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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,788.50
10.93
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

9,147.50
N/A
1.50

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-6.36
74.77
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
22.15
2.75

PAT CAGR (%)

10 Years
5 Years
3 Years

1.75
1.60

P:E (Median)

8 Years
5 Years
3 Years

-
10.46
10.24

P:BV (Average)

8 Years
5 Years
3 Years

-
1.75
1.60

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
7.51
7.11

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Interest Earned 1,109.16 864.85 28.25% 1,040.94 832.02 25.11% 980.89 794.87 23.40% 919.38 761.83 20.68%
Interest Exp. 685.60 497.37 37.85% 661.53 470.05 40.74% 609.62 408.84 49.11% 543.93 379.16 43.46%
Net Interest Income 423.56 367.48 15.26% 379.41 361.97 4.82% 371.27 386.03 -3.82% 375.45 382.67 -1.89%
NIM 4.13 4.30 -3.95% 4.13 4.36 -5.28% 3.75 5.04 -25.60% 4.11 5.10 -19.41%
Other Income 349.20 199.38 75.14% 244.71 171.84 42.41% 381.47 196.51 94.12% 219.37 125.34 75.02%
Total Income 1,458.36 1,064.23 37.03% 1,285.65 1,003.86 28.07% 1,362.36 991.38 37.42% 1,138.75 887.17 28.36%
Operating Exp. 493.46 366.51 34.64% 403.81 361.32 11.76% 435.99 354.54 22.97% 374.17 312.14 19.87%
Operating Profit 279.30 200.35 39.41% 220.31 172.49 27.72% 316.75 228.00 38.93% 220.65 195.87 12.65%
Provision 63.65 13.91 357.58% 60.79 20.06 203.04% 60.21 21.60 178.75% 16.53 -4.54 -
PBT 215.65 186.44 15.67% 159.52 152.43 4.65% 256.54 206.40 24.29% 204.12 200.41 1.85%
PBTM 19.44 21.56 -9.83% 15.32 18.32 -16.38% 26.15 25.97 0.69% 22.20 26.31 -15.62%
TAX 55.32 48.03 15.18% 40.92 39.11 4.63% 66.10 54.94 20.31% 52.49 50.44 4.06%
PAT 160.33 138.41 15.84% 118.60 113.32 4.66% 190.44 151.46 25.74% 151.63 149.97 1.11%
PATM 14.46% 16.00% 11.39% 13.62% 19.41% 19.05% 16.49% 19.69%
EPS 9.24 7.98 15.79% 6.83 6.53 4.59% 10.97 8.73 25.66% 8.74 8.64 1.16%
Gross NPA 628.75 452.12 39.07% 606.49 423.99 43.04% 498.46 361.07 38.05% 458.17 278.73 64.38%
Gross NPA% 1.81 1.68 7.74% 1.84 1.69 8.88% 1.57 1.47 6.80% 1.58 1.22 29.51%
Net NPA 178.46 183.32 -2.65% 215.15 169.11 27.22% 163.53 124.90 30.93% 182.71 70.23 160.16%
Net NPA% 0.52 0.69 -24.64% 0.66 0.68 -2.94% 0.52 0.51 1.96% 0.64 0.31 106.45%
CASA 21.17 24.09 -12.12% 23.49 24.90 -5.66% 24.19 27.20 -11.07% 24.07 27.58 -12.73%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 1,549.69 1,476.17 1,476.41 1,333.84 1,153.30 941.38 592.29 439.96 384.81 313.60 323.62 Interest Earned 4,050.37 3,597.14 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 Interest Expended 2,500.68 2,120.97 1,451.13 985.81 885.01 930.91 917.60 907.56 912.00 1,022.69 1,159.27 Int. income Growth 3.44% -0.02% 10.69% 15.65% 22.51% 58.94% 34.62% 14.33% 22.71% -3.10% Other Income 1,194.75 972.05 584.29 316.01 246.80 303.13 221.61 135.92 125.42 281.20 104.68 Total Income 5,245.12 2,448.22 2,060.70 1,649.85 1,400.10 1,244.51 813.90 575.88 510.23 594.80 428.30 Total Expenditure 1,707.43 1,572.31 1,243.71 873.08 747.88 911.20 656.38 859.44 644.02 588.78 642.87 Employee Cost - 754.25 714.71 552.82 481.87 496.23 331.27 384.43 286.90 293.58 296.81 % Of Sales - 20.97% 24.41% 23.83% 23.64% 26.50% 21.94% 28.53% 22.12% 21.97% 20.02% Opt. & Establishment Exp. - 860.13 621.62 432.79 342.50 273.52 225.57 194.61 164.57 164.44 148.93 % Of Sales - 23.91% 21.23% 18.66% 16.80% 14.61% 14.94% 14.44% 12.69% 12.31% 10.04% Provisions - 110.71 18.48 -26.21 -0.51 222.97 146.58 313.46 223.69 160.62 224.53 % Of Sales - 3.08% 0.63% -1.13% -0.03% 11.91% 9.71% 23.26% 17.25% 12.02% 15.14% EBITDA 1,037.01 875.91 816.99 776.77 652.22 333.31 157.52 -283.56 -133.79 6.02 -214.57 EBITDA Margin 57.85% 59.34% 55.34% 58.24% 56.55% 35.41% 26.60% -64.45% -34.77% 1.92% -66.30% Depreciation 0.00 76.39 55.55 43.16 37.99 40.76 23.52 16.53 15.57 14.93 13.70 PBT 835.83 799.53 761.44 733.61 614.23 292.55 133.99 -300.10 -149.36 -8.91 -228.27 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 214.83 205.73 194.62 186.25 155.74 74.15 121.27 -102.68 -51.89 -10.46 -78.55 Tax Rate 25.70% 25.73% 25.56% 25.39% 25.36% 25.35% 90.51% 34.22% 34.74% 117.40% 34.41% PAT 621.00 593.80 566.82 547.36 458.49 218.40 12.72 -197.42 -97.47 1.55 -149.72 PAT before Minority Interest 621.00 593.80 566.82 547.36 458.49 218.40 12.72 -197.42 -97.47 1.55 -149.72 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 22.63% 24.25% 27.51% 33.18% 32.75% 17.55% 1.56% -34.28% -19.10% 0.26% -34.96% PAT Growth 12.26% 4.76% 3.56% 19.38% 109.93% 1616.98% 0 0 -6388.39% 0 EPS 35.79 34.22 32.67 31.55 26.43 12.59 0.73 -11.38 -5.62 0.09 -8.63

