CSB Bank Ltd Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

3,304.33

2,616.25

2,132.66

1,683.16

1,518.75

1,375.18

1,120.97

Income On Investments

561.72

438.84

300.73

304.44

281.68

354.56

230.74

Interest On Balances With Rbi Other Inter Bank Funds

22.80

13.05

10.26

9.16

41.56

2.23

3.28

Interest / Discount On Advances / Bills

2,711.51

2,143.13

1,799.96

1,359.46

1,185.04

993.20

865.84

Others

8.30

21.23

21.71

10.10

10.47

25.19

21.11

Other Income

870.39

590.59

387.78

189.69

183.19

239.37

135.03

Total Income

4,174.72

3,206.84

2,520.44

1,872.85

1,701.94

1,614.55

1,256.00

Interest Expended

2,048.17

1,511.35

1,042.29

697.76

669.28

709.49

686.22

Net Interest Income

1,256.16

1,104.90

1,090.37

985.40

849.47

665.69

434.75

Total Expenditure (Excl Depreciation)

1,334.83

1,102.00

926.22

669.57

560.99

469.92

396.20

Employee Cost

681.00

557.91

524.70

399.48

338.46

317.59

252.32

Other Operating Expenses

653.83

544.09

401.52

270.09

222.53

152.33

143.88

Operating Profit Before Provisions and Contingencies

791.72

593.49

551.93

505.52

471.67

435.14

173.58

Exceptional Items

0.00

Provisions and contingencies

211.21

50.50

-3.13

-17.01

33.59

200.60

62.25

Profit Before Tax

580.51

542.99

555.06

522.53

438.08

234.54

111.33

Tax

148.91

139.63

139.70

131.51

110.26

59.03

38.92

Profit After Tax

431.60

403.36

415.36

391.02

327.82

175.51

72.41

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

431.60

403.36

415.36

391.02

327.82

175.51

72.41

Face Value

10.0

Reserves

0.00

1,690.09

Diluted Earnings per share

8.8

8.74

8.64

8.99

8.55

3.06

1.63

Operating Profit Margin (Excl OI)

59.6%

57.88%

56.57%

60.22%

63.06%

65.83%

64.66%

Gross Profit Margin

0.0%

PAT Margin

13.06%

15.42%

19.48%

23.23%

21.58%

12.76%

6.46%

Net Interest Margin

3.86%

4.11%

5.1%

5.8%

5.41%

5.17%

3.92%

Return on Assets

0.0%

1.84%

2.37%

0.0%

CASA (%)

20.55%

24.07%

27.58%

31.44%

34.57%

30.4%

28.56%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.41%

21.08%

22.99%

25.78%

20.74%

21.02%

23.0%

Capital Adequacy Ratio (Tier 1)

17.66%

19.73%

21.6%

24.27%

19.38%

19.77%

22.34%

Provision Coverage Ratio (%)

79.87%

81.47%

91.85%

91.93%

82.95%

91.03%

80.31%

Amount of Gross NPAs

729.42

458.17

278.73

271.29

388.95

234.89

352.63

Amount of Net NPAs

245.66

182.71

70.23

77.66

199.74

89.52

213.74

% of Net NPAs

0.67%

0.64%

0.31%

0.42%

1.36%

0.68%

1.98%

% of Gross NPAs

1.96%

1.58%

1.22%

1.45%

2.62%

1.77%

3.22%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

818.0

777.0

570.0

516.0

410.0

319.0

0.0

Number of Branches

846.0

807.0

747.0

648.0

559.0

454.0

411.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 26.3% vs 22.68% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is 7.00% vs -2.89% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 33.40% vs 7.53% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is 0.03% vs 0.33% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is 0.38% vs 0.36% in Dec 2024

Compare Nine Monthly Results Of CSB Bank With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

3,304.33

Income On Investments

561.72

Interest On Balances With Rbi Other Inter Bank Funds

22.80

Interest / Discount On Advances / Bills

2,711.51

Others

8.30

Other Income

870.39

Total Income

4,174.72

Interest Expended

2,048.17

Net Interest Income

1,256.16

Total Expenditure (Excl Depreciation)

1,334.83

Employee Cost

681.00

Other Operating Expenses

653.83

Operating Profit Before Provisions and Contingencies

791.72

Exceptional Items

0.00

Provisions and contingencies

211.21

Profit Before Tax

580.51

Tax

148.91

Profit After Tax

431.60

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

431.60

Face Value

10.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

13.06%

0.00%

0.00

13.06%

Net Interest Margin

3.86%

3.86

3.86%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

20.55%

20.55

20.55%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.41%

19.41

19.41%

Capital Adequacy Ratio (Tier 1)

17.66%

17.66

17.66%

Provision Coverage Ratio (%)

79.87%

79.87

79.87%

Amount of Gross NPAs

729.42

Amount of Net NPAs

245.66

% of Net NPAs

0.67%

0.67

0.67%

% of Gross NPAs

1.96%

1.96

1.96%

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

818.00

Number of Branches

846.00

Nine Monthly - Interest Earned

Interest Earned 3304.33 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 26.3% vs 22.68% in Dec 2024

Nine Monthly - Net Profit

Net Profit 431.60 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 7.00% vs -2.89% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 791.72 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 33.40% vs 7.53% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.67%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 0.03% vs 0.33% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 1.96%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 0.38% vs 0.36% in Dec 2024