CSB Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Mar'19

Interest Earned

3,597.14

2,927.54

2,319.65

2,038.32

1,872.30

1,509.89

1,347.52

Income On Investments

621.73

423.99

404.61

380.92

459.30

309.87

347.37

Interest On Balances With Rbi Other Inter Bank Funds

19.86

14.76

11.15

46.52

5.06

5.86

31.53

Interest / Discount On Advances / Bills

2,930.64

2,460.14

1,888.13

1,597.28

1,375.95

1,162.11

968.62

Others

24.91

28.65

15.76

13.60

31.99

32.05

0.00

Other Income

972.06

584.29

315.68

246.79

303.12

221.61

135.92

Total Income

4,569.20

3,511.83

2,635.33

2,285.11

2,175.42

1,731.50

1,483.44

Interest Expended

2,120.97

1,451.13

985.81

885.01

930.91

917.60

907.56

Net Interest Income

1,476.17

1,476.41

1,333.84

1,153.31

941.39

592.29

439.96

Total Expenditure (Excl Depreciation)

1,537.99

1,280.78

942.12

786.38

728.99

533.32

562.53

Employee Cost

754.25

714.71

552.82

481.87

496.23

331.27

384.43

Other Operating Expenses

783.74

566.07

389.30

304.51

232.76

202.05

178.10

Operating Profit Before Provisions and Contingencies

910.24

779.92

707.40

613.72

515.52

280.58

13.35

Exceptional Items

0.00

Provisions and contingencies

110.71

18.48

-26.21

-0.51

222.97

146.58

313.45

Profit Before Tax

799.53

761.44

733.61

614.23

292.55

134.00

-300.10

Tax

205.73

194.62

186.25

155.74

74.15

121.28

-102.68

Profit After Tax

593.80

566.82

547.36

458.49

218.40

12.72

-197.42

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

593.80

566.82

547.36

458.49

218.40

12.72

-197.42

Face Value

10.0

Reserves

4,150.36

3,454.27

2,878.07

2,324.64

1,852.22

1,630.94

536.55

Earnings per share (EPS)

34.22

32.66

31.54

26.42

12.58

0.73

-22.96

Diluted Earnings per share

34.23

32.67

31.55

26.43

12.59

0.88

-23.73

Operating Profit Margin (Excl OI)

54.17%

55.62%

60.52%

61.45%

49.16%

54.97%

34.99%

Gross Profit Margin

22.23%

26.01%

31.63%

30.13%

15.63%

8.87%

-22.27%

PAT Margin

16.51%

19.36%

23.6%

22.49%

11.66%

0.84%

-14.65%

Net Interest Margin

4.13%

5.09%

5.48%

5.27%

4.81%

3.74%

0.0%

Return on Assets

0.0%

2.06%

0.0%

CASA (%)

24.19%

27.2%

32.18%

33.66%

32.19%

29.17%

27.84%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

22.46%

24.47%

27.1%

25.9%

21.37%

22.46%

16.7%

Capital Adequacy Ratio (Tier 1)

20.59%

23.1%

25.87%

24.35%

19.96%

21.79%

16.03%

Provision Coverage Ratio (%)

83.71%

86.44%

92.11%

89.65%

84.89%

80.02%

78.16%

Amount of Gross NPAs

498.46

361.07

262.56

289.51

393.49

409.43

530.62

Amount of Net NPAs

163.53

124.90

71.82

106.99

168.81

216.94

240.68

% of Net NPAs

0.52%

0.51%

0.35%

0.68%

1.17%

1.91%

2.27%

% of Gross NPAs

1.57%

1.47%

1.26%

1.81%

2.68%

3.54%

4.87%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

791.0

731.0

528.0

465.0

320.0

300.0

0.0

Number of Branches

829.0

779.0

703.0

603.0

514.0

411.0

0.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2025 is 22.87% vs 26.21% in Mar 2024

Net Profit

YoY Growth in year ended Mar 2025 is 4.76% vs 3.56% in Mar 2024

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 16.71% vs 10.25% in Mar 2024

% of Net NPAs

YoY Growth in year ended Mar 2025 is 0.01% vs 0.16% in Mar 2024

% of Gross NPAs

YoY Growth in year ended Mar 2025 is 0.10% vs 0.21% in Mar 2024

Compare Annual Results Of CSB Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

3,597.14

9,013.60

-5,416.46

-60.09%

Income On Investments

621.73

1,466.22

-844.49

-57.6%

Interest On Balances With Rbi Other Inter Bank Funds

19.86

41.37

-21.51

-51.99%

Interest / Discount On Advances / Bills

2,930.64

7,009.38

-4,078.74

-58.19%

Others

24.91

496.63

-471.72

-94.98%

Other Income

972.06

1,269.52

-297.46

-23.43%

Total Income

4,569.20

10,283.12

-5,713.92

-55.57%

Interest Expended

2,120.97

5,703.22

-3,582.25

-62.81%

Net Interest Income

1,476.17

3,310.38

-1,834.21

-55.41%

Total Expenditure (Excl Depreciation)

1,537.99

2,752.86

-1,214.87

-44.13%

Employee Cost

754.25

1,538.40

-784.15

-50.97%

Other Operating Expenses

783.74

1,214.46

-430.72

-35.47%

Operating Profit Before Provisions and Contingencies

910.24

1,827.04

-916.80

-50.18%

Exceptional Items

0.00

Provisions and contingencies

110.71

186.44

-75.73

-40.62%

Profit Before Tax

799.53

1,640.60

-841.07

-51.27%

Tax

205.73

368.23

-162.50

-44.13%

Profit After Tax

593.80

1,272.37

-678.57

-53.33%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

593.80

1,272.37

-678.57

-53.33%

Face Value

10.00

0.00

Reserves

4,150.36

11,208.17

-7,057.81

-62.97%

Earnings per share (EPS)

34.22

33.67

0.55

1.63%

Diluted Earnings per share

34.23

33.61

0.62

1.84%

Operating Profit Margin (Excl OI)

54.17%

67.39%

0.00

-13.22%

Gross Profit Margin

22.23%

18.20%

0.00

4.03%

PAT Margin

16.51%

14.12%

0.00

2.39%

Net Interest Margin

4.13%

3.19%

0.94

0.94%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

24.19%

31.75%

-7.56

-7.56%

CASA Amount

0.00

33,281.00

-33,281.00

-100.0%

Capital Adequacy Ratio (Total)

22.46%

19.85%

2.61

2.61%

Capital Adequacy Ratio (Tier 1)

20.59%

18.40%

2.19

2.19%

Provision Coverage Ratio (%)

83.71%

81.42%

2.29

2.29%

Amount of Gross NPAs

498.46

2,402.08

-1,903.62

-79.25%

Amount of Net NPAs

163.53

1,004.55

-841.02

-83.72%

% of Net NPAs

0.52%

1.31%

-0.79

-0.79%

% of Gross NPAs

1.57%

3.08%

-1.51

-1.51%

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

791.00

1,516.00

-725.00

-47.82%

Number of Branches

829.00

952.00

-123.00

-12.92%

Annual - Interest Earned

Interest Earned 3597.14 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 22.87% vs 26.21% in Mar 2024

Annual - Net Profit

Net Profit 593.80 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 4.76% vs 3.56% in Mar 2024

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 910.24 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 16.71% vs 10.25% in Mar 2024

Annual - % of Net NPAs

% of Net NPAs 0.52%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is 0.01% vs 0.16% in Mar 2024

Annual - % of Gross NPAs

% of Gross NPAs 1.57%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is 0.10% vs 0.21% in Mar 2024