CSB Bank Live BSE/NSE | CSB Bank Fundamenta data | CSB Bank Balance sheet | CSB Bank Quarterly Results | CSB Bank Profit & Loss

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,857.66
33.30
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

4,103.87
N/A
2.00

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

9.09
12.85
15.46

EBITDA CAGR (%)

10 Years
5 Years
3 Years

3.46
-23.43
-20.44

PAT CAGR (%)

10 Years
5 Years
3 Years

0.43
-
-

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 20 Dec 19 Var% Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var%
Interest Earned 482.62 388.67 24.17% 469.96 376.88 24.70% 422.60 355.42 18.90% 388.92 354.00 9.86%
Interest Exp. 231.44 233.44 -0.86% 240.71 229.82 4.74% 237.34 222.96 6.45% 231.38 233.50 -0.91%
Net Interest Income 251.18 155.23 61.81% 229.25 147.06 55.89% 185.26 132.46 39.86% 157.54 120.50 30.74%
NIM 0.00 3.40 -100.00% 4.50 3.69 21.95% 4.06 3.45 17.68% 3.26 2.71 20.30%
Other Income 116.62 50.62 130.38% 97.59 54.19 80.09% 74.28 30.22 145.80% 86.57 45.87 88.73%
Total Income 599.24 439.29 36.41% 567.55 431.07 31.66% 496.88 385.64 28.85% 475.49 399.87 18.91%
Operating Exp. 185.44 135.83 36.52% 154.03 137.78 11.79% 130.45 122.57 6.43% 137.12 204.48 -32.94%
Operating Profit 182.36 70.01 160.48% 172.81 63.47 172.27% 129.09 40.11 221.84% 106.99 -38.12 -
Provision 111.47 27.61 303.73% 80.72 24.57 228.53% 57.53 10.07 471.30% 84.32 190.55 -55.75%
PBT 70.89 42.40 67.19% 92.09 38.90 136.74% 71.56 30.04 138.22% 22.67 -228.67 -
PBTM 14.69 10.91 34.65% 19.60 10.32 89.92% 16.93 8.45 100.36% 5.83 -64.60 -
TAX 17.84 14.26 25.11% 23.19 14.17 63.66% 18.00 10.50 71.43% 82.35 -78.02 -
PAT 53.05 28.14 88.52% 68.90 24.73 178.61% 53.56 19.54 174.10% -59.68 -150.64 -
PATM 10.99% 7.24% 14.66% 6.56% 12.67% 5.50% -15.35% -42.55%
EPS 3.06 1.62 88.89% 3.97 1.44 175.69% 3.09 2.27 36.12% -3.44 -17.52 -
Gross NPA 234.89 352.63 -33.39% 387.42 326.20 18.77% 401.03 513.41 -21.89% 409.43 530.62 -22.84%
Gross NPA% 1.77 3.22 -45.03% 3.04 2.86 6.29% 3.51 4.71 -25.48% 3.54 4.87 -27.31%
Net NPA 89.52 213.74 -58.12% 163.52 221.51 -26.18% 195.24 216.75 -9.92% 216.94 240.68 -9.86%
Net NPA% 0.68 1.98 -65.66% 1.30 1.96 -33.67% 1.74 2.04 -14.71% 1.91 2.27 -15.86%
CASA 0.00 28.60 -100.00% 29.39 28.17 4.33% 29.23 28.10 4.02% 29.17 27.84 4.78%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 823.23 592.29 439.96 384.81 313.60 323.62 355.97 379.21 339.21 307.02 248.15 Interest Earned 1,764.10 1,509.89 1,347.52 1,296.81 1,336.29 1,482.89 1,544.55 1,503.98 1,320.86 1,075.63 762.13 Interest Expended 940.87 917.60 907.56 912.00 1,022.69 1,159.27 1,188.58 1,124.77 981.65 768.61 513.98 Int. income Growth 48.26% 34.62% 14.33% 22.71% -3.10% -9.09% -6.13% 11.79% 10.48% 23.72% Other Income 375.06 221.61 135.92 125.42 281.20 104.68 127.34 117.33 94.58 85.24 74.51 Total Income 2,139.16 813.90 575.88 510.23 594.80 428.30 483.31 496.54 433.79 392.26 322.66 Total Expenditure 838.48 656.38 859.44 644.02 588.78 642.87 554.54 448.37 384.41 357.77 300.00 Employee Cost - 331.27 384.43 286.90 293.58 296.81 307.77 287.76 233.91 213.21 212.25 % Of Sales - 21.94% 28.53% 22.12% 21.97% 20.02% 19.93% 19.13% 17.71% 19.82% 27.85% Opt. & Establishment Exp. - 225.57 194.61 164.57 164.44 148.93 136.40 120.87 105.40 94.14 87.27 % Of Sales - 14.94% 14.44% 12.69% 12.31% 10.04% 8.83% 8.04% 7.98% 8.75% 11.45% Provisions - 146.58 313.46 223.69 160.62 224.53 132.25 54.60 60.08 67.60 21.44 % Of Sales - 9.71% 23.26% 17.25% 12.02% 15.14% 8.56% 3.63% 4.55% 6.28% 2.81% EBITDA 359.81 157.52 -283.56 -133.79 6.02 -214.57 -71.23 48.17 49.38 34.49 22.66 EBITDA Margin 52.47% 26.60% -64.45% -34.77% 1.92% -66.30% -20.01% 12.70% 14.56% 11.23% 9.13% Depreciation 0.00 23.52 16.53 15.57 14.93 13.70 10.94 7.43 7.49 8.59 10.48 PBT 257.21 133.99 -300.10 -149.36 -8.91 -228.27 -82.17 40.74 41.90 25.90 12.18 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 141.38 121.27 -102.68 -51.89 -10.46 -78.55 -29.00 13.86 9.23 0.00 0.00 Tax Rate 54.97% 90.51% 34.22% 34.74% 117.40% 34.41% 35.29% 34.02% 22.03% 0.00% 0.00% PAT 115.83 12.72 -197.42 -97.47 1.55 -149.72 -53.17 26.88 32.67 25.90 12.18 PAT before Minority Interest 115.83 12.72 -197.42 -97.47 1.55 -149.72 -53.17 26.88 32.67 25.90 12.18 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 9.67% 1.56% -34.28% -19.10% 0.26% -34.96% -11.00% 5.41% 7.53% 6.60% 3.77% PAT Growth -248.06% 0 0 -6388.39% 0 0 -297.81% -17.72% 26.14% 112.64% Unadjusted EPS 6.68 0.73 -11.38 -5.62 0.09 -8.63 -3.06 1.55 1.88 1.49 0.70

