CSB Bank Ltd

CSB Bank Ltd

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About

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 )

Key Points

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]

  • Market Cap Cr.
  • Current Price
  • High / Low /
  • Stock P/E
  • Book Value
  • Dividend Yield %
  • ROCE %
  • ROE %
  • Face Value

Pros

Cons

* 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.

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Quarterly Results

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Dividend Payout %
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Figures in Rs. Crores

Equity Capital
Reserves
Borrowing
Total Liabilities
CWIP
Investments
Total Assets

Cash Flows

Figures in Rs. Crores

Net Cash Flow
Free Cash Flow
CFO/OP

Ratios

Figures in Rs. Crores

ROE %

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Net NPA
% ・Standalone data

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Number of Branches
Number ・Standalone data
CASA Ratio
% ・Standalone data
Gold Loan Book Size
₹ Crore ・Standalone data
Net Interest Margin (NIM)
% ・Standalone data
Gold Loan LTV
% ・Standalone data
Gold Loan Tonnage
Tonnes ・Standalone data

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
49.72% 49.72% 49.72% 49.72% 49.72% 40.00% 40.00% 40.00% 40.00% 40.00% 40.00% 40.00%
5.73% 5.89% 4.65% 4.62% 4.93% 12.42% 12.71% 12.80% 13.07% 15.37% 14.23% 14.16%
11.61% 12.19% 14.35% 16.07% 15.94% 18.71% 17.59% 17.06% 16.89% 14.63% 16.10% 15.64%
30.07% 29.32% 28.43% 26.74% 26.80% 26.34% 27.18% 27.63% 27.65% 27.62% 27.29% 27.86%
2.88% 2.88% 2.88% 2.86% 2.62% 2.54% 2.53% 2.52% 2.40% 2.39% 2.39% 2.35%
No. of Shareholders 56,75257,08755,52962,95863,49767,00476,57978,65478,23665,04464,75463,067

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Concalls