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Investor Presentation CSB Bank Q4 FY21

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Investor Presentation CSB Bank Q4 FY21 CSB Bank Investor Presentation Q4 FY 21 Company Business Digital Earnings Strategy Overview Overview Penetration Key Information • A century young Total provisions down Well Capitalised by Rs 167Cr (53%) YoY Organisation Growth Asset Improved Cost and & Strong (12M Period) • 514 Branches & 320 Profitability Revenue Momentum Liquidity Quality Position ATMs • 9 Zonal Offices * GNPA came down to • 1.7Mn happy customers *Posted strong NII growth *Advance grew by 27% in 2.68% as against 3.54% *Highest PAT for the 12 *Strong Capital comfort • Presence in 16 states & of 59% YoY FY 21 & 10% QoQ with a CRAR of 21.37% as on 31.03.20- down by 86 months ended 31.03.21 - on 31.03.2021 bps 4 UTs crosses double century *Non interest income up *Deposits grew by 21% in mark in the century year - by 81% –supported by * Net NPA decreased FY 21 & 8% QoQ * Tier I ratio of 19.96% • Total business of at Rs 218 Cr Treasury, PSLC income, PF, from 1.91% as on Banca/BG Commission etc 31.03.2020 to 1.17% as Over Rs 34500 Cr * In terms of overall *Strong liquidity & LCR of on 31.03.2021 business, bank has grown Increase in income out 210% • 6 bancassuance tie ups •PBT up by 118% for FY21 * a fourth of the total *PCR of 85% as on weighed the increase in business it grew in past 99 31.03.2021 with industry leaders. opex on account of years. *comfortable leverage ratio increased AS 15 provisions, 8.11% *Operating Profit surges Opening of 101 branches, *Accelerated *CASA annual growth of Provisioning Policy-25% to Rs 613 Cr with 119% conservative depreciation increase for FY 21 34% & 14% QoQ provisioning from DPD1 policy etc and 100% for 2 year * Digital Penetration default increases to 74% CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Profitability Ratios Amt in Cr Operating Profit QoQ Net Profit QoQ *80 173 182 *179 69 54 53 129 129 43 107 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 -60 Operating Profit YoY Net Profit YoY *663 *255 613 218 281 13 74 13 -98 FY18 FY19 FY20 FY21 -197 *One off expenses – Depreciation policy/As15 assumptions impact CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Surge in Profitability Net Profit movement (Rs Cr) NII Movement (Rs Cr) 84 1000 600 95 66 941 900 134 349 800 400 149 47 218 700 200 600 592 13 500 0 400 FY 20 NII TP OI SC Oopex npaPr StdP Other Tax FY 21 Pr 300 -200 -165 -31 200 -400 -60 100 -110 -3 0 FY 20 Volume Effect Cost reduction Yield increase FY 21 -600 CSB Bank Investor Presentation Q4 FY21 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% Doubtful Assets Secured 25% 50% (Up to one year) Unsecured 100% 100% Secured (1st Year) 40% 100% Doubtful Assets Secured (2nd Year) 40% 100% Prudential Provisions Amount (in Cr) (One to three years) NPA Provision NPA Unsecured 100% 100% NPA Provision 155 Doubtful Assets Additional Std asset provision 89 (More than three years) Secured/Unsecured 100% 100% SR Provision 7 Loss Assets Secured/Unsecured 100% 100% Total 251 Tax 63 RBI Norms Accounting Treatment After Tax Impact 207 •0.25% to 1% based on the • Provided as per RBI Norms nature of advance • Additional provisioning buffer Provisions for Standard Assets created in view of the COVID scenario Other Appreciation of individual scrips not Depreciation can be netted Provisions netted Provisions for Security Receipts with appreciation of individual scrips in the same category CSB Bank Investor Presentation Q3 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Branch Distribution CASA Gold Loans 8% 4% 9% State % distribution 9% 14% KERALA 52% 7% TAMIL NADU 16% 15% MAHARASHTRA 9% Q4 Q4 1(1) 3(2) KARNATAKA 6% FY FY OTHERS 17% 21 21 2(2) 11(4) 37% 33% 4(4) 4(4) 64% 8(5) 3(1) 2(1) Total Deposits Total Advances 1(1) 9% 4% 7% 1(1) 9% 12% 46 (30) 21% 7(3) 14% Q4 Q4 3(2) 31(3) Population No of Branches FY FY 33(11) Metropolitan 96 21 21 32% Urban 110 82(64) 269 Semi-urban 260 64% Rural 48 28% (175) 2(1) Legend: Branches (ATM) Grand Total 514 Kerala Tamilnadu Maharashtra Karnataka Others CSB Bank Investor Presentation Q4 FY21 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% Mutual Funds 9 13.36 7.70% Alternate Investment Funds 2 1.89 1.09% 32.81% Foreign Portfolio Investors 9 9.20 5.30% FIs / Banks /Insurance Companies 2 0.84 0.49% Shares held by CSB ESOS Trust 1 5.00 2.88% 49.72% Others 47489 56.93 32.81% Q4 TOTAL 47513 173.49 100.00% FY 21 2.88% 0.49% 5.30% 1.09% 7.70% FIHM-Promoter & Promoter Group Mutual Funds Alternate Investment Funds Foreign Portfolio Investors FIs / Banks /Insurance Companies Shares held by CSB ESOS Trust Others CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Solid CRAR & Adequate Liquidity – Our Strength Amt in Cr Capital Adequacy Ratio RWA to Total Assets 22.46% 21.02% 21.37% 19.69% 41.83% 46.74% 41.98% 40.20% 18.93% 33.81% 21.79% 19.77% 19.96% 17.93% 18.44% Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Risk Weighted Assets Liquidity Coverage Ratio 1115 1115 1115 1115 805 1115 2299 1705 916 245% 232% 234% 865 200% 167% 7907 5911 6175 6472 6610 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Credit Risk Market Risk Operaional Risk CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Total Deposits (Amt in Cr) CASA Ratio Total Gross Advances + Non SLR Bonds (Amt in Cr) 33% 32.19% 16667 21% 15357 19140 30.38% 14698 1280 17753 13291 17468 29.17% 29.23% 29.39% 12537 1302 16338 1287 15791 297 1193 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 12978 12360 12334 11562 11184 15388 Gross CD Ratio 14055 13411 12240 12098 80.40% 79.17% 77.52% 76.78% 6162 5393 5134 4776 4607 74.05% Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Total Advances Total Non SLR Bonds CASA Term Deposits Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Cost of Deposits (QoQ) Cost of Deposits (YoY) 7.07% 6.91% 6.64% 6.90% 6.39% 6.80% 5.86% 6.03% 5.93% 5.48% Term Deposits 5.18% 6.15% 4.91% 5.88% 5.91% 6.23% 4.76% Total Deposits 3.77% 3.06% 5.07% 2.62% 2.54% 2.54% Savings Accounts 4.00% 3.93% 3.89% 2.67% Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 FY18 FY19 FY20 FY21 Yield on Advances (QoQ) Yield on Advances (YoY) 10.97% 11.28% 10.56% 10.86% 10.94% 10.98% 10.42% 10.74% 9.88% Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 FY18 FY19 FY20 FY21 CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Advance Mix (Amt in Cr) Q4 FY 20 Q4 FY 21 3800 Gold Loans 6131 61.3% 1.3% 3.2% 3.7% 3.9% 4.2% 5.5% 2062 SME Loans 2239 8.6% 0.6% 1.1% 284 MSME General Loans 218 23.2% 7.8% 31.0% 39.8% 10.6% 0 MSME New Loans 71 3402 Corporate Loans 3653 7.4% 1299 Retail Loans 1201 7.5% 23.7% 78 Two Wheeler Loans 171 119.8% 27.8% 678 Assignment Loans 645 4.9% 477 492 3.1% 16.8% LCBD & TReDS 381.9% 0.5% 253.1% 1.4% 14.5% 2.3% 161 Agri & MFI Loans 567 CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Gold Loan – Our DNA (Amt in Cr) Portfolio Movements Portfolio Quality Tonnage 17.28 Weighted Yield Overall LTV 14% 61% YoY 9% QoQ 6131 5644 15.15 4949 12.67% 83% 3799 3849 3513 3367 FY 20 FY 21 3004 No of Accounts (in Lakhs) 4.92 0.69% 17.28 T 4.08 21% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 NPA % Tonnage FY 20 FY 21 CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Sector Wise Exposure Industries % to Gross advances Textiles 3.18% Sector Wise Exposure Food Processing 2.31% Construction 1.24% Petroleum (non-infra), Coal Products 33% (non-mining) and Nuclear Fuels 1.00% Services % to Gross advances Vehicles, Vehicle Parts and Transport NBFCs 10.47% Equipments 0.66% Wholesale & Retail Trade 5.05% 23% All Engineering 0.43% Tourism, Hotel and Restaurants 2.70% Chemicals and Chemical Products Commercial Real Estate 2.60% (Dyes, Paints, etc 0.33% Transport Operators 0.44% Basic Metal and Metal Products 0.32% Computer Software 0.44% 32% 12% Paper and Paper Products 0.25% Professional Services 0.19% Beverages (excluding Tea & Coffee) Other Services 10.14% and Tobacco 0.16% Wood and Wood Products 0.15% Rubber, Plastic and their Products 0.11% Gems and Jewellery 0.07% Agriculture and Allied Activities Mining and Quarrying 0.06% Industry Cement and Cement Products 0.06% Services Leather and Leather products 0.04% Retail & Others Glass & Glassware 0.01% CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Investments (Amt in Cr) Total Investments (Excl RIDF) 7800 6820 5461 5911 6250 HTM 68.0% AFS 32.0% Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Yield on Investments QoQ YoY 7.00 6.94 6.81% 6.64 6.74 6.60% M Duration 6.28 6.33% 6.41% HFT AFS HTM Total 0.00% 1.76% 5.52% 4.54% Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 FY18 FY19 FY20 FY21 CSB Bank Investor Presentation Q4 FY21 Company Business Digital Earnings Strategy Overview Overview Penetration Rating wise Exposure External Rating of Corporate Accounts (>Rs 25Cr) Internal Rating of SME accounts 0%4% 8% 7% 8% 9% 1%3% 10% 92% of Corporate advances 33% 89% of SME advances are 9% are externally rated of 34% rated as Low/Medium risk which 52% are having A & Q3 FY21 categories Q3 FY21 above rating.
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