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 4,497.73 3,803.65 3,203.63 2,651.40 2,180.23 1,960.66 1,431.69 889.03 999.36 892.79 Share Capital 173.54 173.54 173.54 173.54 173.54 173.51 85.97 81.01 81.01 71.76 Total Reserves 4,300.36 3,612.81 3,011.77 2,464.41 2,005.91 1,787.16 694.38 808.02 918.34 821.03 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 36,861.49 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 Borrowings 5,546.28 1,757.38 782.97 2,007.19 1,425.92 794.00 0.00 41.80 41.80 41.80 Other Liabilities & Provisions 930.77 776.16 669.87 509.39 591.16 318.89 355.59 248.57 270.52 278.94 Total Liabilities 47,836.27 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 Net Block 449.63 405.92 319.36 287.86 269.49 253.48 217.73 216.12 215.26 215.09 Gross Block 723.53 727.15 589.05 519.60 464.76 415.41 331.26 323.66 321.35 316.20 Accumulated Depreciation 273.89 321.24 269.68 231.74 195.27 161.92 113.53 107.54 106.09 101.11 Total Non-Current Assets 47,117.25 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 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 179.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 3,187.28 3,089.65 1,469.91 1,473.24 736.14 547.79 725.41 677.89 756.39 676.43 Balance with banks and money at call 404.90 65.24 366.80 100.52 977.93 391.55 248.23 537.24 454.76 49.86 Investments 11,389.34 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 Advances 31,507.05 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 Other Assets 719.02 608.18 506.87 668.35 789.68 945.22 1,076.95 987.49 916.37 871.22 Total Assets 47,836.27 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 Contingent Liabilities 7,368.08 2,925.18 2,282.54 1,635.17 1,956.63 1,523.23 657.76 708.55 779.51 832.15 Bills for collection 76.89 77.18 77.62 102.61 72.96 61.16 71.36 82.25 81.81 76.29 Adjusted Book Value 247.86 208.11 174.84 143.22 116.72 103.93 72.45 90.11 103.18 101.38

