CSB Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

1,154.23

1,109.16

1,040.94

980.89

919.38

864.85

832.02

Income On Investments

187.38

186.97

187.37

182.89

157.91

143.38

137.55

Interest On Balances With Rbi Other Inter Bank Funds

10.65

4.93

7.22

6.81

4.69

3.51

4.85

Interest / Discount On Advances / Bills

952.04

914.37

845.10

787.51

755.72

711.68

675.73

Others

4.16

2.89

1.25

3.68

1.06

6.28

13.89

Other Income

276.48

349.20

244.71

381.47

219.37

199.38

171.84

Total Income

1,430.71

1,458.36

1,285.65

1,362.36

1,138.75

1,064.23

1,003.86

Interest Expended

701.04

685.60

661.53

609.62

543.93

497.37

470.05

Net Interest Income

453.19

423.56

379.41

371.27

375.45

367.48

361.97

Total Expenditure (Excl Depreciation)

437.56

493.46

403.81

435.99

374.17

366.51

361.32

Employee Cost

231.81

228.14

221.05

196.34

196.13

184.83

176.95

Other Operating Expenses

205.75

265.32

182.76

239.65

178.04

181.68

184.37

Operating Profit Before Provisions and Contingencies

292.11

279.30

220.31

316.75

220.65

200.35

172.49

Exceptional Items

0.00

Provisions and contingencies

86.77

63.65

60.79

60.21

16.53

13.91

20.06

Profit Before Tax

205.34

215.65

159.52

256.54

204.12

186.44

152.43

Tax

52.67

55.32

40.92

66.10

52.49

48.03

39.11

Profit After Tax

152.67

160.33

118.60

190.44

151.63

138.41

113.32

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

152.67

160.33

118.60

190.44

151.63

138.41

113.32

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

8.8

9.24

6.83

10.97

8.74

7.98

6.53

Diluted Earnings per share

8.8

9.24

6.84

10.98

8.74

7.98

6.53

Operating Profit Margin (Excl OI)

54.57%

49.77%

55.37%

49.41%

57.5%

56.01%

54.16%

Gross Profit Margin

17.79%

19.44%

15.32%

26.15%

22.2%

21.56%

18.32%

PAT Margin

13.23%

14.46%

11.39%

19.42%

16.49%

16.0%

13.62%

Net Interest Margin

3.86%

3.81%

3.54%

3.75%

4.11%

4.3%

4.36%

Return on Assets

0.0%

CASA (%)

20.55%

21.17%

23.49%

24.19%

24.07%

24.09%

24.9%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.41%

20.99%

21.71%

22.46%

21.08%

22.74%

23.61%

Capital Adequacy Ratio (Tier 1)

17.66%

19.19%

19.92%

20.59%

19.73%

21.37%

22.23%

Provision Coverage Ratio (%)

79.87%

84.14%

80.46%

83.71%

81.47%

81.49%

82.53%

Amount of Gross NPAs

729.42

628.75

606.49

498.46

458.17

452.12

423.99

Amount of Net NPAs

245.66

178.46

215.15

163.53

182.71

183.32

169.11

% of Net NPAs

0.67%

0.52%

0.66%

0.52%

0.64%

0.69%

0.68%

% of Gross NPAs

1.96%

1.81%

1.84%

1.57%

1.58%

1.68%

1.69%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

818.0

810.0

800.0

791.0

777.0

770.0

757.0

Number of Branches

846.0

838.0

834.0

829.0

807.0

802.0

794.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 4.06% vs 6.55% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is -4.78% vs 35.19% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 4.59% vs 26.78% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is 0.15% vs -0.14% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is 0.15% vs -0.03% in Sep 2025

Compare Quarterly Results Of CSB Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,154.23

1,413.39

-259.16

-18.34%

Income On Investments

187.38

271.28

-83.90

-30.93%

Interest On Balances With Rbi Other Inter Bank Funds

10.65

15.34

-4.69

-30.57%

Interest / Discount On Advances / Bills

952.04

1,126.51

-174.47

-15.49%

Others

4.16

0.26

3.90

1500.0%

Other Income

276.48

208.07

68.41

32.88%

Total Income

1,430.71

1,621.46

-190.75

-11.76%

Interest Expended

701.04

816.26

-115.22

-14.12%

Net Interest Income

453.19

597.13

-143.94

-24.11%

Total Expenditure (Excl Depreciation)

437.56

352.77

84.79

24.04%

Employee Cost

231.81

175.84

55.97

31.83%

Other Operating Expenses

205.75

176.93

28.82

16.29%

Operating Profit Before Provisions and Contingencies

292.11

452.43

-160.32

-35.44%

Exceptional Items

0.00

Provisions and contingencies

86.77

20.01

66.76

333.63%

Profit Before Tax

205.34

432.42

-227.08

-52.51%

Tax

52.67

114.91

-62.24

-54.16%

Profit After Tax

152.67

317.51

-164.84

-51.92%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

152.67

317.51

-164.84

-51.92%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

8.80

20.05

-11.25

-56.11%

Diluted Earnings per share

8.80

20.05

-11.25

-56.11%

Operating Profit Margin (Excl OI)

54.57%

73.63%

0.00

-19.06%

Gross Profit Margin

17.79%

30.59%

0.00

-12.80%

PAT Margin

13.23%

22.46%

0.00

-9.23%

Net Interest Margin

3.86%

0.00%

3.86

3.86%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

20.55%

0.00%

20.55

20.55%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.41%

29.40%

-9.99

-9.99%

Capital Adequacy Ratio (Tier 1)

17.66%

29.40%

-11.74

-11.74%

Provision Coverage Ratio (%)

79.87%

0.00%

79.87

79.87%

Amount of Gross NPAs

729.42

0.00

729.42

Amount of Net NPAs

245.66

0.00

245.66

% of Net NPAs

0.67%

0.00%

0.67

0.67%

% of Gross NPAs

1.96%

0.00%

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

0.00

818.00

Number of Branches

846.00

0.00

846.00

Quarterly - Interest Earned

Interest Earned 1154.23 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.06% vs 6.55% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 25.54% vs 20.68% in Dec 2024

Quarterly - Net Profit

Net Profit 152.67 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -4.78% vs 35.19% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 0.69% vs 1.11% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 292.11 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.59% vs 26.78% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 32.39% vs 12.65% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.67%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.15% vs -0.14% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 1.96%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.15% vs -0.03% in Sep 2025

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