CSB Bank Limited (NSE: CSBBANK)

CSB Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	25,647	29,275	23,197	20,383	18,723	15,099
Interest Income on Investments	5,113	-	-	-	-	-
Total Interest Income	30,761	29,275	23,197	20,383	18,723	15,099
Interest Paid on Deposits	16,017	14,511	9,858	8,850	9,309	9,176
Total Interest Expense	16,017	14,511	9,858	8,850	9,309	9,176
Net Interest Income	14,744	14,764	13,338	11,533	9,414	5,923
Net Interest Income Growth (YoY)	6.29%	10.69%	15.65%	22.51%	58.94%	34.62%
Gain (Loss) on Sale of Assets	-	-1.3	2.51	4.07	0.72	-6.37
Gain (Loss) on Sale of Investments	-	476.51	24.42	114.98	1,020	301.97
Other Non-Interest Income	6,362	5,368	3,133	2,349	2,011	1,920
Total Non-Interest Income	6,362	5,843	3,160	2,468	3,031	2,216
Non-Interest Income Growth (YoY)	66.24%	84.90%	28.04%	-18.58%	36.79%	63.05%
Revenues Before Loan Losses	21,106	20,607	16,499	14,001	12,445	8,139
Provision for Loan Losses	338.1	184.8	-262.12	-5.13	1,225	1,466
Revenue	20,768	20,422	16,761	14,006	11,220	6,673
Revenue Growth (YoY)	15.83%	21.85%	19.67%	24.83%	68.14%	82.78%
Salaries and Employee Benefits	7,076	7,068	5,480	4,692	4,962	3,313
Occupancy Expenses	1,277	2,021	1,589	1,345	1,152	938.4
Selling, General & Administrative	78.9	483.14	347.9	263.76	203.83	225.91
Other Non-Interest Expense	4,965	3,156	1,959	1,436	972	856.16
Total Non-Interest Expense	13,396	12,808	9,425	7,864	7,290	5,333
EBT Excluding Unusual Items	7,372	7,614	7,336	6,142	3,930	1,340
Other Unusual Items	-	-	-	-	-1,005	-
Pretax Income	7,372	7,614	7,336	6,142	2,926	1,340
Income Tax Expense	1,893	1,946	1,863	1,557	741.5	1,213
Net Income	5,479	5,668	5,474	4,585	2,184	127.25
Net Income to Common	5,479	5,668	5,474	4,585	2,184	127.25
Net Income Growth	-3.04%	3.56%	19.38%	109.93%	1616.35%	-
Basic Shares Outstanding	174	173	173	173	173	144
Diluted Shares Outstanding	174	173	173	173	174	144
Shares Change (YoY)	0.01%	-	-	-0.01%	20.61%	72.93%
EPS (Basic)	31.58	32.67	31.55	26.43	12.59	0.88
EPS (Diluted)	31.58	32.67	31.55	26.43	12.59	0.88
EPS Growth	-3.04%	3.55%	19.38%	109.92%	1330.68%	-
Effective Tax Rate	25.67%	25.56%	25.39%	25.36%	25.35%	90.50%

Source: S&P Capital IQ. Banks template. Financial Sources.