CSB Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

1,200.86

1,154.23

1,109.16

1,040.94

980.89

919.38

864.85

Income On Investments

201.15

187.38

186.97

187.37

182.89

157.91

143.38

Interest On Balances With Rbi Other Inter Bank Funds

2.44

10.65

4.93

7.22

6.81

4.69

3.51

Interest / Discount On Advances / Bills

995.96

952.04

914.37

845.10

787.51

755.72

711.68

Others

1.31

4.16

2.89

1.25

3.68

1.06

6.28

Other Income

306.21

276.48

349.20

244.71

381.47

219.37

199.38

Total Income

1,507.07

1,430.71

1,458.36

1,285.65

1,362.36

1,138.75

1,064.23

Interest Expended

736.70

701.04

685.60

661.53

609.62

543.93

497.37

Net Interest Income

464.16

453.19

423.56

379.41

371.27

375.45

367.48

Total Expenditure (Excl Depreciation)

476.70

437.56

493.46

403.81

435.99

374.17

366.51

Employee Cost

251.34

231.81

228.14

221.05

196.34

196.13

184.83

Other Operating Expenses

225.36

205.75

265.32

182.76

239.65

178.04

181.68

Operating Profit Before Provisions and Contingencies

293.67

292.11

279.30

220.31

316.75

220.65

200.35

Exceptional Items

0.00

Provisions and contingencies

23.02

86.77

63.65

60.79

60.21

16.53

13.91

Profit Before Tax

270.65

205.34

215.65

159.52

256.54

204.12

186.44

Tax

69.07

52.67

55.32

40.92

66.10

52.49

48.03

Profit After Tax

201.58

152.67

160.33

118.60

190.44

151.63

138.41

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

201.58

152.67

160.33

118.60

190.44

151.63

138.41

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

11.62

8.8

9.24

6.83

10.97

8.74

7.98

Diluted Earnings per share

11.62

8.8

9.24

6.84

10.98

8.74

7.98

Operating Profit Margin (Excl OI)

58.39%

54.57%

49.77%

55.37%

49.41%

57.5%

56.01%

Gross Profit Margin

22.54%

17.79%

19.44%

15.32%

26.15%

22.2%

21.56%

PAT Margin

16.79%

13.23%

14.46%

11.39%

19.42%

16.49%

16.0%

Net Interest Margin

0.0%

3.86%

3.81%

3.54%

3.75%

4.11%

4.3%

Return on Assets

0.0%

CASA (%)

0.0%

20.55%

21.17%

23.49%

24.19%

24.07%

24.09%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

20.66%

19.41%

20.99%

21.71%

22.46%

21.08%

22.74%

Capital Adequacy Ratio (Tier 1)

0.0%

17.66%

19.19%

19.92%

20.59%

19.73%

21.37%

Provision Coverage Ratio (%)

0.0%

79.87%

84.14%

80.46%

83.71%

81.47%

81.49%

Amount of Gross NPAs

669.78

729.42

628.75

606.49

498.46

458.17

452.12

Amount of Net NPAs

158.23

245.66

178.46

215.15

163.53

182.71

183.32

% of Net NPAs

0.4%

0.67%

0.52%

0.66%

0.52%

0.64%

0.69%

% of Gross NPAs

1.66%

1.96%

1.81%

1.84%

1.57%

1.58%

1.68%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

818.0

810.0

800.0

791.0

777.0

770.0

Number of Branches

0.0

846.0

838.0

834.0

829.0

807.0

802.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 4.04% vs 4.06% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 32.04% vs -4.78% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 0.53% vs 4.59% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.27% vs 0.15% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.30% vs 0.15% in Dec 2025

Compare Quarterly Results Of CSB Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,200.86

2,220.05

-1,019.19

-45.91%

Income On Investments

201.15

422.53

-221.38

-52.39%

Interest On Balances With Rbi Other Inter Bank Funds

2.44

10.45

-8.01

-76.65%

Interest / Discount On Advances / Bills

995.96

1,620.71

-624.75

-38.55%

Others

1.31

166.36

-165.05

-99.21%

Other Income

306.21

302.30

3.91

1.29%

Total Income

1,507.07

2,522.35

-1,015.28

-40.25%

Interest Expended

736.70

1,427.99

-691.29

-48.41%

Net Interest Income

464.16

792.06

-327.90

-41.4%

Total Expenditure (Excl Depreciation)

476.70

642.56

-165.86

-25.81%

Employee Cost

251.34

360.60

-109.26

-30.3%

Other Operating Expenses

225.36

281.96

-56.60

-20.07%

Operating Profit Before Provisions and Contingencies

293.67

451.80

-158.13

-35.0%

Exceptional Items

0.00

Provisions and contingencies

23.02

94.86

-71.84

-75.73%

Profit Before Tax

270.65

356.94

-86.29

-24.17%

Tax

69.07

66.15

2.92

4.41%

Profit After Tax

201.58

290.79

-89.21

-30.68%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

201.58

290.79

-89.21

-30.68%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

11.62

7.69

3.93

51.11%

Diluted Earnings per share

11.62

7.68

3.94

51.3%

Operating Profit Margin (Excl OI)

58.39%

66.78%

0.00

-8.39%

Gross Profit Margin

22.54%

16.08%

0.00

6.46%

PAT Margin

16.79%

13.10%

0.00

3.69%

Net Interest Margin

0.00%

2.92%

-2.92

-2.92%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

31.53%

-31.53

-31.53%

CASA Amount

0.00

32,829.00

-32,829.00

-100.0%

Capital Adequacy Ratio (Total)

20.66%

19.94%

0.72

0.72%

Capital Adequacy Ratio (Tier 1)

0.00%

18.40%

-18.40

-18.40%

Provision Coverage Ratio (%)

0.00%

80.90%

-80.90

-80.90%

Amount of Gross NPAs

669.78

2,565.31

-1,895.53

-73.89%

Amount of Net NPAs

158.23

994.70

-836.47

-84.09%

% of Net NPAs

0.40%

1.31%

-0.91

-0.91%

% of Gross NPAs

1.66%

3.32%

-1.66

-1.66%

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

1,470.00

-1,470.00

-100.0%

Number of Branches

0.00

960.00

-960.00

-100.0%

Quarterly - Interest Earned

Interest Earned 1200.86 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 4.04% vs 4.06% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 22.43% vs 23.4% in Mar 2025

Quarterly - Net Profit

Net Profit 201.58 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 32.04% vs -4.78% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 5.85% vs 25.74% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 293.67 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 0.53% vs 4.59% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -7.29% vs 38.93% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.40%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.27% vs 0.15% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 1.66%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.30% vs 0.15% in Dec 2025

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