Financials of CSB Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of CSB Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +6366836877627958328659199811,0411,1091,1541,201
Interest288319344379409470497544610662686701737
Expenses +263307308308376381380391496465557524500
Financing Profit8557357510-19-13-15-125-85-134-71-36
Financing Margin %13%8%5%10%1%-2%-2%-2%-13%-8%-12%-6%-3%
Other Income +126120143125197172199219381245349276306
Depreciation0000000000000
Profit before tax211177178200206152186204257160216205271
Tax %26%25%25%25%27%26%26%26%26%26%26%26%26%
Net Profit +156132133150151113138152190119160153202
EPS in Rs9.017.627.688.648.736.537.988.7410.986.849.248.8011.62
Gross NPA %1.26%1.27%1.27%1.22%1.47%1.69%1.68%1.58%1.57%1.84%1.81%1.96%1.66%
Net NPA %0.35%0.32%0.33%0.31%0.51%0.68%0.69%0.64%0.52%0.66%0.52%0.67%0.40%

Financials of CSB Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1,5451,4831,3361,2971,3481,5101,8722,0382,3202,9283,5974,505
Interest1,1891,1591,0239129089189318859861,4512,1212,785
Expenses +5556435896448596569117488731,2441,5722,046
Financing Profit-199-319-275-259-419-6430405461233-96-325
Financing Margin %-13%-22%-21%-20%-31%-4%2%20%20%8%-3%-7%
Other Income +1271052811251362223032473165849721,177
Depreciation11141516172441384356760
Profit before tax-82-228-9-149-300134293614734761800851
Tax %-35%-34%-117%-35%-34%90%25%25%25%26%26%26%
Net Profit +-53-1502-97-19713218458547567594633
EPS in Rs-8.81-20.880.19-12.04-22.980.7312.5926.4331.5532.6734.2336.50
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Financials of CSB Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital6072818186174174174174174174174
Reserves8288219188081,3461,7872,0072,4783,0303,6304,3244,721
Deposits14,47414,43814,91214,69115,12415,79119,14020,18824,50629,71936,86144,246
Borrowing4542424207941,4262,0077831,7575,5467,154
Other Liabilities +3512792712493563195915096707769311,432
Total Liabilities15,76015,65216,22315,87016,91118,86423,33725,35629,16236,05647,83657,727
Fixed Assets +175215215216218253269288319406450710
CWIP00000000001790
Investments4,4275,9875,7624,1144,0285,3606,1267,0125,8497,55111,38911,955
Other Assets +11,1589,45010,24611,54012,66613,25116,94218,05722,99428,09935,81845,061
Total Assets15,76015,65216,22315,87016,91118,86423,33725,35629,16236,05647,83657,727

Financials of CSB Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-356-16639527-893-1,1091,374-8522,2111,783-5,256-314
Cash from Investing Activity +-16-13-17-18-22-235-1,231131-724-1,4391,904-790
Cash from Financing Activity +97106106-56741,310632581-1,2249743,7891,608
Net Cash Flow-276-724854-242-34775-1402631,318437505
Free Cash Flow-372-1783789-915-1,1531,318-9082,1371,667-5,555-502
CFO/OP-36%-19%53%4%-181%-127%142%-58%165%119%-249%-3%

Financials of CSB Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-7%-17%0%-10%-17%1%11%19%19%16%14%13%