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

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.

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