Investor Presentaiton
Company
Overview
Business
Overview
Earnings
QoQ-Profit & Loss Account
Digital
Penetration
Strategy
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
231.4
237.3
6.0
2.6%
Provision for Dep on Inv
24.0
0.5
-23.6
-97.9%
Net Interest Income
157.5
185.3
27.7
17.6%
Provision for Std Assets
4.2
43.1
38.9
926.2%
Treasury Profit
Other Provisions
0.2
0.2
13.3
43.5
30.2
227.4%
Total Provisions
84.3
57.5
-26.8
-31.8%
Commission Income
10.7
5.6
-5.1 -47.5%
Profit Before Tax
22.7
71.5
48.9
215.4%
Processing Fees
13.6
6.5
-7.1
-52.2%
Tax
82.4
18.0
-64.3
-78.2%
Bad debts recovered
19.6
9.7
-9.9
-50.6%
Profit/Loss (-) After Tax
-59.7
53.6
113.2
Other Income
29.4
9.0
-20.4
-69.4%
Total Non Interest Income
86.6
74.3
-12.3
-14.2%
Total Net Operating Income
244.1
259.5
15.4
6.3%
Staff Cost
79.0
86.0
7.1
Other Opex
58.2
44.4
-13.8
Total Opex
137.1
130.4
Operating Profit/Loss
107
129.1
-6.7
22.1
9.0%
-23.6%
-4.9%
20.7%
ā Operating profit up by 21%
Net Interest Income grows by 18%
Other opex contained by 24%
PBT grows by 215 % even after making extra Covid related provisions totaling Rs 42.6 Crore
(included in provision for standard assets)
Highest quarterly PAT of Rs 53.6Cr
CSB Bank Investor Presentation Q1 FY21
CSB Bank
Formerly The Catholic Syrian Bank Ltd.View entire presentation