CSB Bank, 542867, CSBBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

5,422.30
9.80
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

4,090.03
N/A
1.37

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
-
-13.58

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
113.69
7.33

PAT CAGR (%)

10 Years
5 Years
3 Years

1.86
1.62

P:E (Median)

8 Years
5 Years
3 Years

-
10.33
9.84

P:BV (Average)

8 Years
5 Years
3 Years

-
1.86
1.62

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
6.56
7.33

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 864.85 687.34 25.83% 832.02 683.49 21.73% 794.87 636.49 24.88% 761.83 592.05 28.68%
Interest Exp. 497.37 343.65 44.73% 470.05 319.48 47.13% 408.84 288.05 41.93% 379.16 242.31 56.48%
Net Interest Income 367.48 343.69 6.92% 361.97 364.01 -0.56% 386.03 348.44 10.79% 382.67 349.74 9.42%
NIM 4.30 4.84 -11.16% 4.36 5.40 -19.26% 5.04 5.38 -6.32% 5.17 5.80 -10.86%
Other Income 199.38 142.54 39.88% 171.84 119.90 43.32% 196.51 125.99 55.97% 125.34 89.90 39.42%
Total Income 1,064.23 829.88 28.24% 1,003.86 803.39 24.95% 991.38 762.48 30.02% 887.17 681.95 30.09%
Operating Exp. 366.51 311.60 17.62% 361.32 302.48 19.45% 354.54 272.55 30.08% 312.14 246.20 26.78%
Operating Profit 200.35 174.63 14.73% 172.49 181.43 -4.93% 228.00 201.88 12.94% 195.87 193.44 1.26%
Provision 13.91 -3.33 - 20.06 4.73 324.10% 21.60 -9.20 - -4.54 -14.96 -
PBT 186.44 177.96 4.77% 152.43 176.70 -13.74% 206.40 211.08 -2.22% 200.41 208.40 -3.83%
PBTM 21.56 25.89 -16.72% 18.32 25.85 -29.13% 25.97 33.16 -21.68% 26.31 35.20 -25.26%
TAX 48.03 44.79 7.23% 39.11 44.47 -12.05% 54.94 54.74 0.37% 50.44 52.45 -3.83%
PAT 138.41 133.17 3.93% 113.32 132.23 -14.30% 151.46 156.34 -3.12% 149.97 155.95 -3.83%
PATM 16.00% 19.37% 13.62% 19.35% 19.05% 24.56% 19.69% 26.34%
EPS 7.98 7.67 4.04% 6.53 7.62 -14.30% 8.73 9.01 -3.11% 8.64 8.99 -3.89%
Gross NPA 452.12 284.76 58.77% 423.99 270.66 56.65% 361.07 262.56 37.52% 278.73 271.29 2.74%
Gross NPA% 1.68 1.27 32.28% 1.69 1.27 33.07% 1.47 1.26 16.67% 1.22 1.45 -15.86%
Net NPA 183.32 72.49 152.89% 169.11 67.77 149.54% 124.90 71.82 73.91% 70.23 77.66 -9.57%
Net NPA% 0.69 0.33 109.09% 0.68 0.32 112.50% 0.51 0.35 45.71% 0.31 0.42 -26.19%
CASA 24.09 29.28 -17.73% 24.90 30.84 -19.26% 27.20 32.18 -15.48% 27.58 31.44 -12.28%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 1,498.15 1,476.41 1,333.84 1,153.30 941.38 592.29 439.96 384.81 313.60 323.62 355.97 Interest Earned 3,253.57 2,927.54 2,319.65 2,038.31 1,872.29 1,509.89 1,347.52 1,296.81 1,336.29 1,482.89 1,544.55 Interest Expended 1,755.42 1,451.13 985.81 885.01 930.91 917.60 907.56 912.00 1,022.69 1,159.27 1,188.58 Int. income Growth 6.56% 10.69% 15.65% 22.51% 58.94% 34.62% 14.33% 22.71% -3.10% -9.09% Other Income 693.07 584.29 316.01 246.80 303.13 221.61 135.92 125.42 281.20 104.68 127.34 Total Income 3,946.64 2,060.70 1,649.85 1,400.10 1,244.51 813.90 575.88 510.23 594.80 428.30 483.31 Total Expenditure 1,394.51 1,243.71 873.08 747.88 911.20 656.38 859.44 644.02 588.78 642.87 554.54 Employee Cost - 714.71 552.82 481.87 496.23 331.27 384.43 286.90 293.58 296.81 307.77 % Of Sales - 24.41% 23.83% 23.64% 26.50% 21.94% 28.53% 22.12% 21.97% 20.02% 19.93% Opt. & Establishment Exp. - 621.62 432.79 342.50 273.52 225.57 194.61 164.57 164.44 148.93 136.40 % Of Sales - 21.23% 18.66% 16.80% 14.61% 14.94% 14.44% 12.69% 12.31% 10.04% 8.83% Provisions - 18.48 -26.21 -0.51 222.97 146.58 313.46 223.69 160.62 224.53 132.25 % Of Sales - 0.63% -1.13% -0.03% 11.91% 9.71% 23.26% 17.25% 12.02% 15.14% 8.56% EBITDA 796.71 816.99 776.77 652.22 333.31 157.52 -283.56 -133.79 6.02 -214.57 -71.23 EBITDA Margin 57.14% 55.34% 58.24% 56.55% 35.41% 26.60% -64.45% -34.77% 1.92% -66.30% -20.01% Depreciation 0.00 55.55 43.16 37.99 40.76 23.52 16.53 15.57 14.93 13.70 10.94 PBT 745.68 761.44 733.61 614.23 292.55 133.99 -300.10 -149.36 -8.91 -228.27 -82.17 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 192.52 194.62 186.25 155.74 74.15 121.27 -102.68 -51.89 -10.46 -78.55 -29.00 Tax Rate 25.82% 25.56% 25.39% 25.36% 25.35% 90.51% 34.22% 34.74% 117.40% 34.41% 35.29% PAT 553.16 566.82 547.36 458.49 218.40 12.72 -197.42 -97.47 1.55 -149.72 -53.17 PAT before Minority Interest 553.16 566.82 547.36 458.49 218.40 12.72 -197.42 -97.47 1.55 -149.72 -53.17 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 25.24% 27.51% 33.18% 32.75% 17.55% 1.56% -34.28% -19.10% 0.26% -34.96% -11.00% PAT Growth -4.25% 3.56% 19.38% 109.93% 1616.98% 0 0 -6388.39% 0 0 EPS 31.88 32.67 31.55 26.43 12.59 0.73 -11.38 -5.62 0.09 -8.63 -3.06

