CSB Bank has announced its audited financial results for the quarter and year ended March 31, 2026. The Bank reported a solid annual performance, with a total income of ₹5,68,179 lakh and a net profit of ₹63,318 lakh for the fiscal year. These figures reflect the Bank’s continued growth and operational stability, backed by an unmodified opinion from its statutory auditors, Walker Chandiok & Co. LLP and Sundaram & Srinivasan.
Annual Financial Highlights
For the financial year ended March 31, 2026, CSB Bank recorded a total income of ₹5,68,179 lakh, up from ₹4,56,920 lakh in the previous year. The net profit for the year stood at ₹63,318 lakh, demonstrating robust growth compared to the ₹59,380 lakh reported for the year ended March 31, 2025. The Bank’s operating profit before provisions and contingencies for the full year reached ₹1,08,539 lakh.
Quarterly Performance Review
In the final quarter (Q4: Jan-Mar 2026), the Bank achieved a net profit of ₹20,158 lakh, showing a positive trend compared to the ₹15,267 lakh reported in the third quarter of the fiscal year. The interest earned during the final quarter amounted to ₹1,20,086 lakh, while the total income for the quarter was reported at ₹1,50,707 lakh.
Asset Quality and Capital Adequacy
The Bank maintained a healthy asset quality profile, with Gross NPAs at 1.66% and Net NPAs at 0.40% as of March 31, 2026. The Capital Adequacy Ratio (Basel-III) remains strong at 20.66%, underscoring the Bank’s solid capital position. These indicators reflect the Bank’s prudent management of its loan portfolio and capital reserves throughout the year.
Segment and Operational Outlook
The Bank continues to see significant contribution from its core business segments. Retail Banking remains a major driver, contributing ₹3,10,483 lakh to the annual segment revenue. The Bank also noted that it successfully managed the incremental impact of ₹522 lakh related to the new Labour Codes, which was recognized in the profit and loss account during the fiscal year.
Source: BSE
