| CSB Bank | Q3FY23 | Q3FY22 | YoY% | Q2FY23 |
|---|---|---|---|---|
| Interest Earned | 592.05 | 527.65 | 12.21% | 555.18 |
| Other Income | 89.9 | 52.16 | 72.35% | 44.94 |
| Total Income | 681.95 | 579.81 | 17.62% | 600.12 |
| Interest Expended | 242.31 | 224.31 | 230.21 | |
| Operating Expenses | 246.2 | 207.95 | 212.55 | |
| Total Expenditure | 488.51 | 432.26 | 442.76 | |
| Operating Profit before Prov.& Cont. | 193.44 | 147.55 | 157.36 | |
| Provisions and Contingencies | -14.96 | -50.56 | -3.73 | |
| Profit Before Tax | 208.4 | 198.11 | 161.09 | |
| Tax | 52.45 | 49.86 | 40.54 | |
| Profit After Tax | 155.95 | 148.25 | 5.19% | 120.55 |
| EPS | 8.99 | 8.55 | 5.15% | 6.95 |
| Q3FY23 | Q3FY22 | YoY% | Q2FY23 | |
| — | — | — | — | — |
| Net interest income (in cr) | 350 | 303 | 15.51% | 325 |
| Net interest margin % | 5.80% | 5.41% | 5.60% | |
| Gross NPA % | 1.45% | 2.62% | 1.65% | |
| Net NPA % | 0.42% | 1.36% | 0.57% | |
| Branches | Dec-2022 | Dec-2021 | ||
| Metro | 133 | 116 | ||
| Urban | 134 | 114 | ||
| Semi-urban | 329 | 286 | ||
| Rural | 47 | 43 | ||
| Total branches | 643 | 559 | ||
| Loan portfolio bifurcation | Q3FY23 | Q3FY22 | ||
| — | — | — | ||
| Gold loan | 45.40% | 37.30% | ||
| Corporate loan | 29.80% | 34.45% | ||
| Retail loan | 13.00% | 13.50% | ||
| SME loan | 11.80% | 14.80% | ||
| Sector wise allocation | Q3FY23 | Q3FY22 | ||
| Agri & allied | 41% | 34% | ||
| Industry (textile, construction, infra) | 13% | 14% | ||
| Services (NBFC, HFC, wholesale, retail) | 31% | 30% | ||
| Retail & others | 15% | 23% | ||
| Q3FY23 | Q3FY22 | |||
| Total cost of deposits | 4.30% | 4.24% | ||
| Yield on advances | 11.02% | 11.59% | ||
| Yield on Investments | 6.41% | 5.54% | ||
| In cr | Q3FY23 | Q3FY22 | YoY% | |
| — | — | — | — | |
| CASA | 7,126.0 | 6,587.0 | 8.18% | |
| Term deposits | 15,538.0 | 12,469.0 | 24.61% | |
| Total deposits | 22,664.0 | 19,056.0 | 18.93% | |
| CASA% | 31.44% | 34.57% | ||
| Q3FY23 | Q3FY22 | |||
| ROE | 22.64% | 26.85% | ||
| ROA | 2.37% | 2.42% | ||
| Book value per share (in rs.) | 167 | 136 | ||
| Cost to income % | 56.00% | 58.49% |
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