CSB Bank Limited has submitted its Business Responsibility and Sustainability Report (BRSR) for the financial year ended March 31, 2026, to the Securities and Exchange Board of India (SEBI), disclosing key environmental, social, and governance (ESG) metrics alongside operational data. The filing reveals that the bank received 32,854 customer complaints during FY26, with 135 cases pending resolution at the close of the year, signaling ongoing pressure on service delivery mechanisms despite digital transformation efforts.

The report was signed by Sijo Varghese, Company Secretary and Compliance Officer, and submitted to the Bombay Stock Exchange (BSE) and National Stock Exchange of India Ltd. (NSE) on July 28, 2026. CSB Bank operates across 902 locations, comprising 862 branches and 40 offices, serving customers in 18 states and 4 union territories. The bank’s paid-up capital stands at ₹173.49 crore, and its turnover for the year was ₹5,681.79 crore, against a net worth of ₹4,649.02 crore.

Workforce and Social Metrics

As of March 31, 2026, CSB Bank employed 8,187 permanent staff, with no workers categorized separately due to the nature of banking operations. The gender distribution shows 5,653 male employees (69.05%) and 2,534 female employees (30.95%). The employee turnover rate for permanent staff stood at 39.6% in FY26, down from 46.7% in FY25 and 47.0% in FY24, indicating improved retention stability.

The bank reported zero fatalities, zero lost-time injuries, and zero recordable work-related injuries for FY26. Additionally, 100% of employees were covered under health and accident insurance schemes. The bank also noted 17 sexual harassment complaints under the PoSH Act, with 15 resolved and 2 under internal committee proceedings.

Environmental Performance

CSB Bank disclosed a total energy consumption of 33,176.70 GJ for FY26, a significant decrease from 43,420.00 GJ in FY25. This reduction is attributed to the exclusion of previously misclassified data sources and improved calculation methodologies. Electricity consumption accounted for 32,773.43 GJ, while fuel consumption was 403.27 GJ.

Greenhouse gas emissions showed a similar downward trend. Scope 1 emissions dropped to 68.95 metric tonnes of CO2 equivalent from 191.99 in the prior year, while Scope 2 emissions fell to 6,463.65 metric tonnes from 8,245.19. The bank generated 91.39 metric tonnes of waste in FY26, compared to 129.61 metric tonnes in FY25, with plastic waste constituting the largest share at 74.68 metric tonnes.

Governance and Stakeholder Engagement

The bank’s CSR and ESG Committee, chaired by Ms. Renu Kohli, oversees sustainability-related decision-making. CSB Bank maintains affiliations with three national trade bodies: the Indian Banks’ Association, Fixed Income Money Market & Derivatives Association, and Foreign Exchange Dealers Association of India. No independent external assurance was obtained for the BRSR data for FY26.

In terms of social impact, the bank allocated funds to CSR projects in aspirational districts, including ₹21.90 lakh in Dhubri, Assam, and ₹14.60 lakh in Ramanathapuram, Tamil Nadu. The bank also highlighted its commitment to financial inclusion through schemes like Pradhan Mantri Jan Dhan Yojana (PMJDY) and priority sector lending to agriculture and micro-enterprises.

CSB Bank reported a 26.5% rise in net profit to ₹1,500.04 crore for the quarter ended June 30, 2026, compared to ₹1,186 crore in the same period last year. The increase was driven by a 17.9% growth in total income, which reached ₹15,160.7 crore, supported by higher interest earnings. The bank's asset quality improved, with gross non-performing assets (NPAs) falling to 1.75% from 1.84% a year ago.

The Board of Directors approved the unaudited financial results on July 22, 2026, following a review by the Audit Committee. The results were reviewed by joint statutory auditors Walker Chandiok & Co LLP and Sundaram & Srinivasan, who issued an unmodified review report. The bank operates primarily in the domestic segment, with reportable business segments including Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations.

Interest earned during the quarter stood at ₹12,873.2 crore, up from ₹10,409.4 crore in the corresponding period of the previous year. Other income declined to ₹2,287.5 crore from ₹2,447.1 crore. Operating profit before provisions and contingencies rose to ₹2,507.7 crore from ₹2,203.1 crore. Provisions and contingencies decreased to ₹490.3 crore from ₹607.9 crore in the year-ago quarter.

Key Financial Metrics

The Capital Adequacy Ratio (Basel-III) stood at 19.96% as of June 30, 2026, compared to 21.71% in the prior year. Basic earnings per share (EPS) increased to ₹8.65 from ₹6.84 in the same quarter last year. The bank's net profit for the fiscal year ended March 31, 2026, was ₹6,331.8 crore.

Segment Performance

Retail Banking remained the largest revenue contributor, generating ₹8,621.6 crore in segment revenue for the quarter. Corporate/Wholesale Banking and Treasury reported revenues of ₹3,822 crore and ₹2,356.4 crore, respectively. Total segment assets stood at ₹58,10,080 lakh, with Retail Banking accounting for the largest share at ₹27,95,451 lakh.

The bank disclosed that it had not transferred or acquired any loans in default or stressed loans during the quarter. It also confirmed that it does not have any subsidiaries, associates, or joint ventures as of June 30, 2026, making consolidated financial statements inapplicable.