CSB Bank announced a robust performance for Q3 FY2026. Total deposits increased by 21% YoY, reaching ₹40,460 crore. Net advances grew by 28% YoY, driven by growth in gold loans and wholesale banking. Net Interest Income (NII) rose by 21% YoY to ₹453 crore. The bank’s operating profit increased by 32% YoY to ₹292 crore, reflecting improved efficiency and income streams.
Key Financial Highlights
CSB Bank showcased significant growth in its key financial metrics for Q3 FY2026:
- Total Deposits: Increased by 21% YoY, from ₹33,407 crore to ₹40,460 crore.
- Net Advances: Grew by 28% YoY, from ₹28,639 crore to ₹36,677 crore, fueled by strong performance in gold loans and wholesale banking.
- Net Interest Income (NII): Rose by 21% YoY to ₹453 crore.
- Non-Interest Income: Increased by 26% YoY to ₹276 Crore.
- Operating Profit: Increased by 32% YoY to ₹292 crore.
- Profit After Tax (PAT): Stood at ₹153 crore.
Key Ratios and Performance Metrics
The bank also reported improvements in key performance ratios:
- Cost to Income Ratio: Improved to 60%.
- Capital Adequacy Ratio (CAR): Maintained at a strong 19.41%.
- Return on Assets: Stood at 1.22% during Q3 FY26.
- Net Interest Margin (NIM): Stood at 3.86% during Q3 FY26.
Asset Quality
Asset quality remained stable:
- Gross Non-Performing Assets (GNPA): Stood at 1.96% as of December 31, 2025.
- Net Non-Performing Assets (NNPA): Stood at 0.67% as of December 31, 2025.
MD & CEO Commentary
The MD & CEO highlighted the bank’s strong growth momentum in Q3 FY26, with deposit growth of 21% and gross advance growth of 29%. They emphasized the improvement in operating profit by 32% and the continued efforts to strengthen income streams. The bank aims to deliver progressive improvements every quarter, reinforcing its commitment to its SBS 2030 vision.
Source: BSE
