CSB Bank Limited — Quarter and year ended March 31, 2026
| Particulars | Quarter ended 31.03.2026 Unaudited (Refer note 14) |
Quarter ended 31.12.2025 Unaudited |
Quarter ended 31.03.2025 Unaudited (Refer note 14) |
Year ended 31.03.2026 Audited |
Year ended 31.03.2025 Audited |
|---|---|---|---|---|---|
| 1. Interest earned (a) + (b) + (c) + (d) | 1,20,086 | 1,15,423 | 98,089 | 4,50,519 | 3,59,714 |
| (a) Interest / discount on advances / bills | 99,596 | 95,204 | 78,751 | 3,70,747 | 2,93,064 |
| (b) Income on investments | 20,115 | 18,738 | 18,289 | 76,287 | 62,173 |
| (c) Interest on balances with RBI and other inter bank funds | 244 | 1,065 | 681 | 2,524 | 1,986 |
| (d) Others | 131 | 416 | 368 | 961 | 2,491 |
| 2. Other income | 30,621 | 27,648 | 38,147 | 1,17,660 | 97,206 |
| 3. Total income (1+2) | 1,50,707 | 1,43,071 | 1,36,236 | 5,68,179 | 4,56,920 |
| 4. Interest expended | 73,670 | 70,104 | 60,962 | 2,78,487 | 2,12,097 |
| 5. Operating expenses (i) + (ii) | 47,670 | 43,756 | 43,599 | 1,81,153 | 1,53,799 |
| (i) Employees cost (Refer Note 12) | 25,134 | 23,181 | 19,634 | 93,234 | 75,425 |
| (ii) Other operating expenses | 22,536 | 20,575 | 23,965 | 87,919 | 78,374 |
| 6. Total Expenditure (4+5) (excluding provisions and contingencies) |
1,21,340 | 1,13,860 | 1,04,561 | 4,59,640 | 3,65,896 |
| 7. Operating Profit before Provisions and Contingencies (3-6) | 29,367 | 29,211 | 31,675 | 1,08,539 | 91,024 |
| 8. Provisions (other than tax) and Contingencies | 2,302 | 8,677 | 6,021 | 23,423 | 11,071 |
| 9. Exceptional items | – | – | – | – | – |
| 10. Profit from Ordinary Activities before Tax (7-8-9) | 27,065 | 20,534 | 25,654 | 85,116 | 79,953 |
| 11. Tax expense | 6,907 | 5,267 | 6,610 | 21,798 | 20,573 |
| 12. Net Profit from Ordinary Activities after Tax (10-11) | 20,158 | 15,267 | 19,044 | 63,318 | 59,380 |
| 13. Extraordinary items (net of tax expense) | – | – | – | – | – |
| 14. Net Profit for the period (12+13) | 20,158 | 15,267 | 19,044 | 63,318 | 59,380 |
| 15. Paid-up Equity Share Capital (Face value – ₹ 10 per equity share) |
17,354 | 17,354 | 17,354 | 17,354 | 17,354 |
| 16. Reserves excluding revaluation reserves | 4,54,991 | 4,15,036 | |||
| 17. Analytical Ratios | |||||
| (i) Percentage of shares held by Government of India | Nil | Nil | Nil | Nil | Nil |
| (ii) Capital Adequacy Ratio (Basel-III) | 20.66% | 19.41% | 22.46% | 20.66% | 22.46% |
| (iii) Earnings per Share (EPS)* | |||||
| a) Basic EPS – before and after extraordinary items (in ₹) | 11.62 | 8.80 | 10.98 | 36.50 | 34.23 |
| b) Diluted EPS – before and after extraordinary items (in ₹) | 11.62 | 8.80 | 10.98 | 36.50 | 34.23 |
| (iv) NPA Ratios | |||||
| a) Gross NPAs | 66,978 | 72,942 | 49,846 | 66,978 | 49,846 |
| b) Net NPAs | 15,823 | 24,566 | 16,353 | 15,823 | 16,353 |
| c) % of Gross NPAs | 1.66% | 1.96% | 1.57% | 1.66% | 1.57% |
| d) % of Net NPAs | 0.40% | 0.67% | 0.52% | 0.40% | 0.52% |
| (v) Return on Assets – Annualised | 1.50% | 1.18% | 1.73% | 1.26% | 1.49% |
| (vi) Networth# | 4,64,902 | 4,58,735 | 4,25,663 | 4,64,902 | 4,25,663 |
| (vii) Outstanding Redeemable Preference Shares | – | – | – | – | – |
| (viii) Capital Redemption Reserve | – | – | – | – | – |
| (ix) Debenture Redemption Reserve | – | – | – | – | – |
| (x) Debt Equity Ratio© | 146.18% | 135.26% | 123.31% | 146.18% | 123.31% |
| (xi) Total Debt to Total Assets$ | 12.39% | 12.22% | 11.59% | 12.39% | 11.59% |
| Particulars | Quarter ended 31.03.2026 (Unaudited) (Refer note 14) | Quarter ended 31.12.2025 (Unaudited) | Quarter ended 31.03.2025 (Unaudited) (Refer note 14) | Year ended 31.03.2026 (Audited) | Year ended 31.03.2025 (Audited) |
|---|---|---|---|---|---|
| Segment Revenue: | |||||
| Treasury | 19,919 | 21,258 | 24,898 | 86,762 | 76,380 |
| Corporate/Wholesale Banking | 41,544 | 38,051 | 37,296 | 1,50,575 | 1,12,164 |
| Retail Banking | 82,147 | 78,665 | 67,289 | 3,10,483 | 2,52,269 |
| Other Banking Operations | 7,097 | 5,097 | 6,753 | 20,359 | 16,107 |
| Unallocated | – | – | – | – | – |
| Total Revenue | 1,50,707 | 1,43,071 | 1,36,236 | 5,68,179 | 4,56,920 |
| Less: Inter segment revenue | – | – | – | – | – |
| Income from operations | 1,50,707 | 1,43,071 | 1,36,236 | 5,68,179 | 4,56,920 |
| Segment Results (Net of provisions): | |||||
| Treasury | 1,165 | 1,509 | 5,919 | 6,982 | 10,030 |
| Corporate/Wholesale Banking | 5,126 | 2,426 | 4,816 | 10,097 | 13,102 |
| Retail Banking | 18,061 | 14,760 | 12,297 | 60,466 | 51,075 |
| Other Banking Operations | 2,691 | 2,017 | 2,713 | 7,628 | 5,988 |
| Unallocated | 22 | (178) | (91) | (57) | (242) |
| Profit Before Tax | 27,065 | 20,534 | 25,654 | 85,116 | 79,953 |
| Segment Assets: | |||||
| Treasury | 12,37,134 | 12,84,994 | 13,75,135 | 12,37,134 | 13,75,135 |
| Corporate/Wholesale Banking | 15,98,041 | 14,06,547 | 11,44,347 | 15,98,041 | 11,44,347 |
| Retail Banking | 29,24,287 | 26,46,734 | 22,52,827 | 29,24,287 | 22,52,827 |
| Other Banking Operations | 5,747 | 4,887 | 4,625 | 5,747 | 4,625 |
| Unallocated | 7,443 | 7,625 | 6,693 | 7,443 | 6,693 |
| Total | 57,72,652 | 53,50,787 | 47,83,627 | 57,72,652 | 47,83,627 |
| Segment Liabilities: | |||||
| Treasury | 4,00,381 | 4,20,342 | 3,77,128 | 4,00,381 | 3,77,128 |
| Corporate/Wholesale Banking | 24,99,287 | 22,31,117 | 15,79,538 | 24,99,287 | 15,79,538 |
| Retail Banking | 23,83,556 | 22,15,064 | 23,77,188 | 23,83,556 | 23,77,188 |
| Other Banking Operations | – | – | – | – | – |
| Unallocated | – | 741 | – | – | – |
| Total | 52,83,224 | 48,67,264 | 43,33,854 | 52,83,224 | 43,33,854 |
| Capital Employed: (Segment Assets – Segment Liabilities) | |||||
| Treasury | 8,36,753 | 8,64,652 | 9,98,007 | 8,36,753 | 9,98,007 |
| Corporate/Wholesale Banking | (9,01,246) | (8,24,570) | (4,35,191) | (9,01,246) | (4,35,191) |
| Retail Banking | 5,40,731 | 4,31,670 | (1,24,361) | 5,40,731 | (1,24,361) |
| Other Banking Operations | 5,747 | 4,887 | 4,625 | 5,747 | 4,625 |
| Unallocated | 7,443 | 6,884 | 6,693 | 7,443 | 6,693 |
| Total | 4,89,428 | 4,83,523 | 4,49,773 | 4,89,428 | 4,49,773 |
| Particulars | As at 31.03.2026 (Audited) | As at 31.03.2025 (Audited) |
|---|---|---|
| Capital and Liabilities | ||
| Capital | 17,354 | 17,354 |
| Employees stock options outstanding | 3,239 | 2,383 |
| Reserves and surplus | 4,68,835 | 4,30,036 |
| Deposits | 44,24,592 | 36,86,149 |
| Borrowings | 7,15,444 | 5,54,628 |