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 1,960.66 1,431.69 889.03 999.36 892.79 888.49 770.03 757.55 565.55 545.05 Share Capital 173.51 85.97 81.01 81.01 71.76 60.39 41.90 41.90 31.42 31.35 Total Reserves 1,787.16 694.38 808.02 918.34 821.03 828.10 728.13 715.65 534.13 513.71 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 15,790.68 15,123.87 14,690.65 14,911.56 14,438.40 14,474.49 13,673.86 12,341.63 10,604.87 8,725.67 Borrowings 794.00 0.00 41.80 41.80 41.80 45.45 555.54 199.41 575.47 323.82 Other Liabilities & Provisions 318.89 355.59 248.57 270.52 278.94 353.85 316.12 321.54 301.19 234.53 Total Liabilities 18,864.23 16,911.15 15,870.05 16,223.24 15,651.93 15,762.28 15,315.55 13,620.13 12,047.08 9,829.07 Net Block 228.27 217.73 216.12 215.26 215.09 175.11 173.34 169.22 75.67 75.07 Gross Block 355.01 331.26 323.66 321.35 316.20 263.89 252.79 244.50 145.88 139.84 Accumulated Depreciation 126.74 113.53 107.54 106.09 101.11 88.79 79.45 75.28 70.21 64.76 Total Non-Current Assets 17,893.80 15,834.22 14,882.56 15,306.86 14,780.72 15,499.06 15,086.65 13,386.81 11,855.38 9,685.44 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 547.79 725.41 677.89 756.39 676.43 688.47 623.90 629.26 686.48 587.14 Balance with banks and money at call 391.55 248.23 537.24 454.76 49.86 110.12 450.40 435.76 284.54 112.95 Investments 5,359.84 4,027.61 4,113.95 5,761.52 5,986.69 5,053.40 5,131.65 3,301.05 3,145.15 2,690.26 Advances 11,366.35 10,615.24 9,337.36 8,118.93 7,852.65 9,471.96 8,707.36 8,851.52 7,663.54 6,220.02 Other Assets 970.44 1,076.95 987.49 916.37 871.22 263.22 228.90 233.31 191.70 143.63 Total Assets 18,864.24 16,911.17 15,870.05 16,223.23 15,651.94 15,762.28 15,315.55 13,620.12 12,047.08 9,829.07 Contingent Liabilities 1,523.23 657.76 708.55 779.51 832.15 839.56 1,138.05 856.70 1,008.34 874.75 Bills for collection 61.16 71.36 82.25 81.81 76.29 77.03 72.13 80.92 0.00 0.00 Adjusted Book Value 104.03 72.45 90.11 103.18 101.38 126.70 154.05 150.74 167.68 161.27

