Are CSB Bank latest results good or bad?

CSB Bank has reported its financial results for the quarter ending June 2025, highlighting a mix of operational trends. The bank achieved its highest quarterly interest earned at Rs 1,040.94 crore, reflecting consistent growth over the last five quarters, which indicates a positive trend in its core banking operations. Additionally, net interest income reached Rs 379.41 crore, also marking a peak during this period.
However, the bank encountered significant challenges. The profit before tax (PBT) fell sharply to Rs -85.19 crore, representing a notable decline compared to the average PBT of the previous four quarters. Similarly, profit after tax (PAT) decreased to Rs 118.60 crore, down from the average of Rs 148.45 crore in prior quarters. The gross non-performing assets (NPA) rose to 1.84%, the highest in five quarters, suggesting an increase in stressed loans, which raises concerns about asset quality.

In terms of quarterly performance, the interest earned showed a growth of 6.12% compared to the previous quarter, while net profit experienced a decline of 37.72%. The percentage of gross NPAs increased to 1.84%, indicating a rise in non-performing loans.

Overall, CSB Bank saw an adjustment in its evaluation, reflecting the complexities of its financial health amid both growth in interest income and challenges in profitability and asset quality.