CSB Bank Q1 net profit rises 26.5% to ₹1,500 crore
CSB Bank reported a 26.5% rise in Q1FY26 net profit to ₹1,500.04 crore, driven by a 17.9% growth in total income to ₹15,160.7 crore. Asset quality improved with gross NPAs falling to 1.75%.
*this image is generated using AI for illustrative purposes only.
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
| Metric | Q1FY26 (₹ in Lakhs) | Q1FY25 (₹ in Lakhs) | YoY Change |
|---|---|---|---|
| Net Profit | 15,004 | 11,860 | +26.5% |
| Total Income | 1,51,607 | 1,28,565 | +17.9% |
| Interest Earned | 1,28,732 | 1,04,094 | +23.7% |
| Operating Profit | 25,077 | 22,031 | +13.8% |
| Gross NPAs (%) | 1.75% | 1.84% | -0.09% |
| Net NPAs (%) | 0.39% | 0.66% | -0.27% |
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.
Historical Stock Returns for CSB Bank
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -2.10% | -7.56% | -7.05% | -31.75% | -20.50% | +4.71% |
How does CSB Bank plan to deploy its strong capital adequacy ratio to drive future growth?
Will the decline in other income continue to impact overall profitability in the coming quarters?
What strategies will the bank employ to further reduce gross NPAs below the current 1.75%?
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