Financial Performance Review Q1 FY21
Deposits and Liquidity - Some Recent Trends
Cost of Deposits - Decreasing Trend
Maintaining Surplus Liquidity
4,922
7,851
7,145 11,188
13,658
2,830
7.01%
6.90%
156%
158%
155%
164%
163%
6.71%
136%
6.40%
6.27%
100%
100%
100%
100%
80%
80%
June 30,
2019
September
30, 2019
December
31, 2019
March 31, June 30,
2020
June 30,
2019
2020
September December March 31, June 30, July 24,
30, 2019 31, 2019 2020
2020
2020
LCR Requirement
-LCR maintained
•
Deposits traction regains momentum in Q1
.
•
Surplus Liquidity (Rs. crore)
Total deposits have increased 7% sequentially in Q1 FY21 to Rs. 61,736 crore as of 30th June 2020,
CASA deposits grew by 8% sequentially
Average CASA was 29.3% for Q1 FY21 vs 26.4% for Q4 FY20 & 23.2% for Q1 FY20
Absolute Retail Deposits (as per LCR definition) increased by Rs. 1,000 crore sequentially in Q1 FY21.
Average Retail Deposits is 31% of total deposits for Q1 FY21.
CASA plus Retail TDs has increased marginally to 60% of total deposits as of 30th June 2020 vs. 59% as
of 31st March 2020 & 53% as of 30th June 2019
Low dependence on Certificate of Deposits; Approx. 1.2% of total deposits as of 30th June 2020 vs. 4% as
of 31st March 2020 vs. 5% as of 30st June 2019
* Retail TDs defined as term deposits which are less than Rs. 5 crore
apno ka bank | RBL Bank
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