 8% 1(1) Q1 Q1 3(2) KARNATAKA 4% FY FY OTHERS 11% 21 21 2(2) 6(4) 4(4) 4(4) 6(4) 1(1) 2(1) Total Deposits Total Advances 1(1) 1(1) 33
Slide 10: Share Holding Pattern
Company Business Digital Earnings Strategy Overview Overview Penetration Share Holding Pattern % of Share Holding Category No of Shareholders No of Shares Held(in Mio) % of Holding FIHM(Promoter) 1 86.26 49.73 Mutual Funds 4 9.45 5.45 Alternate Investment Funds 1 3.27 1.89 36.70% Foreign Portfolio I
Slide 11: Solid CRAR & Adequate Liquidity – Our Strength
Company Business Digital Earnings Strategy Overview Overview Penetration Solid CRAR & Adequate Liquidity – Our Strength Amt in Cr Capital Adequacy Ratio RWA to Total Assets 22.77% 23.00% 22.46% 25.00% 16.88% 18.93% 42% 42% 42% 47% 20.00% 50% 41% 15.00% 40% 25.00% 20.00% 30% 10.00% 15.00% 10.00% 5.00
Slide 12: Deposits, Cost of Deposits and CASA Ratio
Company Business Digital Earnings Strategy Overview Overview Penetration Total Deposits (Amt in Cr) Cost of Deposits CASA Ratio Amt in Cr 8% YoY 3% QoQ 6.87% 6.89% 6.88% 6.91% 6.64% 29.23% 29.17% 16338 15197 15510 15241 15791 5.91% 5.91% 5.91% 5.86% 28.56% 5.48% 11562 11184 11138 10888 28.19% 10925
Slide 13: Gross Advances, Yield on Advances and CD Ratio
Company Business Digital Earnings Strategy Overview Overview Penetration Total Gross Advances + Non SLR Bonds (Amt in Cr) Yield on Advances CD Ratio Amt in Cr 13% YoY 6% QoQ 11863 12537 13291 10.86% 78.36% 76.63% 77.52% 11759 12391 75.45% 74.05% 237 297 1193 10.72% 10.74% 293 183 10.33% 10.22% 12240
Slide 14: Advance Mix
Company Business Digital Earnings Strategy Overview Overview Penetration Advance Mix (Amt in Cr) Q1 FY 20 Q1 FY 21 0.3% 3004 Gold Loans 3849 28.1% 8.1% 2.7% 1.4% 6.4% 5.8% 2290 SME Loans 2296 0.3% 0.7% 0.3% 26.2% 317 MSME Loans 257 19.0% 9.4% 31.8% 2884 Corporate Loans 3204 11.1% 11.4% 1306 Retail L
Slide 15: YoY Profit & Loss Account
Company Business Digital Earnings Strategy Overview Overview Penetration YoY -Profit & Loss Account Amt in Cr Q1FY20 Q1FY21 YoY % of Growth Q1FY20 Q1FY21 YoY % of Growth Operating Profit 40.1 129.1 89.0 221.9% Interest Income 355.4 422.6 67.2 18.9% Provision for NPA 9.9 13.8 3.9 39.4% Interest Expen
Slide 16: QoQ Profit & Loss Account
Company Business Digital Earnings Strategy Overview Overview Penetration QoQ -Profit & Loss Account Amt in Cr Q4FY20 Q1FY21 QoQ % Growth Q4FY20 Q1FY21 QoQ % Growth Operating Profit 107.0 129.1 22.1 20.7% Interest Income 388.9 422.6 33.7 8.7% Provision for NPA 56.0 13.8 -42.3 -75.4% Interest Expense
Slide 17: Balance Sheet – Q1 FY21
Company Business Digital Earnings Strategy Overview Overview Penetration Balance Sheet – Q1 FY 21 Amt in Cr 30.06.2019 30.06.2020 YoY (%) 31.03.2020 QoQ (%) Liabilities Capital 86.0 173.5 101.7% 173.5 0.0% Share Warrant 651.3 -100.0% - - Reserves & Surplus 713.9 1,840.7 157.8% 1,787.20 3.0% Deposits
Slide 18: Asset Quality
Company Business Digital Earnings Strategy Overview Overview Penetration Asset Quality Amt in Cr QoQ movement Q1 FY20 Q2 FY20 Q3FY20 Q4 FY20 Q1 FY21 Gross NPA: Movement (3 months) (3 months) (3 months) (3 months (3 months) Opening Balance of Gross NPA 530.6 513.4 326.2 352.6 409.4 Additions 32.0 60.
