CSB Bank Limited Releases Unaudited Financial Results for Quarter Ended June 30, 2026; Highlights Key Ratios
CSB Bank Limited has announced its Unaudited Financial Results and a Limited Review Report for the quarter ended June 30, 2026. The Board of Directors reviewed and approved these results in a meeting held on July 22, 2026, alongside the review report issued by the joint statutory auditors, Walker Chandiok & Co. LLP and Sundaram & Srinivasan.The Unaudited Financial Results provide insight into the Bank's performance across various metrics for the quarter. The results have been prepared in accordance with Accounting Standard 25 (AS 25) and relevant provisions of the Banking Regulation Act, 1949.
Key Financial Performance Highlights
The financial performance data comparing the current quarter (June 30, 2026), the preceding quarter (March 31, 2026), the previous year's unaudited results (June 30, 2025), and the full-year audited results (March 31, 2026) is presented below (figures in Lakhs):| Particulars | Qtr ended 30.06.2026 Unaudited | Qtr ended 31.03.2026 Unaudited | Qtr ended 30.06.2025 Unaudited | Year ended 31.03.2026 Audited |
|---|---|---|---|---|
| Total Income | 1,51,607 | 1,50,707 | 1,28,565 | 5,68,179 |
| Interest earned (a) | 1,07,231 | 99,596 | 84,510 | 3,70,747 |
| Income on investments (b) | 20,434 | 20,115 | 18,737 | 76,287 |
| Other income | 22,875 | 30,621 | 24,471 | 1,17,660 |
| Total Expenditure | 1,26,530 | 1,21,340 | 1,06,534 | 4,59,640 |
| Operating Profit before Provisions and Contingencies | 25,077 | 29,367 | 22,031 | 1,08,539 |
| Provisioning & Contingencies | 4,903 | 2,302 | 6,079 | 23,423 |
| Profit from Ordinary Activities before Tax | 20,174 | 27,065 | 15,952 | 85,116 |
| Net Profit for the period | 15,004 | 20,158 | 11,860 | 63,318 |
Asset Quality and Capital Adequacy Ratios
The results indicate stable performance across various risk metrics:| Ratio/Metric | Qtr ended 30.06.2026 | Qtr ended 31.03.2026 | Qtr ended 30.06.2025 | Year ended 31.03.2026 |
|---|---|---|---|---|
| Capital Adequacy Ratio (Basel-III) | 19.96% | 20.66% | 21.71% | 20.66% |
| Gross NPAs | 71,542 | 66,978 | 60,649 | 66,978 |
| % of Gross NPAs | 1.75% | 1.66% | 1.84% | 1.66% |
| Net NPAs | 15,768 | 15,823 | 21,515 | 15,823 |
| % of Net NPAs | 0.39% | 0.40% | 0.66% | 0.40% |
| Return on Assets (Annualised) | 1.06% | 1.50% | 1.01% | 1.26% |
| Debt Equity Ratio | 116.36% | 146.18% | 115.09% | 146.18% |
Segment Performance Review
The Bank's total revenue and results are derived from multiple banking segments. The segment performance data, in lakhs, is available as follows:| Particulars | Qtr ended 30.06.2026 Unaudited | Qtr ended 31.03.2026 Unaudited | Qtr ended 30.06.2025 Unaudited | Year ended 31.03.2026 Audited |
|---|---|---|---|---|
| Total Revenue | 1,51,607 | 1,50,707 | 1,28,565 | 5,68,179 |
| Net Results (of operations) | 20,174 | 27,065 | 15,952 | 85,116 |
| Total Assets | 58,10,080 | 57,72,652 | 48,57,963 | 57,72,652 |
Breakdown of Segment Revenue and Results:
| Segment | Qtr ended 30.06.2026 (Revenue) | Qtr ended 30.06.2026 (Net Result) |
|---|---|---|
| Corporate/Wholesale Banking Revenue | 38,220 | 2,839 |
| Retail Banking Revenue | 86,216 | 14,599 |
| Treasury Revenue | 23,564 | 1,470 |
Operational and Regulatory Disclosures
Regarding compliance and specialized disclosures for the quarter:- Project Finance: The Bank reported that it had four accounts under implementation at the end of the quarter. Of these, one account's resolution process was invoked involving extension in original/extended DCCO.
- Loan Transfers/Acquisitions: For the quarter ended June 30, 2026, the Bank reported that it did not transfer or acquire any loans not in default through assignment of loans, nor did it transfer or acquire any stressed loans (Non-performing asset or special mention account).
- Pillar 3 Disclosures: The Bank has made Pillar 3 disclosures, including leverage ratio, liquidity coverage ratio, and net stable funding ratio (NSFR) under the Basel III framework. These disclosures are available on the bank's website and were not subject to audit review by the Joint Statutory Auditors.
- Subsidiaries: The Bank does not have any subsidiaries or associates or joint ventures as of June 30, 2026, making consolidated financial statement disclosure inapplicable.
CSBBANK Stock Price Movement
As of 12:57 PM, shares of CSB Bank Limited are slipping by 0.35% in live trading, currently sitting at ₹368.70 after shedding ₹1.30 intraday. The stock traded with a volume of 288,288 shares and has tested an intraday low of ₹363.00.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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