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -5,255.52 1,782.98 2,211.48 -852.50 1,373.80 -1,109.18 -893.24 26.84 395.42 -165.51 PBT 799.53 761.45 733.61 614.23 292.55 134.00 -300.10 -149.36 -8.91 -228.28 Adjustment 271.33 140.07 114.47 152.06 362.46 170.75 334.52 243.51 181.08 243.67 Adjustments for Liabilities & Assets -6,107.26 1,102.96 1,536.41 -1,510.64 712.72 -1,388.78 -919.92 -68.00 227.38 -177.30 Refund/(Payment) of direct taxes -219.12 -221.50 -173.01 -108.14 6.06 -25.15 -7.75 0.70 -4.13 -3.61 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 1,903.91 -1,439.21 -724.32 130.92 -1,231.43 -235.35 -22.14 -17.79 -16.99 -12.72 Net Fixed Assets -175.43 -138.10 -69.45 -54.84 -49.35 -84.15 -7.60 -2.31 -5.15 -52.31 Other Investment Activity -2341.79 -1451.47 -458.13 -1751.03 -700.11 -437.55 -349.05 -340.65 -334.07 -332.40 Cash from Financing Activity 3,788.90 974.41 -1,224.22 581.27 632.36 1,310.25 673.88 -5.07 106.43 105.93 Closing Cash & Equivalent 3,592.18 3,154.89 1,836.71 1,573.76 1,714.07 939.34 973.63 1,215.13 1,211.15 726.29 Net Cash Inflow / Outflow 437.29 1,318.18 262.95 -140.31 774.73 -34.29 -241.50 3.98 484.86 -72.30 Opening Cash & Equivalents 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

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 247.86 208.11 174.84 143.22 116.72 103.93 72.45 90.11 103.18 101.38 NIM 3.18 4.21 4.71 4.73 4.23 3.35 2.82 2.62 2.08 2.22 Yield on Advances 11.42 12.03 11.23 12.89 12.97 13.28 12.69 13.89 16.46 18.88 Yield on Investments 6.34 6.15 7.20 5.86 9.54 6.34 8.82 8.24 10.56 6.68 Cost of Liabilities 5.00 4.61 3.90 3.99 4.53 5.53 6.00 6.19 6.84 8.01 Interest Spread 6.42 7.42 7.33 8.90 8.44 7.75 6.69 7.70 9.62 10.88 ROCE 13.25% 18.08% 18.56% 16.65% 11.36% 7.33% -21.53% -13.65% 0.98% -21.91% Cost Income Ratio 62.82 62.15 57.12 56.17 58.58 65.53 97.68 85.43 74.49 100.87 Core Cost Income Ratio 65.44 63.62 57.21 56.63 63.80 68.05 99.06 85.89 111.08 102.23 Operating Costs to Assets 3.22 3.55 3.23 3.10 3.12 2.83 3.33 2.75 2.73 2.76 Loans/Deposits 0.15 0.06 0.03 0.10 0.07 0.05 0.00 0.00 0.00 0.00 Cash/Deposits 0.09 0.10 0.06 0.07 0.04 0.03 0.05 0.05 0.05 0.05 Investment/Deposits 0.31 0.25 0.24 0.35 0.32 0.34 0.27 0.28 0.39 0.41 Inc Loan/Deposits 15.05% 5.91% 3.19% 9.94% 7.45% 5.03% 0.00% 0.28% 0.28% 0.29% Credit Deposits 85.47% 81.89% 84.27% 78.34% 75.43% 71.98% 70.19% 63.56% 54.45% 54.39% Interest Expended / Interest earned 58.96% 49.57% 42.50% 43.42% 49.72% 60.77% 67.35% 70.33% 76.53% 78.18% Interest income / Total funds 7.52% 8.12% 7.95% 8.04% 8.02% 8.00% 7.97% 8.17% 8.24% 9.47% Interest Expended / Total funds 4.43% 4.02% 3.38% 3.49% 3.99% 4.86% 5.37% 5.75% 6.30% 7.41% CASA 24.19% 27.20% 32.18% 33.66% 32.19% 29.17% 27.84% 27.03% 24.78% 20.03%