CSB Bank announced its unaudited financial results for the second quarter ended September 30, 2026. Profit After Tax (PAT) saw a notable increase of 14% year-on-year, reaching ₹183 crore. The bank also reported healthy growth in its balance sheet size, gross advances, and total deposits, indicating positive business momentum for the period.
CSB Bank Reports Strong Q2 FY27 Financial Performance
CSB Bank Limited has disclosed its unaudited financial results for the quarter and half-year ended September 30, 2026. The bank demonstrated robust performance across key financial indicators, highlighting continued growth and stability.
Key Financial Highlights for Q2 FY27:
- Balance Sheet Size: Reached ₹60,561 crore, marking a 21% year-on-year increase.
- Gross Advances: Grew by 22% year-on-year to ₹42,383 crore.
- Deposits: Increased by 18% year-on-year, totaling ₹46,889 crore.
- Total Business: Expanded by 20% year-on-year to ₹89,272 crore.
- Total Income: Increased by 11% year-on-year to ₹1,612 crore.
- Net Interest Income (NII): Grew by 20% year-on-year to ₹510 crore.
- Non-Interest Income: Showed a substantial growth of 22% year-on-year, amounting to ₹274 crore.
- Profit After Tax (PAT): Increased by 14% year-on-year to ₹183 crore.
Asset Quality and Capital Adequacy:
- Capital Adequacy Ratio (CAR): Stood at a strong 19.55%, compared to 20.99% in Q2 FY26.
- Net NPA: Maintained at a low 0.33%, down from 0.52% in Q2 FY26.
- Return on Assets (ROA): Reported at 1.29%, an improvement from 1.33% in Q2 FY26.
- Net Interest Margin (NIM): Recorded at 3.81%, consistent with the previous year.
Operational and Strategic Overview
The presentation also provided insights into the bank’s strategic direction, business overview, digital penetration, and ESG framework. CSB Bank continues to focus on its long-term vision of becoming a mid-sized new-age bank with a national presence by 2030, driven by its ‘SBS 2030’ strategy. The bank emphasized its commitment to enhancing digital capabilities, strengthening its network, and maintaining a strong focus on customer-centricity and governance.
Source: BSE
