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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,674.87
11.78
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

5,987.93
N/A
1.92

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

EBITDA CAGR (%)

10 Years
5 Years
3 Years

35.17
-
35.83

PAT CAGR (%)

10 Years
5 Years
3 Years

1.91
1.85

P:E (Median)

8 Years
5 Years
3 Years

-
10.41
10.15

P:BV (Average)

8 Years
5 Years
3 Years

-
1.91
1.85

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
6.41
8.04

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var%
Interest Earned 794.87 636.49 24.88% 761.83 592.05 28.68% 687.34 555.18 23.80% 683.49 535.93 27.53%
Interest Exp. 408.84 288.05 41.93% 379.16 242.31 56.48% 343.65 230.21 49.28% 319.48 225.24 41.84%
Net Interest Income 386.03 348.44 10.79% 382.67 349.74 9.42% 343.69 324.97 5.76% 364.01 310.69 17.16%
NIM 0.00 5.38 -100.00% 5.17 5.80 -10.86% 4.84 5.60 -13.57% 5.40 5.17 4.45%
Other Income 196.51 125.99 55.97% 125.34 89.90 39.42% 148.45 44.94 230.33% 121.55 54.85 121.60%
Total Income 991.38 762.48 30.02% 887.17 681.95 30.09% 835.79 600.12 39.27% 805.04 590.78 36.27%
Operating Exp. 354.54 272.55 30.08% 312.14 246.20 26.78% 317.51 212.55 49.38% 304.13 210.82 44.26%
Operating Profit 228.00 201.88 12.94% 195.87 193.44 1.26% 174.63 157.36 10.97% 181.43 154.72 17.26%
Provision 21.60 -9.20 - -4.54 -14.96 - -3.33 -3.73 - 4.73 1.68 181.55%
PBT 206.40 211.08 -2.22% 200.41 208.40 -3.83% 177.96 161.09 10.47% 176.70 153.04 15.46%
PBTM 25.97 33.16 -21.68% 26.31 35.20 -25.26% 25.89 29.02 -10.79% 25.85 28.56 -9.49%
TAX 54.94 54.74 0.37% 50.44 52.45 -3.83% 44.79 40.54 10.48% 44.47 38.52 15.45%
PAT 151.46 156.34 -3.12% 149.97 155.95 -3.83% 133.17 120.55 10.47% 132.23 114.52 15.46%
PATM 19.05% 24.56% 19.69% 26.34% 19.37% 21.71% 19.35% 21.37%
EPS 8.73 9.01 -3.11% 8.64 8.99 -3.89% 7.67 6.95 10.36% 7.62 6.60 15.45%
Gross NPA 361.07 262.56 37.52% 278.73 271.29 2.74% 284.76 291.04 -2.16% 270.66 293.01 -7.63%
Gross NPA% 1.47 1.26 16.67% 1.22 1.45 -15.86% 1.27 1.65 -23.03% 1.27 1.79 -29.05%
Net NPA 124.90 71.82 73.91% 70.23 77.66 -9.57% 72.49 98.86 -26.67% 67.77 96.75 -29.95%
Net NPA% 0.51 0.35 45.71% 0.31 0.42 -26.19% 0.33 0.57 -42.11% 0.32 0.60 -46.67%
CASA 0.00 32.18 -100.00% 27.58 31.44 -12.28% 29.28 34.27 -14.56% 30.84 35.12 -12.19%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 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 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 1,476.40 1,333.84 1,153.30 941.38 592.29 439.96 384.81 313.60 323.62 355.97 379.21 Interest Earned 2,927.53 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 1,503.98 Interest Expended 1,451.13 985.81 885.01 930.91 917.60 907.56 912.00 1,022.69 1,159.27 1,188.58 1,124.77 Int. income Growth 10.69% 15.65% 22.51% 58.94% 34.62% 14.33% 22.71% -3.10% -9.09% -6.13% Other Income 591.85 316.01 246.80 303.13 221.61 135.92 125.42 281.20 104.68 127.34 117.33 Total Income 3,519.38 1,649.85 1,400.10 1,244.51 813.90 575.88 510.23 594.80 428.30 483.31 496.54 Total Expenditure 1,288.32 873.08 747.88 911.20 656.38 859.44 644.02 588.78 642.87 554.54 448.37 Employee Cost - 558.51 481.87 496.23 331.27 384.43 286.90 293.58 296.81 307.77 287.76 % Of Sales - 24.08% 23.64% 26.50% 21.94% 28.53% 22.12% 21.97% 20.02% 19.93% 19.13% Opt. & Establishment Exp. - 427.10 342.50 273.52 225.57 194.61 164.57 164.44 148.93 136.40 120.87 % Of Sales - 18.41% 16.80% 14.61% 14.94% 14.44% 12.69% 12.31% 10.04% 8.83% 8.04% Provisions - -26.21 -0.51 222.97 146.58 313.46 223.69 160.62 224.53 132.25 54.60 % Of Sales - -1.13% -0.03% 11.91% 9.71% 23.26% 17.25% 12.02% 15.14% 8.56% 3.63% EBITDA 779.93 776.77 652.22 333.31 157.52 -283.56 -133.79 6.02 -214.57 -71.23 48.17 EBITDA Margin 55.99% 58.24% 56.55% 35.41% 26.60% -64.45% -34.77% 1.92% -66.30% -20.01% 12.70% Depreciation 0.00 43.16 37.99 40.76 23.52 16.53 15.57 14.93 13.70 10.94 7.43 PBT 761.47 733.61 614.23 292.55 133.99 -300.10 -149.36 -8.91 -228.27 -82.17 40.74 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 194.64 186.25 155.74 74.15 121.27 -102.68 -51.89 -10.46 -78.55 -29.00 13.86 Tax Rate 25.56% 25.39% 25.36% 25.35% 90.51% 34.22% 34.74% 117.40% 34.41% 35.29% 34.02% PAT 566.83 547.36 458.49 218.40 12.72 -197.42 -97.47 1.55 -149.72 -53.17 26.88 PAT before Minority Interest 566.83 547.36 458.49 218.40 12.72 -197.42 -97.47 1.55 -149.72 -53.17 26.88 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 27.41% 33.18% 32.75% 17.55% 1.56% -34.28% -19.10% 0.26% -34.96% -11.00% 5.41% PAT Growth 3.56% 19.38% 109.93% 1616.98% 0 0 -6388.39% 0 0 -297.81% EPS 32.67 31.55 26.43 12.59 0.73 -11.38 -5.62 0.09 -8.63 -3.06 1.55

