CSB Bank Limited
CSB Bank Limited provides banking and financial services for small and medium enterprises, retail, and non-resident individuals in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers savings and current, salary/payroll, and fixed and recurring deposit accounts, as well as family banking and segmented products; insurance products, such as life, health, and general insurances, as well as social security schemes; personal, gold, vehicle, home, small business, agriculture, and educational loans, as well as MFI Loans, two-wheeler loans, and healthcare finance; loan against securities and property; doorstep banking services, such as cash pickup and cash delivery, and cheque pickup and reconciliation; and corporate internet banking. The company also provides investment services, such as e-trade and sovereign gold bond; credit and debit cards; digital access and value added services; NRI banking services including NRO, NRE, FCNR, and RFC accounts; and forex services, including outward remittance, foreign currency cash, and integrated treasury services, as well as Agri-banking and financial inclusion services. In addition, it offers SME and corporate banking services, which includes term and working capital loans, export and import finance, letter of credit, buyer and suppliers credit, commercial vehicle and consumption loans, bill discounting, trade and bill finance, cash management, and bank guarantee; ATMs and CDMs; internet, mobile, and WhatsApp banking; and locker facilities. CSB Bank Limited was formerly known as The Catholic Syrian Bank Limited. CSB Bank Limited was incorporated in 1920 and is headquartered in Thrissur, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 112.8%
Concerns1
- Other income is 76.7% of PBT β a large share of earnings is non-operating
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ3.60 K Cr | β | βΉ594.00 Cr | β | β | β | 22.8% | 4.8% |
| Mar 2024 | βΉ2.93 K Cr | β | βΉ567.00 Cr | β | β | β | 26.2% | 3.7% |
| Mar 2023 | βΉ2.32 K Cr | β | βΉ547.00 Cr | β | β | β | 13.8% | 19.4% |
| Mar 2022 | βΉ2.04 K Cr | β | βΉ458.00 Cr | β | β | β | 8.9% | 110.1% |
| Mar 2021 | βΉ1.87 K Cr | β | βΉ218.00 Cr | β | β | β | 24.0% | 1576.9% |
| Mar 2020 | βΉ1.51 K Cr | β | βΉ13.00 Cr | β | β | β | 12.0% | -106.6% |
| Mar 2019 | βΉ1.35 K Cr | β | βΉ-197.00 | β | β | β | 3.9% | 103.1% |
| Mar 2018 | βΉ1.30 K Cr | β | βΉ-97.00 | β | β | β | -2.9% | -4950.0% |
| Mar 2017 | βΉ1.34 K Cr | β | βΉ2.00 Cr | β | β | β | -9.9% | -101.3% |
| Mar 2016 | βΉ1.48 K Cr | β | βΉ-150.00 | β | β | β | -4.0% | 183.0% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 4,050 |
| Finance Costs | 2,501 |
| Total Expenses | 1,909 |
| Financing Profit | -359 |
| Financing Margin % | -9% |
| Other Income | 1,195 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 836 |
| Tax % | - |
| Net Profit / PAT | 621 |
| EPS (βΉ) | 35.80 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| CSB Bank Limitedthis co. | βΉ8.99 K Cr | βΉ3.60 K Cr | 14.50 | 1.92 | 0.00 | 22.8% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |