2019 2018 2017

Return on Equity -17.01

Return on Asset -1.13
Avg Total Avg Total
Equity Multiplier 14.12542 Equity 11603626.5 Asset
Assets Utilization:

Int Income
to total
Income Management 9.05 asset 8.22
Cost Management:
Total
Expence Ratio 0.10255 Expence 16808523

Productivity Ratio -6.64 Total Profit -5139586

Burden to total asset 2.6
Efficiency Ratio
 163906046.5

Non-int income
to total asset 0.83
 DUPONT ANALYSIS

Particulars 2019-2018 2018-2017 2017-2016

Return on equity -17.01 -10.32 0.16 -16.81

Return on Assets -1.13 -0.59 0.01 -0.92
Average total equity 11603636.50 9441944.50 9460746.50
Average total assets 163906046.50 160466437.50 159375888.50
Equity Multiplier 14.13 17.00 16.85
Intrest income to total asset 8.22 8.08 8.38
Non interest income to total asset 0.83 0.78 1.76
Income management 9.05 8.86 10.14
Total expense 16808523.00 15196954.00 16159417.00
Average total assets 163906046.50 160466437.50 159375888.50
Expense ratio 0.10 0.09 0.10
Non interest expenses 7732914.00 6076949.00 5932482.00
Interest expenses 9075609.00 9120005.00 10226935.00
Total income 14834331.00 14222261.00 16174962.00
Efficiency Ratio -0.09 -0.21 -0.27
Business per employee 775.35
Productivity ratios -6.64 -3.45 0.06 -5.23
Burden to total assets 2.60 1.93 1.02 2.08
S
 NPA Analysis
Particulars 2019-2018 2018-2017 2017-2016

Standarad assets 217.73 216.12 215.26

Gross NPA'S 530.62 764.13 600.10
Total or Gross Advances 748.35 980.25 815.36

Gross NPA'S 530.62 764.13 600.10

Gross advances 748.35 980.25 815.36

Provisions held for NPA's 286.42 344.64 148.70
Net advances 461.93 635.61 666.66

Gross NPA ratio 4.90 7.89 7.25

Net NPA ratio 2.27 4.26 5.51 4.40

Gross NPA 530.62 764.13 600.10

Provision held for NPA 286.42 344.64 148.70
Net NPA 244.20 419.49 451.40

Provision held for NPA 286.42 344.64 148.70

Gross NPA 530.62 764.13 600.10
Provision Coverage ratio 0.54 0.45 0.25

NPA'S covered during the year 310.73 225.74 152.50

Gross NPA'S at the beginning of the year 764.13 600.10 446.91
Recovery ratio 0.41 0.38 0.34

Fresh accreations to NPA's during the year 197.45 281.16 367.00

Standard assets at the beginning of the year 216.12 215.26 215.09
Slippage ratio 0.91 1.31 1.71

NPA written off during the year 334.02 21.53 152.48

Gross NPA'S at the beginning of the year 764.13 600.10 446.91
Write off ratio 0.44 0.04 0.34
* all those values which does not show any formula
were got directly from the annual reports of CSB
 SPREAD ANALYSIS

Particulars 2019-2018 2018-2017 2017-2016

Return on advances 9.71 10.46 11.03

return on investments 8.53 6.81 7.02
Return on funds 18.24 17.27 18.05

Cost of borrowings 218.82 35.27 44.37

Cost of funds 6.08 6.14 6.95 7.99

Spread 12.16 11.13 11.10

Return on advances 10% 10% 11% 12.14%

Return on investments 9% 7% 7% 7.58%

Interest paid on deposits 8618266.00 8972592.00 10041467.00

Average deposits 149072611.00 148011058.00 146749836.00
Cost of deposits 0.06 0.06 0.07

Interest paid on borrowings 314878.00 49305.00 92726.00

Average borrowings 209000.00 418000.00 2299000.00
Cost on borrowings 1.51 0.12 0.04

Interest income 13475154.00 12968059.00 13362949.00

Interest expended 9075609.00 9120005.00 10226935.00
Net interest income 4399545.00 3848054.00 3136014.00

Net interest income 4399545.00 3848054.00 3136014.00

Average total assets 163906046.50 160466437.50 159375888.50
Net interest margin 2.68 2.40 1.97
Particulars 2019-2018 2018-2017 2017-2016

