CSB Bank has announced its audited financial results for the quarter and financial year ended March 31, 2026. The bank recorded a robust net profit of ₹633 crore for the year, reflecting steady growth in its core business operations. With a strong capital position and improving asset quality, the bank continues to demonstrate resilience and growth, maintaining a healthy capital adequacy ratio of 20.66%.
Annual Financial Highlights
For the financial year ended March 31, 2026, CSB Bank reported a total income of ₹5,681.79 crore, a significant increase from the previous year. The bank’s net profit reached ₹633 crore, compared to ₹593.80 crore in the previous fiscal year. This growth is supported by a solid performance in interest-earned activities, which totaled ₹4,505.19 crore for the year.
Quarterly Performance Review
During the final quarter (Q4) ending March 31, 2026, the bank achieved a net profit of ₹201.58 crore. This reflects a positive growth trajectory compared to the previous quarter (Q3), which reported ₹152.67 crore. The bank’s operating profit before provisions and contingencies for the quarter stood at ₹293.67 crore.
Asset Quality and Capital Strength
CSB Bank maintains a strong balance sheet with a capital adequacy ratio of 20.66% as of March 31, 2026. Asset quality has shown improvement, with gross non-performing assets (NPAs) reducing to 1.66% from 1.96% in the preceding quarter. Net NPAs also saw a marked decline to 0.40%. Total advances increased significantly to ₹39,847.84 crore, while total deposits grew to ₹44,245.92 crore.
Segment Performance
The bank’s business remains diversified, with Retail Banking continuing as a key driver, generating a segment revenue of ₹3,104.83 crore for the fiscal year. Corporate/Wholesale Banking also contributed significantly with ₹1,505.75 crore in revenue. The results reaffirm the bank’s commitment to consistent growth and prudent financial management.
Source: BSE
