Investor Presentaiton
Other
Provisions
NPA Provision
Company
Overview
Business
Overview
Sub Standard Assets
Doubtful Assets
(Up to one year)
Doubtful Assets
(One to three years)
Doubtful Assets
Asset Classification
(More than three years)
Loss Assets
Secured
Unsecured
Secured
Unsecured
Earnings
Prudential Provisioning Policy
Digital
Penetration
Strategy
RBI Norms
Our Norms
15%
25%
25%
50%
25%
40%
100%
100%
Secured (1st Year)
40%
60%
Secured (2nd Year)
40%
100%
Prudential Provisions
Amount in Cr
Unsecured
100%
100%
NPA Provision
89
Secured/Unsecured
100%
100%
COVID related Std asset provision
31
100%
100%
Others (Fraud,SR etc)
24
Accounting Treatment
Total
144
After Tax Impact
108
Provisions for Fraud
Provisions for COVID 19 Relief
accounts
Provisions for Security Receipts
Secured/Unsecured
RBI Norms
P&L charge can be amortised
over 4 quarters
⚫5% in Q4 FY20
⚫5% in Q1 FY21
Depreciation can be netted
Charged to P&L in the first quarter
itself
•
•
Provided as per RBI Norms
Additional provision in Q1 FY21
Appreciation of individual scrips not
with appreciation of individual netted
scrips in the same category
CSB Bank Investor Presentation Q1 FY21
CSB Bank
Formerly The Catholic Syrian Bank Ltd.View entire presentation