Stock Report

CSB Bank Ltd announces Q4FY26, FY2026 Financial Results

Posted On : 2026-05-04 21:56:59( TIMEZONE : IST )

The Board of Directors of CSB Bank took on record the financial results for the quarter (Q4 FY 2026) and year ended 31.03.2026 which were subject to audit by the Statutory Auditors in their meeting held on 04.05.2026.

Highlights

a) Total Deposits grew by 20% YoY from ₹ 36,861 crore as on 31.03.2025 to ₹ 44,246 crore as on 31.03.2026. The CASA ratio stood at 20% as on 31.03.2026.

b) Advance (Net) grew by 26% YoY from ₹ 31,507 crore as on 31.03.2025 to ₹ 39,848 crore as on 31.03.2026 supported by a robust growth of 53% in gold loans and 37% in Wholesale on YoY basis.

c) Net Interest Income (NII) grew by 25% YoY from ₹ 371 crore for Q4 FY25 to ₹ 464 crore for Q4 FY26 and up 2% QoQ from ₹ 453 crore for Q3 FY26. For FY26, NII grew by 17% and stood at ₹ 1,720 crore against ₹ 1,476 crore in FY25.

d) Non-Interest Income grew by 21% from ₹ 972 crore for FY25 to ₹ 1,177 crore for FY26. Non-Interest Income grew by 11% QoQ from ₹ 276 crore for Q3 FY26 to ₹ 306 crore for Q4 FY26.

e) Cost Income Ratio (CIR) stood at 61.88% for Q4 FY26 compared to 57.92% for Q4 FY25 and 59.97% for Q3 FY26. CIR as on 31.03.26 on a full FY basis is 62.53% which is a tad lower than 62.82% as on 31.03.25

f) Operating Profit stood at ₹ 294 Crore for Q4 FY26 as against ₹ 317 crore for Q4 FY25. FY26 operating profit grew YoY by 19% and stood at ₹ 1,085 crore against ₹ 910 crore in FY25.

g) Profit after Tax (PAT) up by 32% QoQ from ₹ 153 crore for Q3 FY26 to ₹ 202 crore for Q4 FY26 and up by 6% YoY as well from ₹ 190 crore for Q4 FY25. For FY26, PAT grew YoY by 7% and stood at ₹ 633 crore against ₹ 594 crore in FY25. We continue to maintain the accelerated provisioning policy during this quarter as well. Return on Assets and NIM were at 1.53% and 3.83% respectively during Q4 FY26.

h) Robust Capital Structure - Capital Adequacy Ratio is at 20.66%, which is well above the regulatory requirement. CRAR as on 31.03.2025 was 22.46%.

i) Asset Quality & Provisioning - Gross non-performing assets were at 1.66% as on 31.03.2026 as against 1.96% as on 31.12.2025 and 1.57% as on 31.03.2025
Net non-performing assets were at 0.40% as on 31.03.2026 as against 0.67% as on 31.12.2025 and 0.52% as on 31.03.2025.

MD & CEO Speak: Buoyed with the encouraging results of the Bank for FY 26, despite facing internal & external challenges, the MD & CEO speaking on the side lines said that while we are cherishing what we have done during the just concluded year, we are equally excited as we are entering the crucial Scale Phase of our SBS 2030 vision during this fiscal on a very strong note. We believe that the slur of activities planned & strategized for FY 27 will help us sail through it smoothly.

Successfully navigating the teething issues associated with our large-scale Core migration during the year, we delivered solid and sustained performance across various business and profitability parameters. For the fourth consecutive quarter in FY 26, our deposit and advance growth outperformed industry averages, recording 20% and 27% YoY growth, respectively. Our operating performance remained robust, with a 19% increase in operating profit and a 7% improvement in net profit over the previous financial year. Q4 FY 26 marked the best quarter in terms of asset quality, with GNPA and NNPA ratios at their lowest levels for the year. All other profitability, efficiency, liquidity, and capital adequacy metrics continue to remain stable and well within expected ranges, reinforcing the strength and resilience of our operating fundamentals.

As we move into the Scale Phase of SBS 2030, our focus will be on accelerating sustainable and profitable growth anchored in strong fundamentals. Leveraging our stabilized core and enhanced operational efficiency, we look forward to drive higher productivity, disciplined risk management, strong compliance culture and superior customer outcomes thereby delivering long-term value on the back of the strong customer franchise we are building.

Shares of CSB Bank Limited was last trading in BSE at Rs. 391.95 as compared to the previous close of Rs. 381.55. The total number of shares traded during the day was 149710 in over 3732 trades.

The stock hit an intraday high of Rs. 413.50 and intraday low of 383.80. The net turnover during the day was Rs. 59705499.00.