Nine Monthly Results Results Snapshot
Figures in Rs cr
Standalone Nine Monthly Results
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
2,616.25
2,132.66
1,683.16
1,518.75
1,375.18
1,120.97
Income On Investments
438.84
300.73
304.44
281.68
354.56
230.74
Interest On Balances With Rbi Other Inter Bank Funds
13.05
10.26
9.16
41.56
2.23
3.28
Interest / Discount On Advances / Bills
2,143.13
1,799.96
1,359.46
1,185.04
993.20
865.84
Others
21.23
21.71
10.10
10.47
25.19
21.11
Other Income
590.59
387.78
189.69
183.19
239.37
135.03
Total Income
3,206.84
2,520.44
1,872.85
1,701.94
1,614.55
1,256.00
Interest Expended
1,511.35
1,042.29
697.76
669.28
709.49
686.22
Net Interest Income
1,104.90
1,090.37
985.40
849.47
665.69
434.75
Total Expenditure (Excl Depreciation)
1,102.00
926.22
669.57
560.99
469.92
396.20
Employee Cost
557.91
524.70
399.48
338.46
317.59
252.32
Other Operating Expenses
544.09
401.52
270.09
222.53
152.33
143.88
Operating Profit Before Provisions and Contingencies
593.49
551.93
505.52
471.67
435.14
173.58
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
50.50
-3.13
-17.01
33.59
200.60
62.25
Profit Before Tax
542.99
555.06
522.53
438.08
234.54
111.33
Tax
139.63
139.70
131.51
110.26
59.03
38.92
Profit After Tax
403.36
415.36
391.02
327.82
175.51
72.41
Extraordinary Items
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
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
403.36
415.36
391.02
327.82
175.51
72.41
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
1,690.09
Diluted Earnings per share
8.74
8.64
8.99
8.55
3.06
1.63
Operating Profit Margin (Excl OI)
57.88%
56.57%
60.22%
63.06%
65.83%
64.66%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
15.42%
19.48%
23.23%
21.58%
12.76%
6.46%
Net Interest Margin
4.11%
5.1%
5.8%
5.41%
5.17%
3.92%
Return on Assets
1.48%
1.84%
2.37%
0.0%
0.0%
0.0%
CASA (%)
24.07%
27.58%
31.44%
34.57%
30.4%
28.56%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
21.08%
22.99%
25.78%
20.74%
21.02%
23.0%
Capital Adequacy Ratio (Tier 1)
19.73%
21.6%
24.27%
19.38%
19.77%
22.34%
Provision Coverage Ratio (%)
81.47%
91.85%
91.93%
82.95%
91.03%
80.31%
Amount of Gross NPAs
458.17
278.73
271.29
388.95
234.89
352.63
Amount of Net NPAs
182.71
70.23
77.66
199.74
89.52
213.74
% of Net NPAs
0.64%
0.31%
0.42%
1.36%
0.68%
1.98%
% of Gross NPAs
1.58%
1.22%
1.45%
2.62%
1.77%
3.22%
Public Share Holdings (%)
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%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
777.0
570.0
516.0
410.0
319.0
0.0
Number of Branches
807.0
747.0
648.0
559.0
454.0
411.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2024 is 22.68% vs 26.71% in Dec 2023
Net Profit
YoY Growth in nine months ended Dec 2024 is -2.89% vs 6.22% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2024 is 7.53% vs 9.18% in Dec 2023
% of Net NPAs
YoY Growth in nine months ended Dec 2024 is 0.33% vs -0.11% in Dec 2023
% of Gross NPAs
YoY Growth in nine months ended Dec 2024 is 0.36% vs -0.23% in Dec 2023
Compare Nine Monthly Results Of CSB Bank With
Figures in Rs cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
2,616.25
23,278.78
-20,662.53
-88.76%
Income On Investments
438.84
4,354.90
-3,916.06
-89.92%
Interest On Balances With Rbi Other Inter Bank Funds
13.05
291.40
-278.35
-95.52%
Interest / Discount On Advances / Bills
2,143.13
17,464.10
-15,320.97
-87.73%
Others
21.23
1,168.38
-1,147.15
-98.18%
Other Income
590.59
4,117.60
-3,527.01
-85.66%
Total Income
3,206.84
27,396.38
-24,189.54
-88.29%
Interest Expended
1,511.35
16,610.78
-15,099.43
-90.9%
Net Interest Income
1,104.90
6,668.00
-5,563.10
-83.43%
Total Expenditure (Excl Depreciation)
1,102.00
7,846.02
-6,744.02
-85.95%
Employee Cost
557.91
2,991.59
-2,433.68
-81.35%
Other Operating Expenses
544.09
4,854.43
-4,310.34
-88.79%
Operating Profit Before Provisions and Contingencies
593.49
2,939.58
-2,346.09
-79.81%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
50.50
767.55
-717.05
-93.42%
Profit Before Tax
542.99
2,172.03
-1,629.04
-75.0%
Tax
139.63
504.29
-364.66
-72.31%
Profit After Tax
403.36
1,667.74
-1,264.38
-75.81%
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
403.36
1,667.74
-1,264.38
-75.81%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
15.42%
7.16%
0.00
8.26%
Net Interest Margin
4.11%
2.40%
1.71
1.71%
Return on Assets
1.48%
0.00%
1.48
1.48%
CASA (%)
24.07%
33.10%
-9.03
-9.03%
CASA Amount
0.00
91,650.00
-91,650.00
-100.0%
Capital Adequacy Ratio (Total)
21.08%
15.20%
5.88
5.88%
Capital Adequacy Ratio (Tier 1)
19.73%
12.59%
7.14
7.14%
Provision Coverage Ratio (%)
81.47%
71.20%
10.27
10.27%
Amount of Gross NPAs
458.17
3,963.47
-3,505.30
-88.44%
Amount of Net NPAs
182.71
1,142.62
-959.91
-84.01%
% of Net NPAs
0.64%
0.50%
0.14
0.14%
% of Gross NPAs
1.58%
1.60%
-0.02
-0.02%
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
777.00
1,326.00
-549.00
-41.4%
Number of Branches
807.00
1,247.00
-440.00
-35.28%
Nine Monthly - Interest Earned
Interest Earned 2616.25 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 22.68% vs 26.71% in Dec 2023
Nine Monthly - Net Profit
Net Profit 403.36 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is -2.89% vs 6.22% in Dec 2023
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 593.49 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 7.53% vs 9.18% in Dec 2023
Nine Monthly - % of Net NPAs
% of Net NPAs 0.64%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is 0.33% vs -0.11% in Dec 2023
Nine Monthly - % of Gross NPAs
% of Gross NPAs 1.58%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is 0.36% vs -0.23% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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