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;… Read more
CSB Bank Limited (CSBBANK) - Net Assets
Latest net assets as of September 2025: ₹47.00 Billion INR
Based on the latest financial reports, CSB Bank Limited (CSBBANK) has net assets worth ₹47.00 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹500.20 Billion) and total liabilities (₹453.20 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹47.00 Billion |
| % of Total Assets | 9.4% |
| Annual Growth Rate | 18.41% |
| 5-Year Change | 106.3% |
| 10-Year Change | 403.78% |
| Growth Volatility | 50.43 |
CSB Bank Limited - Net Assets Trend (2010–2025)
This chart illustrates how CSB Bank Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for CSB Bank Limited (2010–2025)
The table below shows the annual net assets of CSB Bank Limited from 2010 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹44.98 Billion | +18.25% |
| 2024-03-31 | ₹38.04 Billion | +18.73% |
| 2023-03-31 | ₹32.04 Billion | +20.83% |
| 2022-03-31 | ₹26.51 Billion | +21.61% |
| 2021-03-31 | ₹21.80 Billion | +11.20% |
| 2020-03-31 | ₹19.61 Billion | +101.30% |
| 2019-03-31 | ₹9.74 Billion | +175.42% |
| 2018-03-31 | ₹3.54 Billion | -35.25% |
| 2017-03-31 | ₹5.46 Billion | -38.83% |
| 2016-03-31 | ₹8.93 Billion | +0.48% |
| 2015-03-31 | ₹8.88 Billion | +15.38% |
| 2014-03-31 | ₹7.70 Billion | +32.77% |
| 2013-03-31 | ₹5.80 Billion | +9.61% |
| 2012-03-31 | ₹5.29 Billion | +4.20% |
| 2011-03-31 | ₹5.08 Billion | +42.42% |
| 2010-03-31 | ₹3.57 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to CSB Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 962040700000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹9.56 Billion | 21.26% |
| Common Stock | ₹1.74 Billion | 3.86% |
| Other Comprehensive Income | ₹15.64 Billion | 34.77% |
| Other Components | ₹18.04 Billion | 40.11% |
| Total Equity | ₹44.98 Billion | 100.00% |
CSB Bank Limited Competitors by Market Cap
The table below lists competitors of CSB Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
PowerFleet, Inc.
NASDAQ:AIOT
|
$383.57 Million |
|
Shenzhen Emperor Technology Co Ltd
SHE:300546
|
$383.64 Million |
|
Shandong Synthesis Electronic Technology Co Ltd
SHE:300479
|
$383.73 Million |
|
Yellow Hat Ltd.
PINK:YLLWF
|
$383.75 Million |
|
Weihai Guangtai Airport Equipment Co Ltd
SHE:002111
|
$383.43 Million |
|
Sierra Bancorp
NASDAQ:BSRR
|
$383.23 Million |
|
Shenzhen King Brother Electronics Technology Co.Ltd.
SHE:301041
|
$383.19 Million |
|
New Hope Dairy Co Ltd
SHE:002946
|
$383.09 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CSB Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 38,036,468,000 to 44,977,300,000, a change of 6,940,832,000 (18.2%).
- Net income of 5,937,977,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 3,571,479,000.
- Other factors decreased equity by 2,568,624,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹5.94 Billion | +13.2% |
| Other Comprehensive Income | ₹3.57 Billion | +7.94% |
| Other Changes | ₹-2.57 Billion | -5.71% |
| Total Change | ₹- | 18.25% |
Book Value vs Market Value Analysis
This analysis compares CSB Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.36x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.13x to 1.36x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2010-03-31 | ₹112.91 | ₹353.65 | x |
| 2011-03-31 | ₹160.80 | ₹353.65 | x |
| 2012-03-31 | ₹141.97 | ₹353.65 | x |
| 2013-03-31 | ₹155.45 | ₹353.65 | x |
| 2014-03-31 | ₹158.07 | ₹353.65 | x |
| 2015-03-31 | ₹175.40 | ₹353.65 | x |
| 2016-03-31 | ₹143.02 | ₹353.65 | x |
| 2017-03-31 | ₹38.21 | ₹353.65 | x |
| 2018-03-31 | ₹24.74 | ₹353.65 | x |
| 2019-03-31 | ₹117.08 | ₹353.65 | x |
| 2020-03-31 | ₹136.29 | ₹353.65 | x |
| 2021-03-31 | ₹125.66 | ₹353.65 | x |
| 2022-03-31 | ₹152.83 | ₹353.65 | x |
| 2023-03-31 | ₹184.66 | ₹353.65 | x |
| 2024-03-31 | ₹219.25 | ₹353.65 | x |
| 2025-03-31 | ₹259.27 | ₹353.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CSB Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.20%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.99%
- • Asset Turnover: 0.10x
- • Equity Multiplier: 10.64x
- Recent ROE (13.20%) is above the historical average (-0.08%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2010 | -1.74% | -0.96% | 0.08x | 21.50x | ₹-418.45 Million |
| 2011 | 3.93% | 2.42% | 0.08x | 19.28x | ₹-308.09 Million |
| 2012 | 4.92% | 2.28% | 0.10x | 22.70x | ₹-268.69 Million |
| 2013 | 4.59% | 7.12% | 0.03x | 23.19x | ₹-313.80 Million |
| 2014 | 3.49% | 6.08% | 0.03x | 19.89x | ₹-501.23 Million |
| 2015 | -5.98% | -15.14% | 0.02x | 17.74x | ₹-1.42 Billion |
| 2016 | -16.77% | -9.53% | 0.10x | 17.55x | ₹-2.39 Billion |
| 2017 | -10.62% | -3.63% | 0.10x | 28.88x | ₹-1.13 Billion |
| 2018 | -35.94% | -9.33% | 0.09x | 43.36x | ₹-1.62 Billion |
| 2019 | -20.27% | -13.92% | 0.09x | 16.89x | ₹-2.95 Billion |
| 2020 | 0.65% | 0.77% | 0.09x | 9.62x | ₹-1.83 Billion |
| 2021 | 10.02% | 10.04% | 0.09x | 10.70x | ₹3.78 Million |
| 2022 | 17.29% | 20.07% | 0.09x | 9.56x | ₹1.93 Billion |
| 2023 | 17.09% | 20.77% | 0.09x | 9.10x | ₹2.27 Billion |
| 2024 | 14.90% | 16.14% | 0.10x | 9.48x | ₹1.86 Billion |
| 2025 | 13.20% | 12.99% | 0.10x | 10.64x | ₹1.44 Billion |
Industry Comparison
This section compares CSB Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $168,593,829,538
- Average return on equity (ROE) among peers: 0.80%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CSB Bank Limited (CSBBANK) | ₹47.00 Billion | -1.74% | 9.64x | $383.55 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |