CSB Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

4,505.19

3,597.14

2,927.54

2,319.65

2,038.32

1,872.30

1,509.89

Income On Investments

762.87

621.73

423.99

404.61

380.92

459.30

309.87

Interest On Balances With Rbi Other Inter Bank Funds

25.24

19.86

14.76

11.15

46.52

5.06

5.86

Interest / Discount On Advances / Bills

3,707.47

2,930.64

2,460.14

1,888.13

1,597.28

1,375.95

1,162.11

Others

9.61

24.91

28.65

15.76

13.60

31.99

32.05

Other Income

1,176.60

972.06

584.29

315.68

246.79

303.12

221.61

Total Income

5,681.79

4,569.20

3,511.83

2,635.33

2,285.11

2,175.42

1,731.50

Interest Expended

2,784.87

2,120.97

1,451.13

985.81

885.01

930.91

917.60

Net Interest Income

1,720.32

1,476.17

1,476.41

1,333.84

1,153.31

941.39

592.29

Total Expenditure (Excl Depreciation)

1,811.53

1,537.99

1,280.78

942.12

786.38

728.99

533.32

Employee Cost

932.34

754.25

714.71

552.82

481.87

496.23

331.27

Other Operating Expenses

879.19

783.74

566.07

389.30

304.51

232.76

202.05

Operating Profit Before Provisions and Contingencies

1,085.39

910.24

779.92

707.40

613.72

515.52

280.58

Exceptional Items

0.00

Provisions and contingencies

234.23

110.71

18.48

-26.21

-0.51

222.97

146.58

Profit Before Tax

851.16

799.53

761.44

733.61

614.23

292.55

134.00

Tax

217.98

205.73

194.62

186.25

155.74

74.15

121.28

Profit After Tax

633.18

593.80

566.82

547.36

458.49

218.40

12.72

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

633.18

593.80

566.82

547.36

458.49

218.40

12.72

Face Value

10.0

Reserves

4,549.91

4,150.36

3,454.27

2,878.07

2,324.64

1,852.22

1,630.94

Earnings per share (EPS)

36.49

34.22

32.66

31.54

26.42

12.58

0.73

Diluted Earnings per share

36.5

34.23

32.67

31.55

26.43

12.59

0.88

Operating Profit Margin (Excl OI)

54.59%

54.17%

55.62%

60.52%

61.45%

49.16%

54.97%

Gross Profit Margin

18.89%

22.23%

26.01%

31.63%

30.13%

15.63%

8.87%

PAT Margin

14.05%

16.51%

19.36%

23.6%

22.49%

11.66%

0.84%

Net Interest Margin

0.0%

4.13%

5.09%

5.48%

5.27%

4.81%

3.74%

Return on Assets

0.0%

2.06%

0.0%

CASA (%)

0.0%

24.19%

27.2%

32.18%

33.66%

32.19%

29.17%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

20.66%

22.46%

24.47%

27.1%

25.9%

21.37%

22.46%

Capital Adequacy Ratio (Tier 1)

0.0%

20.59%

23.1%

25.87%

24.35%

19.96%

21.79%

Provision Coverage Ratio (%)

0.0%

83.71%

86.44%

92.11%

89.65%

84.89%

80.02%

Amount of Gross NPAs

669.78

498.46

361.07

262.56

289.51

393.49

409.43

Amount of Net NPAs

158.23

163.53

124.90

71.82

106.99

168.81

216.94

% of Net NPAs

0.4%

0.52%

0.51%

0.35%

0.68%

1.17%

1.91%

% of Gross NPAs

1.66%

1.57%

1.47%

1.26%

1.81%

2.68%

3.54%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

791.0

731.0

528.0

465.0

320.0

300.0

Number of Branches

0.0

829.0

779.0

703.0

603.0

514.0

411.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 25.24% vs 22.87% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 6.63% vs 4.76% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 19.24% vs 16.71% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.12% vs 0.01% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is 0.09% vs 0.10% in Mar 2025

Compare Annual Results Of CSB Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

4,505.19

9,013.60

-4,508.41

-50.02%

Income On Investments

762.87

1,466.22

-703.35

-47.97%

Interest On Balances With Rbi Other Inter Bank Funds

25.24

41.37

-16.13

-38.99%

Interest / Discount On Advances / Bills

3,707.47

7,009.38

-3,301.91

-47.11%

Others

9.61

496.63

-487.02

-98.06%

Other Income

1,176.60

1,269.52

-92.92

-7.32%

Total Income

5,681.79

10,283.12

-4,601.33

-44.75%

Interest Expended

2,784.87

5,703.22

-2,918.35

-51.17%

Net Interest Income

1,720.32

3,310.38

-1,590.06

-48.03%

Total Expenditure (Excl Depreciation)

1,811.53

2,752.86

-941.33

-34.19%

Employee Cost

932.34

1,538.40

-606.06

-39.4%

Other Operating Expenses

879.19

1,214.46

-335.27

-27.61%

Operating Profit Before Provisions and Contingencies

1,085.39

1,827.04

-741.65

-40.59%

Exceptional Items

0.00

Provisions and contingencies

234.23

186.44

47.79

25.63%

Profit Before Tax

851.16

1,640.60

-789.44

-48.12%

Tax

217.98

368.23

-150.25

-40.8%

Profit After Tax

633.18

1,272.37

-639.19

-50.24%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

633.18

1,272.37

-639.19

-50.24%

Face Value

10.00

0.00

Reserves

4,549.91

11,208.17

-6,658.26

-59.41%

Earnings per share (EPS)

36.49

33.67

2.82

8.38%

Diluted Earnings per share

36.50

33.61

2.89

8.6%

Operating Profit Margin (Excl OI)

54.59%

67.39%

0.00

-12.80%

Gross Profit Margin

18.89%

18.20%

0.00

0.69%

PAT Margin

14.05%

14.12%

0.00

-0.07%

Net Interest Margin

0.00%

3.19%

-3.19

-3.19%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

31.75%

-31.75

-31.75%

CASA Amount

0.00

33,281.00

-33,281.00

-100.0%

Capital Adequacy Ratio (Total)

20.66%

19.85%

0.81

0.81%

Capital Adequacy Ratio (Tier 1)

0.00%

18.40%

-18.40

-18.40%

Provision Coverage Ratio (%)

0.00%

81.42%

-81.42

-81.42%

Amount of Gross NPAs

669.78

2,402.08

-1,732.30

-72.12%

Amount of Net NPAs

158.23

1,004.55

-846.32

-84.25%

% of Net NPAs

0.40%

1.31%

-0.91

-0.91%

% of Gross NPAs

1.66%

3.08%

-1.42

-1.42%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

1,516.00

-1,516.00

-100.0%

Number of Branches

0.00

952.00

-952.00

-100.0%

Annual - Interest Earned

Interest Earned 4505.19 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 25.24% vs 22.87% in Mar 2025

Annual - Net Profit

Net Profit 633.18 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 6.63% vs 4.76% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,085.39 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 19.24% vs 16.71% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.40%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.12% vs 0.01% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.66%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is 0.09% vs 0.10% in Mar 2025