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 3,203.63 2,651.40 2,180.23 1,960.66 1,431.69 889.03 999.36 892.79 888.49 770.03 Share Capital 173.54 173.54 173.54 173.51 85.97 81.01 81.01 71.76 60.39 41.90 Total Reserves 3,011.77 2,464.41 2,005.91 1,787.16 694.38 808.02 918.34 821.03 828.10 728.13 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 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 13,673.86 Borrowings 782.97 2,007.19 1,425.92 794.00 0.00 41.80 41.80 41.80 45.45 555.54 Other Liabilities & Provisions 669.87 509.39 591.16 318.89 355.59 248.57 270.52 278.94 353.85 316.12 Total Liabilities 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 15,315.55 Net Block 319.36 287.86 269.49 253.48 217.73 216.12 215.26 215.09 175.11 173.34 Gross Block 589.05 519.60 464.76 415.41 331.26 323.66 321.35 316.20 263.89 252.79 Accumulated Depreciation 269.68 231.74 195.27 161.92 113.53 107.54 106.09 101.11 88.79 79.45 Total Non-Current Assets 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 15,086.65 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 1,469.91 1,473.24 736.14 547.79 725.41 677.89 756.39 676.43 688.47 623.90 Balance with banks and money at call 366.80 100.52 977.93 391.55 248.23 537.24 454.76 49.86 110.12 450.40 Investments 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 5,131.65 Advances 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 8,707.36 Other Assets 506.87 668.35 789.68 945.22 1,076.95 987.49 916.37 871.22 263.22 228.90 Total Assets 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 15,315.55 Contingent Liabilities 2,282.54 1,635.17 1,956.63 1,523.23 657.76 708.55 779.51 832.15 839.56 1,138.05 Bills for collection 77.62 102.61 72.96 61.16 71.36 82.25 81.81 76.29 77.03 72.13 Adjusted Book Value 174.84 143.22 116.72 103.93 72.45 90.11 103.18 101.38 126.70 154.05

