CSB Bank

Market Cap: Mid Cap
Industry: Bank - Private
ISIN: INE679A01013
NSEID: CSBBANK
BSEID: 542867

INR

326.10

6.25 (1.95%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 2.52 lacs

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Half Yearly Results

Results Snapshot

Figures in Rs cr

Standalone Half Yearly Results

Sep'24

Sep'23

Sep'22

Sep'21

Sep'20

Sep'19

Sep'17

Interest Earned

1,696.87

1,370.83

1,091.11

991.10

892.56

732.30

659.27

Income On Investments

280.93

188.13

209.99

189.19

242.53

153.40

185.77

Interest On Balances With Rbi Other Inter Bank Funds

8.36

6.97

8.34

26.84

0.96

2.47

10.62

Interest / Discount On Advances / Bills

1,387.41

1,155.82

864.94

766.98

633.38

563.13

449.52

Others

20.17

19.91

7.84

8.09

15.69

13.30

13.36

Other Income

371.22

262.44

99.79

131.03

107.93

84.41

66.71

Total Income

2,068.09

1,633.27

1,190.90

1,122.13

1,000.49

816.71

725.98

Interest Expended

967.42

663.13

455.45

444.97

478.05

452.78

466.75

Net Interest Income

729.45

707.70

635.66

546.13

414.51

279.52

192.52

Total Expenditure (Excl Depreciation)

727.83

614.08

423.37

353.04

284.48

260.36

215.81

Employee Cost

361.78

351.89

247.86

216.37

189.79

168.14

144.99

Other Operating Expenses

366.05

262.19

175.51

136.67

94.69

92.22

70.82

Operating Profit Before Provisions and Contingencies

372.84

356.06

312.08

324.12

237.96

103.57

43.42

Exceptional Items

0.00

Provisions and contingencies

33.97

1.41

-2.05

84.15

74.31

34.64

63.50

Profit Before Tax

338.87

354.65

314.13

239.97

163.65

68.93

-20.08

Tax

87.14

89.26

79.06

60.40

41.19

24.66

-6.95

Profit After Tax

251.73

265.39

235.07

179.57

122.46

44.27

-13.13

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

251.73

265.39

235.07

179.57

122.46

44.27

-13.13

Face Value

10.0

Reserves

0.00

1,909.62

0.00

746.36

Earnings per share (EPS)

14.51

15.29

13.55

10.35

7.06

2.57

-1.62

Diluted Earnings per share

14.51

15.3

13.55

10.35

7.06

3.86

-3.24

Operating Profit Margin (Excl OI)

55.11%

55.1%

61.39%

55.89%

59.8%

59.72%

57.63%

Gross Profit Margin

19.97%

25.87%

28.79%

24.21%

18.33%

9.41%

-3.05%

PAT Margin

14.83%

19.36%

21.54%

18.12%

13.72%

6.05%

-1.99%

Net Interest Margin

4.33%

5.12%

5.38%

5.13%

4.27%

0.0%

Return on Assets

0.0%

CASA (%)

24.09%

29.28%

34.27%

32.6%

29.39%

0.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

22.74%

23.96%

25.14%

20.12%

19.69%

0.0%

11.09%

Capital Adequacy Ratio (Tier 1)

21.37%

22.56%

23.63%

18.76%

18.44%

0.0%

10.49%

Provision Coverage Ratio (%)

81.49%

91.75%

90.14%

73.48%

84.24%

0.0%

Amount of Gross NPAs

452.12

284.76

291.04

586.83

367.42

326.21

623.67

Amount of Net NPAs

183.32

72.49

98.86

370.06

163.52

221.51

427.81

% of Net NPAs

0.69%

0.33%

0.57%

2.63%

1.3%

1.96%

4.73%

% of Gross NPAs

1.68%

1.27%

1.65%

4.11%

3.04%

2.86%

6.75%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

770.0

546.0

507.0

368.0

0.0

Number of Branches

802.0

719.0

608.0

541.0

0.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2024 is 23.78% vs 25.64% in Sep 2023

