CSB Bank announced its unaudited financial results for the quarter ended December 31, 2025. The bank reported a net profit of ₹15.27 crore, with total income reaching ₹143.07 crore. Asset quality remained stable, with gross NPA at 1.96%. The bank’s Capital Adequacy Ratio stood at 19.41%. These results reflect the bank’s consistent performance.
Financial Performance
CSB Bank reported a net profit of ₹15.27 crore for the quarter ended December 31, 2025, compared to ₹15.16 crore for the same quarter last year. Total income increased to ₹143.07 crore from ₹113.88 crore in Q3 2024. Interest earned rose to ₹115.42 crore, driven primarily by interest/discount on advances/bills which stood at ₹95.20 crore.
Expenditure
The bank’s total expenditure (excluding provisions and contingencies) amounted to ₹113.86 crore for Q3 2026. Interest expended was ₹70.10 crore, and operating expenses totaled ₹43.76 crore, with employee costs contributing ₹23.18 crore. The operating profit before provisions and contingencies reached ₹29.21 crore.
Asset Quality and Key Ratios
CSB Bank maintained stable asset quality. Gross NPAs stood at 1.96%, while Net NPAs were at 0.67% as of December 31, 2025. The Capital Adequacy Ratio (Basel III) was reported at 19.41%. The Return on Assets (ROA) annualized stood at 1.18%. Earnings per share (EPS) before and after extraordinary items was ₹8.80.
Segment Performance
Treasury: Reported a segment result (net of provisions) of ₹1.51 crore.
Corporate/Wholesale Banking: Showed a segment result of ₹2.43 crore.
Retail Banking: Recorded a segment result of ₹14.76 crore.
Other Banking Operations: Contributed a segment result of ₹2.02 crore.
Project Finance Disclosure
The total outstanding for projects under implementation accounts at the end of the quarter stood at ₹17,955 lakhs across 6 accounts.
Source: BSE