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 2,211.48 -852.50 1,373.80 -1,109.18 -893.24 26.84 395.42 -165.51 -356.24 53.45 PBT 733.61 614.23 292.55 134.00 -300.10 -149.36 -8.91 -228.28 -82.16 40.74 Adjustment 114.47 152.06 362.46 170.75 334.52 243.51 181.08 243.67 148.52 69.88 Adjustments for Liabilities & Assets 1,536.41 -1,510.64 712.72 -1,388.78 -919.92 -68.00 227.38 -177.30 -424.44 -47.57 Refund/(Payment) of direct taxes -173.01 -108.14 6.06 -25.15 -7.75 0.70 -4.13 -3.61 1.84 -9.60 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 -724.32 130.92 -1,231.43 -235.35 -22.14 -17.79 -16.99 -12.72 -16.20 -15.76 Net Fixed Assets -69.45 -54.84 -49.35 -84.15 -7.60 -2.31 -5.15 -52.31 -11.10 -8.29 Other Investment Activity -458.13 -1751.03 -700.11 -437.55 -349.05 -340.65 -334.07 -332.40 -279.65 -265.35 Cash from Financing Activity -1,224.22 581.27 632.36 1,310.25 673.88 -5.07 106.43 105.93 96.73 -28.41 Closing Cash & Equivalent 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 Net Cash Inflow / Outflow 262.95 -140.31 774.73 -34.29 -241.50 3.98 484.86 -72.30 -275.71 9.28 Opening Cash & Equivalents 1,573.76 1,714.07 939.34 973.63 1,215.13 1,211.15 726.29 798.59 1,074.30 1,065.02

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 174.84 143.22 116.72 103.93 72.45 90.11 103.18 101.38 126.70 154.05 NIM 4.71 4.73 4.23 3.35 2.82 2.62 2.08 2.22 2.32 2.54 Yield on Advances 11.23 12.89 12.97 13.28 12.69 13.89 16.46 18.88 16.31 17.27 Yield on Investments 7.20 5.86 9.54 6.34 8.82 8.24 10.56 6.68 8.06 7.30 Cost of Liabilities 3.90 3.99 4.53 5.53 6.00 6.19 6.84 8.01 8.19 7.90 Interest Spread 7.33 8.90 8.44 7.75 6.69 7.70 9.62 10.88 8.12 9.37 ROCE 18.56% 16.65% 11.36% 7.33% -21.53% -13.65% 0.98% -21.91% -3.86% 6.25% Cost Income Ratio 57.12 56.17 58.58 65.53 97.68 85.43 74.49 100.87 89.64 80.80 Core Cost Income Ratio 57.21 56.63 63.80 68.05 99.06 85.89 111.08 102.23 97.55 88.67 Operating Costs to Assets 3.23 3.10 3.12 2.83 3.33 2.75 2.73 2.76 2.75 2.62 Loans/Deposits 0.03 0.10 0.07 0.05 0.00 0.00 0.00 0.00 0.00 0.04 Cash/Deposits 0.06 0.07 0.04 0.03 0.05 0.05 0.05 0.05 0.05 0.05 Investment/Deposits 0.24 0.35 0.32 0.34 0.27 0.28 0.39 0.41 0.35 0.38 Inc Loan/Deposits 3.20% 9.94% 7.45% 5.03% 0.00% 0.28% 0.28% 0.29% 0.31% 4.06% Credit Deposits 84.27% 78.34% 75.43% 71.98% 70.19% 63.56% 54.45% 54.39% 65.44% 63.68% Interest Expended / Interest earned 42.50% 43.42% 49.72% 60.77% 67.35% 70.33% 76.53% 78.18% 76.95% 74.79% Interest income / Total funds 7.95% 8.04% 8.02% 8.00% 7.97% 8.17% 8.24% 9.47% 9.80% 9.82% Interest Expended / Total funds 3.38% 3.49% 3.99% 4.86% 5.37% 5.75% 6.30% 7.41% 7.54% 7.34% CASA 32.18% 33.66% 32.19% 29.17% 27.84% 27.03% 24.78% 20.03% 18.00% 17.27%

Top Investors:

sbi small cap fund

csb esos trust

yusuffali musaliam veettil abdul kader

maybank securities pte ltd

sundaram mutual fund a/c sundaram small cap fund

vallabh bhanshali

theleme india master fund limited

max life insurance co ltd a/c participating fund

zafar ahmadullah

lal arakulath sankappa

Annual Reports:

News Update:

CSB Bank logs 18% growth in gross advances in Q4FY24
2nd Apr 2024, 14:09 PM

CASA stood at Rs 8,084 crore (provisional) as of March 31, 2024, posting a 2.51% rise in year-on-year terms against Rs 7,886 crore as of March 31, 2023
Read More
CSB Bank - Quarterly Results
29th Jan 2024, 13:31 PM

Read More

CSB Bank Ltd.

Bank - Private

BSE: 542867 | NSE: CSBBANK

Stock Summary

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

CSB Bank Ltd.

Bank - Private

BSE: 542867 | NSE: CSBBANK

Stock Summary

Shareholding Pattern

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: