Annual Results Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Mar'17
Interest Earned
2,927.54
2,319.65
2,038.32
1,872.30
1,509.89
1,347.52
1,336.30
Income On Investments
423.99
404.61
380.92
459.30
309.87
347.37
412.56
Interest On Balances With Rbi Other Inter Bank Funds
14.76
11.15
46.52
5.06
5.86
31.53
2.70
Interest / Discount On Advances / Bills
2,460.14
1,888.13
1,597.28
1,375.95
1,162.11
968.62
880.88
Others
28.65
15.76
13.60
31.99
32.05
0.00
40.16
Other Income
584.29
315.68
246.79
303.12
221.61
135.92
281.20
Total Income
3,511.83
2,635.33
2,285.11
2,175.42
1,731.50
1,483.44
1,617.50
Interest Expended
1,451.13
985.81
885.01
930.91
917.60
907.56
1,022.69
Net Interest Income
1,476.41
1,333.84
1,153.31
941.39
592.29
439.96
313.61
Total Expenditure (Excl Depreciation)
1,280.78
942.12
786.38
728.99
533.32
562.53
443.09
Employee Cost
714.71
552.82
481.87
496.23
331.27
384.43
293.58
Other Operating Expenses
566.07
389.30
304.51
232.76
202.05
178.10
149.51
Operating Profit Before Provisions and Contingencies
779.92
707.40
613.72
515.52
280.58
13.35
151.72
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
18.48
-26.21
-0.51
222.97
146.58
313.45
160.64
Profit Before Tax
761.44
733.61
614.23
292.55
134.00
-300.10
-8.92
Tax
194.62
186.25
155.74
74.15
121.28
-102.68
-10.47
Profit After Tax
566.82
547.36
458.49
218.40
12.72
-197.42
1.55
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
566.82
547.36
458.49
218.40
12.72
-197.42
1.55
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
3,454.27
2,878.07
2,324.64
1,852.22
1,630.94
536.55
754.38
Earnings per share (EPS)
32.66
31.54
26.42
12.58
0.73
-22.96
0.19
Diluted Earnings per share
32.67
31.55
26.43
12.59
0.88
-23.73
0.21
Operating Profit Margin (Excl OI)
55.62%
60.52%
61.45%
49.16%
54.97%
34.99%
54.82%
Gross Profit Margin
26.01%
31.63%
30.13%
15.63%
8.87%
-22.27%
-0.67%
PAT Margin
19.36%
23.6%
22.49%
11.66%
0.84%
-14.65%
0.12%
Net Interest Margin
5.09%
5.48%
5.27%
4.81%
3.74%
0.0%
0.0%
Return on Assets
0.0%
2.06%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
27.2%
32.18%
33.66%
32.19%
29.17%
27.84%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
24.47%
27.1%
25.9%
21.37%
22.46%
16.7%
12.15%
Capital Adequacy Ratio (Tier 1)
23.1%
25.87%
24.35%
19.96%
21.79%
16.03%
11.54%
Provision Coverage Ratio (%)
86.44%
92.11%
89.65%
84.89%
80.02%
78.16%
0.0%
Amount of Gross NPAs
361.07
262.56
289.51
393.49
409.43
530.62
600.10
Amount of Net NPAs
124.90
71.82
106.99
168.81
216.94
240.68
447.64
% of Net NPAs
0.51%
0.35%
0.68%
1.17%
1.91%
2.27%
5.51%
% of Gross NPAs
1.47%
1.26%
1.81%
2.68%
3.54%
4.87%
7.25%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
731.0
528.0
465.0
320.0
300.0
0.0
0.0
Number of Branches
779.0
703.0
603.0
514.0
411.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2024 is 26.21% vs 13.8% in Mar 2023
Net Profit
YoY Growth in year ended Mar 2024 is 3.56% vs 19.38% in Mar 2023
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2024 is 10.25% vs 15.26% in Mar 2023
% of Net NPAs
YoY Growth in year ended Mar 2024 is 0.16% vs -0.33% in Mar 2023
% of Gross NPAs
YoY Growth in year ended Mar 2024 is 0.21% vs -0.55% in Mar 2023
Compare Annual Results Of CSB Bank With
Figures in Rs cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
2,927.54
27,585.94
-24,658.40
-89.39%
Income On Investments
423.99
4,958.26
-4,534.27
-91.45%
Interest On Balances With Rbi Other Inter Bank Funds
14.76
458.40
-443.64
-96.78%
Interest / Discount On Advances / Bills
2,460.14
21,087.49
-18,627.35
-88.33%
Others
28.65
1,081.79
-1,053.14
-97.35%
Other Income
584.29
5,114.30
-4,530.01
-88.58%
Total Income
3,511.83
32,700.24
-29,188.41
-89.26%
Interest Expended
1,451.13
19,491.32
-18,040.19
-92.55%
Net Interest Income
1,476.41
8,094.62
-6,618.21
-81.76%
Total Expenditure (Excl Depreciation)
1,280.78
9,822.66
-8,541.88
-86.96%
Employee Cost
714.71
3,774.28
-3,059.57
-81.06%
Other Operating Expenses
566.07
6,048.38
-5,482.31
-90.64%
Operating Profit Before Provisions and Contingencies
779.92
3,386.26
-2,606.34
-76.97%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
18.48
1,886.28
-1,867.80
-99.02%
Profit Before Tax
761.44
1,499.98
-738.54
-49.24%
Tax
194.62
248.90
-54.28
-21.81%
Profit After Tax
566.82
1,251.08
-684.26
-54.69%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
566.82
1,251.08
-684.26
-54.69%
Face Value
10.00
2.00
0.00
Reserves
3,454.27
35,443.42
-31,989.15
-90.25%
Earnings per share (EPS)
32.66
0.43
32.23
7495.35%
Diluted Earnings per share
32.67
0.43
32.24
7497.67%
Operating Profit Margin (Excl OI)
55.62%
57.55%
0.00
-1.93%
Gross Profit Margin
26.01%
5.44%
0.00
20.57%
PAT Margin
19.36%
4.54%
0.00
14.82%
Net Interest Margin
5.09%
2.40%
2.69
2.69%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
27.20%
30.90%
-3.70
-3.70%
CASA Amount
0.00
82,317.00
-82,317.00
-100.0%
Capital Adequacy Ratio (Total)
24.47%
15.40%
9.07
9.07%
Capital Adequacy Ratio (Tier 1)
23.10%
12.20%
10.90
10.90%
Provision Coverage Ratio (%)
86.44%
79.30%
7.14
7.14%
Amount of Gross NPAs
361.07
3,982.56
-3,621.49
-90.93%
Amount of Net NPAs
124.90
1,329.73
-1,204.83
-90.61%
% of Net NPAs
0.51%
0.60%
-0.09
-0.09%
% of Gross NPAs
1.47%
1.70%
-0.23
-0.23%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
731.00
1,290.00
-559.00
-43.33%
Number of Branches
779.00
1,234.00
-455.00
-36.87%
Annual - Interest Earned
Interest Earned 2927.54 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 26.21% vs 13.8% in Mar 2023
Annual - Net Profit
Net Profit 566.82 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 3.56% vs 19.38% in Mar 2023
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 779.92 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 10.25% vs 15.26% in Mar 2023
Annual - % of Net NPAs
% of Net NPAs 0.51%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is 0.16% vs -0.33% in Mar 2023
Annual - % of Gross NPAs
% of Gross NPAs 1.47%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is 0.21% vs -0.55% in Mar 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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