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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,742.53
11.35
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

5,410.26
N/A
1.56

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

1.80
1.58

P:E (Median)

8 Years
5 Years
3 Years

-
10.47
9.71

P:BV (Average)

8 Years
5 Years
3 Years

-
1.80
1.58

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
7.67
6.97

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 980.89 794.87 23.40% 919.38 761.83 20.68% 864.85 687.34 25.83% 832.02 683.49 21.73%
Interest Exp. 609.62 408.84 49.11% 543.93 379.16 43.46% 497.37 343.65 44.73% 470.05 319.48 47.13%
Net Interest Income 371.27 386.03 -3.82% 375.45 382.67 -1.89% 367.48 343.69 6.92% 361.97 364.01 -0.56%
NIM 3.75 5.04 -25.60% 4.11 5.10 -19.41% 4.30 4.84 -11.16% 4.36 5.40 -19.26%
Other Income 381.47 196.51 94.12% 219.37 125.34 75.02% 199.38 142.54 39.88% 171.84 119.90 43.32%
Total Income 1,362.36 991.38 37.42% 1,138.75 887.17 28.36% 1,064.23 829.88 28.24% 1,003.86 803.39 24.95%
Operating Exp. 435.99 354.54 22.97% 374.17 312.14 19.87% 366.51 311.60 17.62% 361.32 302.48 19.45%
Operating Profit 316.75 228.00 38.93% 220.65 195.87 12.65% 200.35 174.63 14.73% 172.49 181.43 -4.93%
Provision 60.21 21.60 178.75% 16.53 -4.54 - 13.91 -3.33 - 20.06 4.73 324.10%
PBT 256.54 206.40 24.29% 204.12 200.41 1.85% 186.44 177.96 4.77% 152.43 176.70 -13.74%
PBTM 26.15 25.97 0.69% 22.20 26.31 -15.62% 21.56 25.89 -16.72% 18.32 25.85 -29.13%
TAX 66.10 54.94 20.31% 52.49 50.44 4.06% 48.03 44.79 7.23% 39.11 44.47 -12.05%
PAT 190.44 151.46 25.74% 151.63 149.97 1.11% 138.41 133.17 3.93% 113.32 132.23 -14.30%
PATM 19.41% 19.05% 16.49% 19.69% 16.00% 19.37% 13.62% 19.35%
EPS 10.97 8.73 25.66% 8.74 8.64 1.16% 7.98 7.67 4.04% 6.53 7.62 -14.30%
Gross NPA 498.46 361.07 38.05% 458.17 278.73 64.38% 452.12 284.76 58.77% 423.99 270.66 56.65%
Gross NPA% 1.57 1.47 6.80% 1.58 1.22 29.51% 1.68 1.27 32.28% 1.69 1.27 33.07%
Net NPA 163.53 124.90 30.93% 182.71 70.23 160.16% 183.32 72.49 152.89% 169.11 67.77 149.54%
Net NPA% 0.52 0.51 1.96% 0.64 0.31 106.45% 0.69 0.33 109.09% 0.68 0.32 112.50%
CASA 24.19 27.20 -11.07% 24.07 27.58 -12.73% 24.09 29.28 -17.73% 24.90 30.84 -19.26%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 1,476.17 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 3,597.14 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 1,544.55 Interest Expended 2,120.97 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 -0.02% 10.69% 15.65% 22.51% 58.94% 34.62% 14.33% 22.71% -3.10% -9.09% Other Income 972.06 584.29 316.01 246.80 303.13 221.61 135.92 125.42 281.20 104.68 127.34 Total Income 4,569.20 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 1,537.99 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 910.24 816.99 776.77 652.22 333.31 157.52 -283.56 -133.79 6.02 -214.57 -71.23 EBITDA Margin 57.24% 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 799.53 761.44 733.61 614.23 292.55 133.99 -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 205.73 194.62 186.25 155.74 74.15 121.27 -102.68 -51.89 -10.46 -78.55 -29.00 Tax Rate 25.73% 25.56% 25.39% 25.36% 25.35% 90.51% 34.22% 34.74% 117.40% 34.41% 35.29% PAT 593.80 566.82 547.36 458.49 218.40 12.72 -197.42 -97.47 1.55 -149.72 -53.17 PAT before Minority Interest 593.80 566.82 547.36 458.49 218.40 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 24.25% 27.51% 33.18% 32.75% 17.55% 1.56% -34.28% -19.10% 0.26% -34.96% -11.00% PAT Growth 4.76% 3.56% 19.38% 109.93% 1616.98% 0 0 -6388.39% 0 0 EPS 34.22 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%