Return on equity -17.01 -10.32 0.16

Return on Assets -1.13 -0.59 0.01
Average total equity 4091626000.00 9441944500.00 9460746500.00
Average total assets 163456046500.00 160466437500.00 159375888500.00
Equity Multiplier 39.95 17.00 16.85
Intrest income to total asset 8.22 8.08 8.38
Non interest income to total asset 0.83 0.78 1.76
Income management 9.05 8.86 10.14
Total expense 16808523000.00 15196954000.00 16159417000.00
Average total assets 163456046500.00 160466437500.00 159375888500.00
Expense ratio 0.10 0.09 0.10
Non interest expenses 7732914000.00 6076949000.00 5932482000.00
Interest expenses 9075609000.00 9120005000.00 10226935000.00
Total income 14834331000.00 14222261000.00 16174962000.00
Efficiency Ratio -0.09 -0.21 -0.27
Business per employee 858.70 851.23 859.28
Productivity ratios -6.64 -3.45 0.06
Burden to total assets 2.60 1.93 1.02
 DUPONT ANALYS

2016-2015 2015-2014

-16.81 -6.41
-0.92 -0.34
8906425500 8292594500
15705827000 1.55389E+11
1.7634265284 18.73829807
9.44 10.21
2.06 1.53
11.5 11.74
17372908000 17250607000
15705827000 1.55389E+11
1.1061441082 0.111015548
5780193000 5364816000
11592715000 11885764000
15875664000 16718956000
-0.3661278042 -0.390033205
775.35 789.45
-5.23 -1.78
2.08 1.97
DUPONT ANALYSIS
Particulars 2019 2018 2017

Return on advances 9.71 10.46 11.03

return on investments 8.53 6.81 7.02
Return on funds 18.24 17.27 18.05

Cost of funds 6.08 6.14 6.95

Spread 12.16 11.13 11.10

Return on advances 9.71 10.46 11.03

Return on investments 8.53 6.81 7.02

Cost of deposits 5.78 6.06 6.84

Cost on borrowings 218.82 35.27 44.37

Interest income 13475154000.00 12968059000.00 13362949000.00

Interest expended 9075609000.00 9120005000.00 10226935000.00
Net interest income 4399545000.00 3848054000.00 3136014000.00

Net interest income 4399545000.00 3848054000.00 3136014000.00

Average total assets 163456046500.00 160466437500.00 159375888500.00
Net interest margin 2.69 2.40 1.97
 2016 2015

12.14 12.85
7.58 7.31
19.72 20.16

7.89 8.27

11.83 11.89

12.14 12.85

7.58 7.31

7.86 8.17

54.06 12.84

14828854000.00 15445543000.00
11592715000.00 11885764000.00
3236139000.00 3559779000.00

3236139000.00 3559779000.00
157058270000 155389107500
2.0604702955 2.2908806526
Particulars 2019-2018 2018-2017 2017-2016 2016-2015

Total or Gross Advances 10615.2373 9337.3564 8118.9338 7852.6456

Gross NPA'S 530.62 764.13 600.10 446.91

Gross advances 10615.2373 9337.3564 8118.9338 7852.6456

Provisions held for NPA's 286.42 344.64 148.70 98.13
Net advances 10328.82 8992.72 7970.23 7754.5156

Gross NPA ratio 4.90 7.89 7.25 5.62

Net NPA ratio 2.27 4.26 5.51 4.4

Gross NPA 530.62 764.13 600.10 446.91

Provision held for NPA 286.42 344.64 148.70 98.13
Net NPA 244.20 419.49 451.40 348.78

Provision held for NPA 286.42 344.64 148.70 98.13

Gross NPA 530.62 764.13 600.10 446.91
Provision Coverage ratio 0.54 0.45 0.25 0.21957441

NPA'S covered during the year 310.73 225.74 152.50 356.53

Gross NPA'S at the beginning of the year 764.13 600.10 446.91 474.81
Recovery ratio 0.41 0.38 0.34 0.75088983

Fresh accreations to NPA's during the year 197.45 281.16 367.00 403.09
Standard assets at the beginning of the year 216.12 215.26 215.09 215.0934
Slippage ratio 0.91 1.31 1.71 1.8740231

NPA written off during the year 334.02 21.53 152.48 142.34
Gross NPA'S at the beginning of the year 764.13 600.10 446.91 474.81
Write off ratio 0.44 0.04 0.34 0.29978307
2015-2014

9471.9618

474.81

9471.9618
106.02
9365.94

4.96

3.85

474.81
106.02
368.79

106.02
474.81 Values are in crores
0.22

202.39
333.55
0.61

464.76
175.1071
2.65

119.19
333.55
0.36