| Other liabilities and provisions | 1,43,188 | 93,077 |
| Total | 57,72,652 | 47,83,627 |
| Assets | ||
| Cash and balances with Reserve Bank of India | 4,01,665 | 3,18,728 |
| Balances with banks and money at call & short notice | 8,015 | 40,490 |
| Investments | 11,95,529 | 11,38,934 |
| Advances | 39,84,784 | 31,50,705 |
| Fixed assets | 70,981 | 62,868 |
| Other assets | 1,11,678 | 71,902 |
| Particulars | Year ended 31.03.2026 Audited | Year ended 31.03.2025 Audited |
|---|---|---|
| Cash flows from operating activities | ||
| Profit before income tax | 85,116 | 79,953 |
| Adjustments for: | ||
| Depreciation on fixed assets | 10,733 | 7,639 |
| Provision for depreciation in value of investments | 986 | 234 |
| Provision towards non performing advances | 24,218 | 15,450 |
| Provision for standard assets | 3,488 | 2,662 |
| Employee stock option expense | 1,147 | 979 |
| (Profit)/Loss on sale of fixed assets | (51) | 26 |
| Amortisation of (discount) on investments | (716) | (100) |
| Other provisions and contingencies | 57 | 242 |
| 1,24,978 | 1,07,085 | |
| Adjustments for: | ||
| (Increase) in investments (excluding Held to Maturity Investments) | (21,479) | (5,94,818) |
| (Increase) in advances | (8,58,297) | (7,32,597) |
| (Increase) in other assets | (37,121) | (10,135) |
| Increase in deposits | 7,38,443 | 7,14,268 |
| Increase in other liabilities & provisions | 46,565 | 12,557 |
| (6,911) | (5,03,640) | |
| Direct taxes paid (net of refunds) | (24,454) | (21,912) |
| Net cash flow (used in) operating activities | (31,365) | (5,25,552) |
| Cash flows from investing activities: | ||
| Purchase of fixed assets and intangible assets | (19,137) | (30,024) |
| Proceeds from sale of fixed assets | 343 | 82 |
| (Increase)/Decrease in Held to Maturity Investments | (60,195) | 2,20,333 |
| Net cash flow (used in)/from investing activities | (78,989) | 1,90,391 |
| Cash flows from financing activities | ||
| Proceeds from Borrowings (net) | 1,60,816 | 3,78,890 |
| Net cash flow from financing activities | 1,60,816 | 3,78,890 |
| Net increase in cash and cash equivalents | 50,462 | 43,729 |
| Cash and cash equivalents at the beginning of the year | 3,59,218 | 3,15,489 |
| Cash and cash equivalents at the end of the year | 4,09,680 | 3,59,218 |
| Type of Borrower | Exposure to accounts classified as standard consequent to debt implementation of resolution plan – Position as at the end of the previous half year (A) | Exposure to accounts classified as standard consequent to debt implementation of resolution plan – Position as at the end of the current half year (B) | Exposure to accounts classified as standard consequent to debt implementation of resolution plan – Aggregate amount of (A) amount paid by the consequent to implementation of resolution plan during the half year (C) | Exposure to accounts classified as standard consequent to debt implementation of resolution plan – Aggregate amount of (A) amount written off during the half year (D) | Exposure to accounts classified as standard consequent to debt implementation of resolution plan – Aggregate amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount of (A) amount