CSB Bank Ltd
CSB Bank (formerly The Catholic Syrian Bank Ltd) is engaged in the business of banking Services ,oldest private sector banks in India with a history of over 98 years, and a strong base in Kerala , Bank focus on SME, retail, and NRI customers.(Source : Company Web-site )
- Market Cap ₹ 6,099 Cr.
- Current Price ₹ 352
- High / Low ₹ 403 / 266
- Stock P/E 10.3
- Book Value ₹ 259
- Dividend Yield 0.00 %
- ROCE 7.11 %
- ROE 14.3 %
- Face Value ₹ 10.0
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Contingent liabilities of Rs.3,002 Cr.
- Earnings include an other income of Rs.972 Cr.
- Promoter holding has decreased over last 3 years: -9.72%
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Private Sector
Part of BSE SmallCap BSE Allcap BSE Financial Services Nifty Microcap 250 Nifty Total Market
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
1,504 | 1,545 | 1,483 | 1,336 | 1,297 | 1,348 | 1,510 | 1,872 | 2,038 | 2,320 | 2,928 | 3,597 | |
Interest | 1,125 | 1,189 | 1,159 | 1,023 | 912 | 908 | 918 | 931 | 885 | 986 | 1,451 | 2,121 |
442 | 555 | 643 | 589 | 644 | 859 | 656 | 911 | 748 | 873 | 1,244 | 1,649 | |
Financing Profit | -63 | -199 | -319 | -275 | -259 | -419 | -64 | 30 | 405 | 461 | 233 | -173 |
Financing Margin % | -4% | -13% | -22% | -21% | -20% | -31% | -4% | 2% | 20% | 20% | 8% | -5% |
117 | 127 | 105 | 281 | 125 | 136 | 222 | 303 | 247 | 316 | 584 | 972 | |
Depreciation | 7 | 11 | 14 | 15 | 16 | 17 | 24 | 41 | 38 | 43 | 56 | 0 |
Profit before tax | 47 | -82 | -228 | -9 | -149 | -300 | 134 | 293 | 614 | 734 | 761 | 800 |
Tax % | 34% | -35% | -34% | -117% | -35% | -34% | 90% | 25% | 25% | 25% | 26% | 26% |
31 | -53 | -150 | 2 | -97 | -197 | 13 | 218 | 458 | 547 | 567 | 594 | |
EPS in Rs | 7.40 | -8.81 | -20.88 | 0.19 | -12.04 | -22.98 | 0.73 | 12.59 | 26.43 | 31.55 | 32.67 | 34.23 |
Dividend Payout % | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 9% |
5 Years: | 19% |
3 Years: | 21% |
TTM: | 23% |
Compounded Profit Growth | |
---|---|
10 Years: | 29% |
5 Years: | 114% |
3 Years: | 9% |
TTM: | 5% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 25% |
3 Years: | 24% |
1 Year: | 4% |
Return on Equity | |
---|---|
10 Years: | 9% |
5 Years: | 16% |
3 Years: | 16% |
Last Year: | 14% |
Balance Sheet
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 42 | 60 | 72 | 81 | 81 | 86 | 174 | 174 | 174 | 174 | 174 | 174 |
Reserves | 578 | 828 | 821 | 918 | 808 | 1,346 | 1,787 | 2,007 | 2,478 | 3,030 | 3,630 | 4,324 |
Deposits | 13,674 | 14,474 | 14,438 | 14,912 | 14,691 | 15,124 | 15,791 | 19,140 | 20,188 | 24,506 | 29,719 | 36,861 |
Borrowing | 556 | 45 | 42 | 42 | 42 | 0 | 794 | 1,426 | 2,007 | 783 | 1,757 | 5,546 |
316 | 351 | 279 | 271 | 249 | 356 | 319 | 591 | 509 | 670 | 776 | 931 | |
Total Liabilities | 15,165 | 15,760 | 15,652 | 16,223 | 15,870 | 16,911 | 18,864 | 23,337 | 25,356 | 29,162 | 36,056 | 47,836 |
48 | 175 | 215 | 215 | 216 | 218 | 253 | 269 | 288 | 319 | 406 | 629 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 5,132 | 4,427 | 5,987 | 5,762 | 4,114 | 4,028 | 5,360 | 6,126 | 7,012 | 5,849 | 7,551 | 11,389 |
9,985 | 11,158 | 9,450 | 10,246 | 11,540 | 12,666 | 13,251 | 16,942 | 18,057 | 22,994 | 28,099 | 35,818 | |
Total Assets | 15,165 | 15,760 | 15,652 | 16,223 | 15,870 | 16,911 | 18,864 | 23,337 | 25,356 | 29,162 | 36,056 | 47,836 |
Cash Flows
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-356 | -166 | 395 | 27 | -893 | -1,109 | 1,374 | -858 | 2,211 | 1,783 | -5,256 | ||
-16 | -13 | -17 | -18 | -22 | -235 | -1,231 | 136 | -724 | -1,439 | 1,904 | ||
97 | 106 | 106 | -5 | 674 | 1,310 | 632 | 581 | -1,224 | 974 | 3,789 | ||
Net Cash Flow | -276 | -72 | 485 | 4 | -242 | -34 | 775 | -140 | 263 | 1,318 | 437 |
Ratios
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 5% | -7% | -17% | 0% | -10% | -17% | 1% | 11% | 19% | 19% | 16% | 14% |
Documents
Announcements
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Transfer Of Equity Shares From CSB ESOS Trust
7h - Transfer of 9,000 shares from CSB ESOS Trust on exercise of vested stock options.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
15 May - Participation in the Analyst /Institutional Investor Meeting held on May 15, 2025
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Approval Of Reserve Bank Of India For Appointment Of Mr. Biswamohan Mahapatra (DIN: 06990345) As Non-Executive Part-Time Chairman Of The Bank
9 May - RBI approves Mr. Biswamohan Mahapatra as CSB Bank's Non-executive Part-Time Chairman for three years.
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 9 May
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
6 May - CSB Bank Q4 FY25: 5% profit growth, strong loan/deposit growth, tech migration underway, stable asset quality.
Annual reports
Concalls
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Jul 2020TranscriptPPT
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Feb 2020Transcript PPT
Business Segments FY24
1. Retail Banking (~59%): Offers products like CASA accounts, deposits, loans, forex, credit cards, gold loans, and personal loans.
2. Wholesale Banking (23%): Caters to corporate clients, focusing on corporate lending, capital markets, securitization, and supply chain finance.
3. Treasury Management (14%): Manages statutory reserves, asset-liability, liquidity, investments, trading in fixed-income securities, and foreign exchange operations.
4. SME Banking (~4%): Includes the Business Banking and Emerging Enterprise segments.. [1] [2]