Investor Presentaiton
Company
Overview
Business
Overview
Earnings
Digital
Penetration
Strategy
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 Expense
223.0
237.3
14.4
6.4%
Provision for Dep on Inv
0.7
0.5
-0.2
-28.6%
Net Interest Income
132.5
185.3
52.8
40.0%
Provision for Std Assets
-0.7
43.1
43.7
-6257.1%
Treasury Profit
2.9
43.5
40.5
1400.0%
Other Provisions
0.1
0.2
0.1
100.0%
Commission Income
6.1
5.6
-0.5
-8.2%
Total Provisions
10.1
57.5
47.4
469.3%
Processing Fees
3.2
6.5
3.3
103.1%
Profit Before Tax
30.0
71.6
41.5
138.7%
Tax
10.5
18.0
7.5
71.4%
Bad debts recovered
7.5
9.7
2.2
29.3%
Profit/Loss (-) After Tax
19.5
53.6
34.0
174.9%
Other Income
10.5
9.0
-1.5
-14.3%
Total Non Interest Income
30.2
74.3
44.1
146.0%
Net Interest Income grows by 40% YoY
Total Net Operating Income
162.7
259.5
96.9
59.5%
Non-Interest Income increases by 146% YoY on the back of improved treasury gains
Other opex contained by 3.5%
Staff Cost
76.5
86.0
9.5
12.4%
Operating profit up by 222%
Other Opex
46.0
44.4
-1.6
Total Opex
122.6
130.4
7.9
-3.5%
6.4%
PBT grows by 138 % even after making extra Covid related provisions totaling Rs 42.6 Crore
(included in provision for standard assets)
Operating Profit/Loss
40.1
129.1
89.0
221.9%
CSB Bank Investor Presentation Q1 FY21
CSB Bank
Formerly The Catholic Syrian Bank Ltd.View entire presentation