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 3,803.65 3,203.63 2,651.40 2,180.23 1,960.66 1,431.69 889.03 999.36 892.79 888.49 Share Capital 173.54 173.54 173.54 173.54 173.51 85.97 81.01 81.01 71.76 60.39 Total Reserves 3,612.81 3,011.77 2,464.41 2,005.91 1,787.16 694.38 808.02 918.34 821.03 828.10 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 29,718.80 24,505.81 20,188.30 19,140.04 15,790.68 15,123.87 14,690.65 14,911.56 14,438.40 14,474.49 Borrowings 1,757.38 782.97 2,007.19 1,425.92 794.00 0.00 41.80 41.80 41.80 45.45 Other Liabilities & Provisions 776.16 669.87 509.39 591.16 318.89 355.59 248.57 270.52 278.94 353.85 Total Liabilities 36,055.99 29,162.28 25,356.28 23,337.35 18,864.23 16,911.15 15,870.05 16,223.24 15,651.93 15,762.28 Net Block 405.92 319.36 287.86 269.49 253.48 217.73 216.12 215.26 215.09 175.11 Gross Block 727.15 589.05 519.60 464.76 415.41 331.26 323.66 321.35 316.20 263.89 Accumulated Depreciation 321.24 269.68 231.74 195.27 161.92 113.53 107.54 106.09 101.11 88.79 Total Non-Current Assets 35,447.82 28,655.42 24,687.92 22,547.67 17,919.01 15,834.22 14,882.56 15,306.86 14,780.72 15,499.06 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 3,089.65 1,469.91 1,473.24 736.14 547.79 725.41 677.89 756.39 676.43 688.47 Balance with banks and money at call 65.24 366.80 100.52 977.93 391.55 248.23 537.24 454.76 49.86 110.12 Investments 7,551.43 5,848.70 7,011.62 6,125.99 5,359.84 4,027.61 4,113.95 5,761.52 5,986.69 5,053.40 Advances 24,335.58 20,650.65 15,814.68 14,438.12 11,366.35 10,615.24 9,337.36 8,118.93 7,852.65 9,471.96 Other Assets 608.18 506.87 668.35 789.68 945.22 1,076.95 987.49 916.37 871.22 263.22 Total Assets 36,056.00 29,162.29 25,356.27 23,337.35 18,864.23 16,911.17 15,870.05 16,223.23 15,651.94 15,762.28 Contingent Liabilities 2,925.18 2,282.54 1,635.17 1,956.63 1,523.23 657.76 708.55 779.51 832.15 839.56 Bills for collection 77.18 77.62 102.61 72.96 61.16 71.36 82.25 81.81 76.29 77.03 Adjusted Book Value 208.11 174.84 143.22 116.72 103.93 72.45 90.11 103.18 101.38 126.70