Slide 19: Profitability Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Profitability Ratios Amt in Cr Net Interest Income NIM (Annualised) Non interest Income to Total Income 40% YoY 17% QoQ 4.06% 18.2% 185 3.87% 14.9% 3.69% 3.73% 12.6% 147 155 158 11.5% 132 3.45% 7.8% Q1 FY20 Q2 FY20 Q3 FY20 Q4 F
Slide 20: Asset Quality Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Asset Quality Ratios Amt in Cr 2.04% 4.71% 1.96% 1.98% 1.91% 1.74% 3.22% 3.54% 3.51% 2.86% 513 217 222 214 217 409 401 195 326 353 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Provision Covera
Slide 21: Share Holders Return, Risk and Efficiency Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Share Holders Return & Risk Ratios Amt in Cr EPS (Annualised) Net NPA to Net worth RoE (Annualised) 9.10 12.35 6.96 6.52 22% 11.80% *6.06 14% 13% 13% 6.09% 6.37% 6.13% 12% *5.74% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20
Slide 22: COVID - Status
Company Business Digital Earnings Strategy Overview Overview Penetration COVID 19 - Status Moratorium details as on 30.06.2020 Rs 2228 Cr Rs 689 Cr Rs 859 Cr Rs 680 Cr 18% 13% 20% 27% SME Retail Total WSB 73% Portfolio 80% 87% 82% Rs 1864 Cr Rs 3448 Cr Rs 5239 Cr Rs 9870 Cr WSB includes Corporate lo
Slide 23: Digital Touch Points
Company Business Digital Earnings Strategy Overview Overview Penetration Digital Touch Points 2.5 lacs+ Net 306 ATM 1,891 Installations 6.20 lacs + Debit Cards Banking users Network 1,409+ QR 58,228+ ePassbook 78,288+Prepaid 1.20 lac+ UPI Installations Downloads Cards Downloads 2.20 lacs+ Mobile Ban
Slide 24: Channel Transactions: Digital vs Branch
Company Business Digital Earnings Strategy Overview Overview Penetration Channel transactions Digital vs Branch 47 No. of txns 27 28 Q1 FY 20 Q 1 FY 21 35 (In lakh) (In lakh) 20 28 Mobile Banking 1 2 19 15 20 Internet Banking 3 3 12 Debit Cards 19 15 UPI 12 27 2 3 3 1 Branch txns 28 20 Q1 FY 20 Q1 F
Slide 25: CSB Mobile+ App and Upcoming Digital Projects
Company Business Digital Earnings Strategy Overview Overview Penetration CSB Mobile+ App - Way to Go Digital Upcoming Digital Projects Mobile Banking signups 211462 Loyalty Rewards 200355 CSB E-Tax Filing program for customers 143862 87218 Chatbot in Mobile App Tap & Pay Cards (Contactless) 43311 FA
Slide 26: Our aims and how we will achieve them
Company Business Digital Earnings Strategy Overview Overview Penetration We aim to - deliver long term value for the shareholders, - grow with the aspirations of our customers, - provide employees with a meritocratic work environment, - meet the regulatory expectations. Through -expanding our footpr
Slide 27: Verticalisation, PMS, Rewards, Upskilling
Company Business Digital Earnings Strategy Overview Overview Penetration • Verticalisation • PMS • Rewards & Recognition • Upskilling • Process Simplification CSB Bank Investor Presentation Q1 FY21
Slide 28: Thank You
Thank You… CSB Bank Investor Presentation Q1 FY21
Slide 29: 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