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity -506.85 -893.24 26.84 395.42 -165.51 -356.24 53.45 60.41 246.99 -139.17 PBT 134.00 -300.10 -149.36 -8.91 -228.28 -82.16 40.74 41.89 29.49 17.46 Adjustment 170.75 334.52 243.51 181.08 243.67 148.52 69.88 85.79 82.36 39.70 Adjustments for Liabilities & Assets -786.44 -919.92 -68.00 227.38 -177.30 -424.44 -47.57 -68.17 149.84 -200.04 Refund/(Payment) of direct taxes -25.15 -7.75 0.70 -4.13 -3.61 1.84 -9.60 0.89 -14.69 3.71 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 -43.69 -22.14 -17.79 -16.99 -12.72 -16.20 -15.76 -12.56 -7.47 -5.17 Net Fixed Assets -23.75 -7.60 -2.31 -5.15 -52.31 -11.10 -8.29 -98.62 -6.04 -2.00 Other Investment Activity -377.15 -349.05 -340.65 -334.07 -332.40 -279.65 -265.35 -251.97 -151.05 -146.36 Cash from Financing Activity 516.25 673.88 -5.07 106.43 105.93 96.73 -28.41 46.16 31.40 138.82 Closing Cash & Equivalent 939.34 973.63 1,215.13 1,211.15 726.29 798.59 1,074.30 1,065.02 971.01 700.09 Net Cash Inflow / Outflow -34.29 -241.50 3.98 484.86 -72.30 -275.71 9.28 94.01 270.92 -5.51 Opening Cash & Equivalents 973.63 1,215.13 1,211.15 726.29 798.59 1,074.30 1,065.02 971.01 700.09 705.60

Financial Ratios

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 104.03 72.45 90.11 103.18 101.38 126.70 154.05 150.74 167.68 161.27 NIM 3.35 2.82 2.62 2.08 2.22 2.32 2.54 2.57 2.61 2.58 Yield on Advances 13.28 12.69 13.89 16.46 18.88 16.31 17.27 14.92 14.04 12.25 Yield on Investments 6.34 8.82 8.24 10.56 6.68 8.06 7.30 7.55 6.55 5.97 Cost of Liabilities 5.53 6.00 6.19 6.84 8.01 8.19 7.90 7.83 6.87 5.68 Interest Spread 7.75 6.69 7.70 9.62 10.88 8.12 9.37 7.09 7.16 6.57 ROCE 7.33% -21.53% -13.65% 0.98% -21.91% -3.86% 6.25% 6.99% 5.62% 4.42% Cost Income Ratio 65.53 97.68 85.43 74.49 100.87 89.64 80.80 76.49 76.16 89.58 Core Cost Income Ratio 68.05 99.06 85.89 111.08 102.23 97.55 88.67 80.75 77.20 91.05 Operating Costs to Assets 2.83 3.33 2.75 2.73 2.76 2.75 2.62 2.44 2.48 2.94 Loans/Deposits 0.05 0.00 0.00 0.00 0.00 0.00 0.04 0.02 0.05 0.04 Cash/Deposits 0.03 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.07 Investment/Deposits 0.34 0.27 0.28 0.39 0.41 0.35 0.38 0.27 0.30 0.31 Inc Loan/Deposits 5.03% 0.00% 0.28% 0.28% 0.29% 0.31% 4.06% 1.62% 5.43% 3.71% Credit Deposits 71.98% 70.19% 63.56% 54.45% 54.39% 65.44% 63.68% 71.72% 72.26% 71.28% Interest Expended / Interest earned 60.77% 67.35% 70.33% 76.53% 78.18% 76.95% 74.79% 74.32% 71.46% 67.44% Interest income / Total funds 8.00% 7.97% 8.17% 8.24% 9.47% 9.80% 9.82% 9.70% 8.93% 7.75% Interest Expended / Total funds 4.86% 5.37% 5.75% 6.30% 7.41% 7.54% 7.34% 7.21% 6.38% 5.23% CASA 29.17% 27.84% 27.03% 24.78% 20.03% 18.00% 17.27% 17.53% 19.32% 22.36%

CSB Bank Ltd.

Bank - Private

BSE: 542867 | NSE: CSBBANK

Stock Summary

Chart

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

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

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

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

Annual Reports:

News Update