Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
2,150.10
1,696.87
1,370.83
1,091.11
991.10
892.56
732.30
Income On Investments
374.34
280.93
188.13
209.99
189.19
242.53
153.40
Interest On Balances With Rbi Other Inter Bank Funds
12.15
8.36
6.97
8.34
26.84
0.96
2.47
Interest / Discount On Advances / Bills
1,759.47
1,387.41
1,155.82
864.94
766.98
633.38
563.13
Others
4.14
20.17
19.91
7.84
8.09
15.69
13.30
Other Income
593.91
371.22
262.44
99.79
131.03
107.93
84.41
Total Income
2,744.01
2,068.09
1,633.27
1,190.90
1,122.13
1,000.49
816.71
Interest Expended
1,347.13
967.42
663.13
455.45
444.97
478.05
452.78
Net Interest Income
802.97
729.45
707.70
635.66
546.13
414.51
279.52
Total Expenditure (Excl Depreciation)
897.27
727.83
614.08
423.37
353.04
284.48
260.36
Employee Cost
449.19
361.78
351.89
247.86
216.37
189.79
168.14
Other Operating Expenses
448.08
366.05
262.19
175.51
136.67
94.69
92.22
Operating Profit Before Provisions and Contingencies
499.61
372.84
356.06
312.08
324.12
237.96
103.57
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
124.44
33.97
1.41
-2.05
84.15
74.31
34.64
Profit Before Tax
375.17
338.87
354.65
314.13
239.97
163.65
68.93
Tax
96.24
87.14
89.26
79.06
60.40
41.19
24.66
Profit After Tax
278.93
251.73
265.39
235.07
179.57
122.46
44.27
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
278.93
251.73
265.39
235.07
179.57
122.46
44.27
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
1,909.62
0.00
Earnings per share (EPS)
16.07
14.51
15.29
13.55
10.35
7.06
2.57
Diluted Earnings per share
16.08
14.51
15.3
13.55
10.35
7.06
3.86
Operating Profit Margin (Excl OI)
52.48%
55.11%
55.1%
61.39%
55.89%
59.8%
59.72%
Gross Profit Margin
17.45%
19.97%
25.87%
28.79%
24.21%
18.33%
9.41%
PAT Margin
12.97%
14.83%
19.36%
21.54%
18.12%
13.72%
6.05%
Net Interest Margin
3.68%
4.33%
5.12%
5.38%
5.13%
4.27%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
21.17%
24.09%
29.28%
34.27%
32.6%
29.39%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
20.99%
22.74%
23.96%
25.14%
20.12%
19.69%
0.0%
Capital Adequacy Ratio (Tier 1)
19.19%
21.37%
22.56%
23.63%
18.76%
18.44%
0.0%
Provision Coverage Ratio (%)
84.14%
81.49%
91.75%
90.14%
73.48%
84.24%
0.0%
Amount of Gross NPAs
628.75
452.12
284.76
291.04
586.83
367.42
326.21
Amount of Net NPAs
178.46
183.32
72.49
98.86
370.06
163.52
221.51
% of Net NPAs
0.52%
0.69%
0.33%
0.57%
2.63%
1.3%
1.96%
% of Gross NPAs
1.81%
1.68%
1.27%
1.65%
4.11%
3.04%
2.86%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
810.0
770.0
546.0
507.0
368.0
0.0
0.0
Number of Branches
838.0
802.0
719.0
608.0
541.0
0.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2025 is 26.71% vs 23.78% in Sep 2024
Net Profit
Growth in half year ended Sep 2025 is 10.81% vs -5.15% in Sep 2024
Operating Profit (PBDIT)
Growth in half year ended Sep 2025 is 34.00% vs 4.71% in Sep 2024
% of Net NPAs
Growth in half year ended Sep 2025 is -0.17% vs 0.36% in Sep 2024
% of Gross NPAs
Growth in half year ended Sep 2025 is 0.13% vs 0.41% in Sep 2024
Compare Half Yearly Results Of CSB Bank With
Figures in Cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
2,150.10
4,440.46
-2,290.36
-51.58%
Income On Investments
374.34
795.85
-421.51
-52.96%
Interest On Balances With Rbi Other Inter Bank Funds
12.15
30.87
-18.72
-60.64%
Interest / Discount On Advances / Bills
1,759.47
3,371.02
-1,611.55
-47.81%
Others
4.14
242.72
-238.58
-98.29%
Other Income
593.91
701.73
-107.82
-15.36%
Total Income
2,744.01
5,142.19
-2,398.18
-46.64%
Interest Expended
1,347.13
2,956.74
-1,609.61
-54.44%
Net Interest Income
802.97
1,483.72
-680.75
-45.88%
Total Expenditure (Excl Depreciation)
897.27
1,278.12
-380.85
-29.8%
Employee Cost
449.19
657.62
-208.43
-31.69%
Other Operating Expenses
448.08
620.50
-172.42
-27.79%
Operating Profit Before Provisions and Contingencies
499.61
907.33
-407.72
-44.94%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
124.44
130.87
-6.43
-4.91%
Profit Before Tax
375.17
776.46
-401.29
-51.68%
Tax
96.24
164.94
-68.70
-41.65%
Profit After Tax
278.93
611.52
-332.59
-54.39%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
278.93
611.52
-332.59
-54.39%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
16.07
16.17
-0.10
-0.62%
Diluted Earnings per share
16.08
16.15
-0.07
-0.43%
Operating Profit Margin (Excl OI)
52.48%
68.27%
0.00
-15.79%
Gross Profit Margin
17.45%
17.49%
0.00
-0.04%
PAT Margin
12.97%
13.77%
0.00
-0.80%
Net Interest Margin
3.68%
0.00%
3.68
3.68%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
21.17%
31.01%
-9.84
-9.84%
CASA Amount
0.00
31,882.00
-31,882.00
-100.0%
Capital Adequacy Ratio (Total)
20.99%
20.84%
0.15
0.15%
Capital Adequacy Ratio (Tier 1)
19.19%
19.30%
-0.11
-0.11%
Provision Coverage Ratio (%)
84.14%
81.05%
3.09
3.09%
Amount of Gross NPAs
628.75
2,453.10
-1,824.35
-74.37%
Amount of Net NPAs
178.46
975.96
-797.50
-81.71%
% of Net NPAs
0.52%
1.35%
-0.83
-0.83%
% of Gross NPAs
1.81%
3.33%
-1.52
-1.52%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
810.00
1,488.00
-678.00
-45.56%
Number of Branches
838.00
955.00
-117.00
-12.25%
Half Yearly - Interest Earned
Interest Earned 2150.1 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 26.71% vs 23.78% in Sep 2024
Half Yearly - Net Profit
Net Profit 278.93 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 10.81% vs -5.15% in Sep 2024
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 499.61 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 34.00% vs 4.71% in Sep 2024
Half Yearly - % of Net NPAs
% of Net NPAs 0.52%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.17% vs 0.36% in Sep 2024
Half Yearly - % of Gross NPAs
% of Gross NPAs 1.81%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is 0.13% vs 0.41% in Sep 2024






