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CSB Bank Share Price Rise 5% After Strong Q4 Business Update

Written by: Kusum KumariUpdated on: Apr 2, 2025, 4:17 PM IST
CSB Bank shares gained 5% after Q4 deposits rose 24% YoY to ₹36,861 crore. Gross advances grew 29.6%, with gold loans surging 35.4%.
CSB Bank Share Price Rise 5% After Strong Q4 Business Update
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On April 2, 2025, CSB Bank share price surged 4.9% to an intraday high of ₹315.65 on the BSE after the bank released its Q4FY25 business update. At 10:04 AM, the stock was trading 2.58% higher at ₹308.6 on NSE, while the BSE Sensex was up 0.44% at 76,357.35. The company’s market capitalisation stood at ₹5,353.77 crore. The stock’s 52-week high is ₹419.7, while the 52-week low is ₹266.05.

Strong Growth in Deposits and Advances

CSB Bank reported a significant rise in total deposits, which increased by 24% year-on-year (YoY) to ₹36,861 crore in Q4FY25, compared to ₹29,719 crore in the same quarter last year. The bank’s Current Account Savings Account (CASA) deposits rose to ₹8,918 crore from ₹8,085 crore a year ago. Meanwhile, term deposits saw a 29% jump, reaching ₹27,943 crore from ₹21,634 crore.

The bank’s gross advances also saw strong growth, rising 29.59% YoY to ₹31,843 crore from ₹24,572 crore. Notably, loans against gold and gold jewellery grew by 35.43% to ₹14,094 crore from ₹10,407 crore in the previous year.

Q3 FY25 Results and Financial Performance

In Q3FY25, CSB Bank reported a flat net profit of ₹152 crore due to higher provisioning costs. However, compared to the previous quarter, net profit grew by 10%.

The bank’s net interest income (NII) declined 2% YoY as interest expenses surged by 43%. On the other hand, other income increased by 75% during the same period.

CSB Bank’s asset quality improved in Q3, with its gross non-performing assets (NPA) ratio declining to 1.58% from 1.68% in the previous quarter. Net NPAs also dropped to 0.64% from 0.69%.

Stock Performance Over the Past Year

Despite the recent surge, CSB Bank’s share price has declined 20% over the past year, while the Sensex has gained 2.8% in the same period.

Conclusion

CSB Bank’s strong Q4 performance, driven by robust deposit and loan growth, has boosted investor confidence. However, the stock remains down 20% over the past year.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Published on: Apr 2, 2025, 10:48 AM IST

Kusum Kumari

Kusum Kumari is a Content Writer with 4 years of experience in simplifying financial market concepts. Currently crafting insightful content at Angel One, She specialise in breaking down complex topics into easy-to-understand pieces, blending expertise in market fundamentals and technical analysis.

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