CSB Bank Ltd. · NSE:CSBBANK
CSB Bank — Q1 FY22 Earnings Presentation
28 slides from CSB Bank's earnings presentation, July 2021
Slide 1: CSB Bank Investor Presentation Q1 FY22
CSB Bank Investor Presentation Q1 FY 22
Slide 2: Key Information and Q1 FY22 Highlights
Company Business Digital Earnings Strategy Overview Overview Penetration Key Information • A century young Total provisions down Well Capitalised by Rs 167Cr (53%) YoY Organisation Improved Cost and Growth & Strong Asset Momentum (12M Period) Quality • 517 Branches & 335 Profitability Revenue Liquid
Slide 3: Profitability Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Profitability Ratios Amt in Cr Operating Profit QoQ Net Profit QoQ 173 182 180 69 61 129 129 54 53 43 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Operating Profit YoY Net Profit YoY 180 61 12
Slide 4: NPA Provision and Prudential Provisioning Policy
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% 50% (Up to one year) Unsecured 100% 100% Prudential Provisi
Slide 5: Branch Distribution, CASA and Gold Loans
Company Business Digital Earnings Strategy Overview Overview Penetration Branch Distribution CASA Gold Loans 9% 4% State % distribution 8% 8% 13% KERALA 51% 6% TAMIL NADU 16% 16% MAHARASHTRA 10% Q1 Q1 1(1) KARNATAKA 7% 3(3) FY FY OTHERS 16% 22 22 38% 2(2) 12(4) 33% 4(4) 4(4) 63% 8(5) 3(1) 2(1) Total
Slide 6: Share Holding Pattern
Company Business Digital Earnings Strategy Overview Overview Penetration Share Holding Pattern No of Shares Category No of Shareholders % of Holding % of Share Holding Held(in Mio) FIHM - promoter & Promoter Group 1 86.26 49.72% SBI Mutual Funds 1 8.72 5.03% 30.76% Other Mutual Funds 8 6.59 3.80% Al
Slide 7: 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 21.02% 21.37% 21.63% 46.74% 19.69% 18.93% 42.80% 19.96% 20.24% 41.98% 42.11% 19.77% 18.44% 40.20% 17.93% Q1 FY21 Q2 FY21 Q3 FY2
Slide 8: Total 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 32.19% 33.09% 5.48% 30.38% 14% 29.23% 29.39% 19140 5.18% 17753 18653 4.91% 17468 4.76% 16338 4.48% 12978 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 6.64% 6.39% NR De
Slide 9: Total Gross Advances, CD Ratio and Yield on Advances
Company Business Digital Earnings Strategy Overview Overview Penetration Total Gross Advances + Non SLR Bonds (Amt in Cr) Gross CD Ratio Yield on Advances 10.98% 11.28% 10.94% 80.40% 79.68% 10.74% 10.62% 19% 79.17% 16668 15811 15357 1280 76.78% 14698 948 1302 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22
Slide 10: Advance Mix
Company Business Digital Earnings Strategy Overview Overview Penetration Advance Mix (Amt in Cr) Q1 FY 21 Q1 FY 22 1.4% 3840 Gold Loans 5627 47% 3.4% 3.7% 2.7% 0.7% 6.4% 1874 SME Loans 1959 5% 4.3% 31.7% 1.2% 304 MSME General Loans 278 9% 37.9% 10.0% 2 MSME New Loans 75 3650% 7.8% 3509 Corporate Loa
Slide 11: Gold Loan – Our DNA
Company Business Digital Earnings Strategy Overview Overview Penetration Gold Loan – Our DNA (Amt in Cr) Portfolio Movements Portfolio Quality Tonnage 16.40 Quarterly Yield 14% 47% YoY 8% QoQ Overall LTV 6131 5644 5627 14.35 4949 11.50% 77% 3799 3849 3367 3513 Q1 FY21 Q1 FY22 3004 No of Accounts (in
Slide 12: Sector Wise Exposure
Company Business Digital Earnings Strategy Overview Overview Penetration Sector Wise Exposure Sector Wise Exposure % to Gross Industries advances Textiles 3.28% Services Retail & Food Processing 2.63% 32% Infrastructure 1.81% % to Gross Others Services advances Construction 1.56% 29% Petroleum (non-
Slide 13: Investments
Company Business Digital Earnings Strategy Overview Overview Penetration Investments (Amt in Cr) Total Investments (Excl RIDF) 7800 6820 6250 5911 6165 HTM 60% AFS 40% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Yield on Investments (%) 7.00 6.94 6.64 6.74 M Duration 6.38 HFT AFS HTM Total Q1 FY21 Q2 FY
Slide 14: Rating wise Exposure
Company Business Digital Earnings Strategy Overview Overview Penetration Rating wise Exposure External Rating of Corporate Accounts (>25Cr) Internal Rating of SME accounts 7% 0% 5% 7% 8% 5% 0%5% 7% 8% 93% of Corporate advances 35% 87% of SME advances are 34% are externally rated of rated as Low/Medi
Slide 15: Profit & Loss Account - Q1 FY22
Company Business Digital Earnings Strategy Overview Overview Penetration Profit & Loss Account - Q1 FY 22 Amt in Cr Q4FY21 Q1FY22 QoQ Q1FY21 YoY Q4FY21 Q1FY22 QoQ Q1FY21 YoY 497.1 495.3 -0.4% 422.6 17.2% Operating Profit 129.0 179.8 39.4% 129.1 39.3% Interest Income Provision for NPA 90.6 104.2 15.0
Slide 16: Balance Sheet – Q1 FY22
Company Business Digital Earnings Strategy Overview Overview Penetration Balance Sheet – Q1 FY 22 Amt in Cr 30.06.2020 30.06.2021 YoY (%) 31.03.2021 QoQ (%) Liabilities Capital 173.5 173.5 0.0% 173.5 0.0% Reserves & Surplus 1,840.7 2,069.5 12.4% 2,006.7 3.1% Deposits 16,337.9 18,652.8 14.2% 19,140.0
Slide 17: Asset Quality: Gross NPA Movement
Company Business Digital Earnings Strategy Overview Overview Penetration Asset Quality Amt in Cr QoQ movement Q1FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Gross NPA: Movement (3 months) (3 months (3 months) (3 months) (3 months) Opening Balance of Gross NPA 409 401 387 235 393 Additions 6 4 - 188 435* Sub
Slide 18: Gold Loans – Asset Quality
Company Business Digital Earnings Strategy Overview Overview Penetration Gold Loans – Asset Quality Amt in Cr Slippages - MoM Trends Recovery - MoM Trends 62% 4% 5% 46% 3% 274 269 Slippage Month on Month 268 187 20% 144 Recovery Month on Month 9 Apr-21 May-21 Jun-21 Apr-21 May-21 Jun-21 Slippage Sli
Slide 19: Profitability Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Profitability Ratios Net Interest Income (in Cr) NIM(Annualised) Non interest Income to Total Income 251 276 268 19.46% 229 4.50% 5.17% 5.42% 5.14% 17.20% 18.35% 4.06% 14.90% 185 13.35% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 *
Slide 20: Asset Quality Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Asset Quality Ratios Amt in Cr 4.88% 3.21% 3.51% 3.04% 1.74% 444 2.68% 686 1.30% 1.17% 1.77% 0.68% 401 387 393 195 164 169 235 89 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Provision Coverag
Slide 21: Share Holders Return & Risk Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Share Holders Return & Risk Ratios EPS (Annualised) (in Rs) Net NPA to Networth 15.88 22.45% 14.08 12.35 12.24 11.60% 9.88 9.26% 8.92% 4.89% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 RoE (A
Slide 22: Efficiency Ratios
Company Business Digital Earnings Strategy Overview Overview Penetration Efficiency Ratios Business per Employee (Annualised) (In Cr) Profit per Employee (in Lakhs) 8.52 8.38 8.26 7.48 7.96 6.42 5.34 5.48 7.43 4.11 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Staff
Slide 23: Digital Touch Points
Company Business Digital Earnings Strategy Overview Overview Penetration Digital Touch Points 3.28 lacs+ Net 335 ATM 1,697 Installations 5.81 lacs + Debit Cards Banking users Network 2,819+ QR 71,280+ ePassbook 78,660+Prepaid 1.21 lac+ UPI Installations Downloads Cards Downloads 2.98 lacs+ Mobile Ba
Slide 24: Channel Transactions: Digital vs Branch
Company Business Digital Earnings Strategy Overview Overview Penetration Channel Transactions Amt in Lakh Digital vs Branch No. of txns 90.0 66.0 3M FY 21 3M FY 21 Mobile Banking 2.6 2.6 Internet Banking 2.8 3.6 47.9 27.5 Debit Cards 15.1 17.8 19.619.1 15.1 17.8 19.6 19.1 UPI 27.5 66.0 2.6 2.6 2.8 3
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 Users 298000 277400 • Cardless Cash Withdrawal in ATM 200355 • NETC FASTag 143862 • BBPS up-gradation in Netbanking /Mobile banking 87218 • CSB Chat B
Slide 26: Our Aims and Strategy
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: Thank You
Thank You… CSB Bank Investor Presentation Q1 FY22
Slide 28: 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