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 1,782.98 2,211.48 -852.50 1,373.80 -1,109.18 -893.24 26.84 395.42 -165.51 -356.24 PBT 761.45 733.61 614.23 292.55 134.00 -300.10 -149.36 -8.91 -228.28 -82.16 Adjustment 140.07 114.47 152.06 362.46 170.75 334.52 243.51 181.08 243.67 148.52 Adjustments for Liabilities & Assets 1,102.96 1,536.41 -1,510.64 712.72 -1,388.78 -919.92 -68.00 227.38 -177.30 -424.44 Refund/(Payment) of direct taxes -221.50 -173.01 -108.14 6.06 -25.15 -7.75 0.70 -4.13 -3.61 1.84 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,439.21 -724.32 130.92 -1,231.43 -235.35 -22.14 -17.79 -16.99 -12.72 -16.20 Net Fixed Assets -138.10 -69.45 -54.84 -49.35 -84.15 -7.60 -2.31 -5.15 -52.31 -11.10 Other Investment Activity -1451.47 -458.13 -1751.03 -700.11 -437.55 -349.05 -340.65 -334.07 -332.40 -279.65 Cash from Financing Activity 974.41 -1,224.22 581.27 632.36 1,310.25 673.88 -5.07 106.43 105.93 96.73 Closing Cash & Equivalent 3,154.89 1,836.71 1,573.76 1,714.07 939.34 973.63 1,215.13 1,211.15 726.29 798.59 Net Cash Inflow / Outflow 1,318.18 262.95 -140.31 774.73 -34.29 -241.50 3.98 484.86 -72.30 -275.71 Opening Cash & Equivalents 1,836.71 1,573.76 1,714.07 939.34 973.63 1,215.13 1,211.15 726.29 798.59 1,074.30

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 208.11 174.84 143.22 116.72 103.93 72.45 90.11 103.18 101.38 126.70 NIM 4.21 4.71 4.73 4.23 3.35 2.82 2.62 2.08 2.22 2.32 Yield on Advances 12.03 11.23 12.89 12.97 13.28 12.69 13.89 16.46 18.88 16.31 Yield on Investments 6.15 7.20 5.86 9.54 6.34 8.82 8.24 10.56 6.68 8.06 Cost of Liabilities 4.61 3.90 3.99 4.53 5.53 6.00 6.19 6.84 8.01 8.19 Interest Spread 7.42 7.33 8.90 8.44 7.75 6.69 7.70 9.62 10.88 8.12 ROCE 18.08% 18.56% 16.65% 11.36% 7.33% -21.53% -13.65% 0.98% -21.91% -3.86% Cost Income Ratio 62.15 57.12 56.17 58.58 65.53 97.68 85.43 74.49 100.87 89.64 Core Cost Income Ratio 63.62 57.21 56.63 63.80 68.05 99.06 85.89 111.08 102.23 97.55 Operating Costs to Assets 3.55 3.23 3.10 3.12 2.83 3.33 2.75 2.73 2.76 2.75 Loans/Deposits 0.06 0.03 0.10 0.07 0.05 0.00 0.00 0.00 0.00 0.00 Cash/Deposits 0.10 0.06 0.07 0.04 0.03 0.05 0.05 0.05 0.05 0.05 Investment/Deposits 0.25 0.24 0.35 0.32 0.34 0.27 0.28 0.39 0.41 0.35 Inc Loan/Deposits 5.91% 3.19% 9.94% 7.45% 5.03% 0.00% 0.28% 0.28% 0.29% 0.31% Credit Deposits 81.89% 84.27% 78.34% 75.43% 71.98% 70.19% 63.56% 54.45% 54.39% 65.44% Interest Expended / Interest earned 49.57% 42.50% 43.42% 49.72% 60.77% 67.35% 70.33% 76.53% 78.18% 76.95% Interest income / Total funds 8.12% 7.95% 8.04% 8.02% 8.00% 7.97% 8.17% 8.24% 9.47% 9.80% Interest Expended / Total funds 4.02% 3.38% 3.49% 3.99% 4.86% 5.37% 5.75% 6.30% 7.41% 7.54% CASA 27.20% 32.18% 33.66% 32.19% 29.17% 27.84% 27.03% 24.78% 20.03% 18.00%