| Key Financial Ratios of CSB Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
34.23 |
32.67 |
31.55 |
26.43 |
12.59 |
|
| Diluted EPS (Rs.) |
34.23 |
32.67 |
31.55 |
26.43 |
12.59 |
|
| Cash EPS (Rs.) |
38.62 |
35.86 |
34.03 |
28.61 |
14.93 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
259.18 |
209.05 |
175.85 |
143.96 |
116.73 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
259.18 |
219.18 |
184.61 |
152.78 |
125.63 |
|
| Dividend/Share (Rs.) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
207.28 |
168.70 |
133.67 |
117.46 |
107.89 |
|
| Net Profit/Share (Rs.) |
34.22 |
32.66 |
31.54 |
26.42 |
12.59 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
4,723,141.28 |
3,723,187.46 |
3,390,810.41 |
4,371,244.48 |
4,479,173.44 |
|
| Net Profit/ Employee (Rs.) |
779,671.35 |
720,872.19 |
800,118.99 |
983,259.70 |
522,488.52 |
|
| Business/ Employee (Rs.) |
89,769,612.13 |
68,745,236.30 |
66,008,561.91 |
77,209,900.06 |
80,330,538.28 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
43,391,367.91 |
37,580,774.07 |
32,996,492.18 |
33,802,840.80 |
36,568,251.95 |
|
| Net Profit/ Branches (Rs.) |
7,162,819.06 |
7,276,274.71 |
7,786,079.66 |
7,603,548.92 |
4,265,628.91 |
|
| Business/ Branches (Rs.) |
824,710,936.07 |
693,894,471.12 |
642,339,362.73 |
597,064,285.24 |
655,823,535.16 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
1.94 |
2.21 |
2.48 |
2.47 |
2.69 |
|
| CASA (%) |
24.19 |
27.20 |
32.18 |
33.65 |
32.19 |
|
| Net Profit Margin (%) |
16.50 |
19.36 |
23.59 |
22.49 |
11.66 |
|
| Operating Profit Margin (%) |
24.25 |
27.50 |
33.17 |
32.74 |
16.27 |
|
| Return on Assets (%) |
1.24 |
1.57 |
1.87 |
1.80 |
0.93 |
|
| Return on Equity / Networth (%) |
13.20 |
15.62 |
17.93 |
18.35 |
10.78 |
|
| Net Interest Margin (X) |
3.08 |
4.09 |
4.57 |
4.54 |
4.03 |
|
| Cost to Income (%) |
62.82 |
62.15 |
57.12 |
56.16 |
54.31 |
|
| Interest Income/Total Assets (%) |
7.51 |
8.11 |
7.95 |
8.03 |
8.02 |
|
| Non-Interest Income/Total Assets (%) |
2.03 |
1.62 |
1.08 |
0.97 |
1.71 |
|
| Operating Profit/Total Assets (%) |
-0.79 |
-0.04 |
0.79 |
0.83 |
-0.78 |
|
| Operating Expenses/Total Assets (%) |
3.21 |
3.55 |
3.23 |
3.10 |
3.12 |
|
| Interest Expenses/Total Assets (%) |
4.43 |
4.02 |
3.38 |
3.49 |
3.98 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
44,465.68 |
34,530.65 |
28,085.31 |
24,919.31 |
23,868.06 |
|
| EV Per Net Sales (X) |
12.36 |
11.80 |
12.11 |
12.23 |
12.75 |
|
| Price To Book Value (X) |
1.17 |
1.69 |
1.40 |
1.47 |
1.99 |
|
| Price To Sales (X) |
1.46 |
2.10 |
1.84 |
1.80 |
2.16 |
|
| Retention Ratios (%) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.11 |
0.09 |
0.13 |
0.12 |
0.05 |
|
Source : Dion Global Solutions Limited
