CSB Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

1,287.32

1,200.86

1,154.23

1,109.16

1,040.94

980.89

919.38

Income On Investments

204.34

201.15

187.38

186.97

187.37

182.89

157.91

Interest On Balances With Rbi Other Inter Bank Funds

7.29

2.44

10.65

4.93

7.22

6.81

4.69

Interest / Discount On Advances / Bills

1,072.31

995.96

952.04

914.37

845.10

787.51

755.72

Others

3.38

1.31

4.16

2.89

1.25

3.68

1.06

Other Income

228.75

306.21

276.48

349.20

244.71

381.47

219.37

Total Income

1,516.07

1,507.07

1,430.71

1,458.36

1,285.65

1,362.36

1,138.75

Interest Expended

808.66

736.70

701.04

685.60

661.53

609.62

543.93

Net Interest Income

478.66

464.16

453.19

423.56

379.41

371.27

375.45

Total Expenditure (Excl Depreciation)

456.64

476.70

437.56

493.46

403.81

435.99

374.17

Employee Cost

252.56

251.34

231.81

228.14

221.05

196.34

196.13

Other Operating Expenses

204.08

225.36

205.75

265.32

182.76

239.65

178.04

Operating Profit Before Provisions and Contingencies

250.77

293.67

292.11

279.30

220.31

316.75

220.65

Exceptional Items

0.00

Provisions and contingencies

49.03

23.02

86.77

63.65

60.79

60.21

16.53

Profit Before Tax

201.74

270.65

205.34

215.65

159.52

256.54

204.12

Tax

51.70

69.07

52.67

55.32

40.92

66.10

52.49

Profit After Tax

150.04

201.58

152.67

160.33

118.60

190.44

151.63

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

150.04

201.58

152.67

160.33

118.60

190.44

151.63

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

8.65

11.62

8.8

9.24

6.83

10.97

8.74

Diluted Earnings per share

8.65

11.62

8.8

9.24

6.84

10.98

8.74

Operating Profit Margin (Excl OI)

60.72%

58.39%

54.57%

49.77%

55.37%

49.41%

57.5%

Gross Profit Margin

15.67%

22.54%

17.79%

19.44%

15.32%

26.15%

22.2%

PAT Margin

11.66%

16.79%

13.23%

14.46%

11.39%

19.42%

16.49%

Net Interest Margin

3.66%

3.83%

3.86%

3.81%

3.54%

3.75%

4.11%

Return on Assets

0.0%

CASA (%)

19.41%

19.96%

20.55%

21.17%

23.49%

24.19%

24.07%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.96%

20.66%

19.41%

20.99%

21.71%

22.46%

21.08%

Capital Adequacy Ratio (Tier 1)

18.96%

18.93%

17.66%

19.19%

19.92%

20.59%

19.73%

Provision Coverage Ratio (%)

86.83%

86.33%

79.87%

84.14%

80.46%

83.71%

81.47%

Amount of Gross NPAs

715.42

669.78

729.42

628.75

606.49

498.46

458.17

Amount of Net NPAs

157.68

158.23

245.66

178.46

215.15

163.53

182.71

% of Net NPAs

0.39%

0.4%

0.67%

0.52%

0.66%

0.52%

0.64%

% of Gross NPAs

1.75%

1.66%

1.96%

1.81%

1.84%

1.57%

1.58%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

835.0

832.0

818.0

810.0

800.0

791.0

777.0

Number of Branches

868.0

862.0

846.0

838.0

834.0

829.0

807.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 7.2% vs 4.04% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is -25.57% vs 32.04% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is -14.61% vs 0.53% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.27% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is 0.09% vs -0.30% in Mar 2026

Compare Quarterly Results Of CSB Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,287.32

1,984.31

-696.99

-35.13%

Income On Investments

204.34

367.27

-162.93

-44.36%

Interest On Balances With Rbi Other Inter Bank Funds

7.29

12.05

-4.76

-39.5%

Interest / Discount On Advances / Bills

1,072.31

1,601.17

-528.86

-33.03%

Others

3.38

3.82

-0.44

-11.52%

Other Income

228.75

196.33

32.42

16.51%

Total Income

1,516.07

2,180.64

-664.57

-30.48%

Interest Expended

808.66

1,300.36

-491.70

-37.81%

Net Interest Income

478.66

683.95

-205.29

-30.02%

Total Expenditure (Excl Depreciation)

456.64

536.24

-79.60

-14.84%

Employee Cost

252.56

267.20

-14.64

-5.48%

Other Operating Expenses

204.08

269.04

-64.96

-24.15%

Operating Profit Before Provisions and Contingencies

250.77

344.04

-93.27

-27.11%

Exceptional Items

0.00

Provisions and contingencies

49.03

57.07

-8.04

-14.09%

Profit Before Tax

201.74

286.97

-85.23

-29.7%

Tax

51.70

73.77

-22.07

-29.92%

Profit After Tax

150.04

213.20

-63.16

-29.62%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

150.04

213.20

-63.16

-29.62%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

8.65

6.62

2.03

30.66%

Diluted Earnings per share

8.65

6.58

2.07

31.46%

Operating Profit Margin (Excl OI)

60.72%

70.10%

0.00

-9.38%

Gross Profit Margin

15.67%

14.46%

0.00

1.21%

PAT Margin

11.66%

10.74%

0.00

0.92%

Net Interest Margin

3.66%

3.35%

0.31

0.31%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

19.41%

21.65%

-2.24

-2.24%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.96%

17.03%

2.93

2.93%

Capital Adequacy Ratio (Tier 1)

18.96%

14.90%

4.06

4.06%

Provision Coverage Ratio (%)

86.83%

79.81%

7.02

7.02%

Amount of Gross NPAs

715.42

1,481.74

-766.32

-51.72%

Amount of Net NPAs

157.68

504.34

-346.66

-68.74%

% of Net NPAs

0.39%

0.84%

-0.45

-0.45%

% of Gross NPAs

1.75%

2.43%

-0.68

-0.68%

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

835.00

0.00

835.00

Number of Branches

868.00

480.00

388.00

80.83%

Quarterly - Interest Earned

Interest Earned 1287.32 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 7.2% vs 4.04% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 23.67% vs 25.11% in Jun 2025

Quarterly - Net Profit

Net Profit 150.04 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -25.57% vs 32.04% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 26.51% vs 4.66% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 250.77 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -14.61% vs 0.53% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 13.83% vs 27.72% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.39%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.27% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.27% vs -0.02% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 1.75%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is 0.09% vs -0.30% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.09% vs 0.15% in Jun 2025