Net Profit

Growth in half year ended Sep 2024 is -5.15% vs 12.90% in Sep 2023

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is 4.71% vs 14.09% in Sep 2023

% of Net NPAs

Growth in half year ended Sep 2024 is 0.36% vs -0.24% in Sep 2023

% of Gross NPAs

Growth in half year ended Sep 2024 is 0.41% vs -0.38% in Sep 2023

Compare Half Yearly Results Of CSB Bank With

Select Peers

Figures in Rs cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

1,696.87

15,449.64

-13,752.77

-89.02%

Income On Investments

280.93

2,938.08

-2,657.15

-90.44%

Interest On Balances With Rbi Other Inter Bank Funds

8.36

170.92

-162.56

-95.11%

Interest / Discount On Advances / Bills

1,387.41

11,559.18

-10,171.77

-88.0%

Others

20.17

781.46

-761.29

-97.42%

Other Income

371.22

2,605.59

-2,234.37

-85.75%

Total Income

2,068.09

18,055.23

-15,987.14

-88.55%

Interest Expended

967.42

11,005.16

-10,037.74

-91.21%

Net Interest Income

729.45

4,444.48

-3,715.03

-83.59%

Total Expenditure (Excl Depreciation)

727.83

5,189.51

-4,461.68

-85.97%

Employee Cost

361.78

1,987.72

-1,625.94

-81.8%

Other Operating Expenses

366.05

3,201.79

-2,835.74

-88.57%

Operating Profit Before Provisions and Contingencies

372.84

1,860.56

-1,487.72

-79.96%

Exceptional Items

0.00

Provisions and contingencies

33.97

508.87

-474.90

-93.32%

Profit Before Tax

338.87

1,351.69

-1,012.82

-74.93%

Tax

87.14

296.22

-209.08

-70.58%

Profit After Tax

251.73

1,055.47

-803.74

-76.15%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

251.73

1,055.47

-803.74

-76.15%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

14.51

0.34

14.17

4167.65%

Diluted Earnings per share

14.51

0.34

14.17

4167.65%

Operating Profit Margin (Excl OI)

55.11%

63.12%

0.00

-8.01%

Gross Profit Margin

19.97%

8.75%

0.00

11.22%

PAT Margin

14.83%

6.83%

0.00

8.00%

Net Interest Margin

4.33%

0.00%

4.33

4.33%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

24.09%

32.00%

-7.91

-7.91%

CASA Amount

0.00

88,601.00

-88,601.00

-100.0%

Capital Adequacy Ratio (Total)

22.74%

15.60%

7.14

7.14%

Capital Adequacy Ratio (Tier 1)

21.37%

13.20%

8.17

8.17%

Provision Coverage Ratio (%)

81.49%

70.00%

11.49

11.49%

Amount of Gross NPAs

452.12

3,889.43

-3,437.31

-88.38%

Amount of Net NPAs

183.32

1,168.02

-984.70

-84.31%

% of Net NPAs

0.69%

1.60%

-0.91

-0.91%

% of Gross NPAs

1.68%

1.60%

0.08

0.08%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

770.00

1,325.00

-555.00

-41.89%

Number of Branches

802.00

1,237.00

-435.00

-35.17%

Half Yearly - Interest Earned

Interest Earned 1696.87 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 23.78% vs 25.64% in Sep 2023

Half Yearly - Net Profit

Net Profit 251.73 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is -5.15% vs 12.90% in Sep 2023

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 372.84 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 4.71% vs 14.09% in Sep 2023

Half Yearly - % of Net NPAs

% of Net NPAs 0.69%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is 0.36% vs -0.24% in Sep 2023

Half Yearly - % of Gross NPAs

% of Gross NPAs 1.68%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is 0.41% vs -0.38% in Sep 2023