CSB Bank has submitted the newspaper publication clippings for its 105th Annual General Meeting (AGM) to the exchanges. The intimation was published in Business Standard (English) and Deepika (Malayalam) on July 23, 2026. The AGM is scheduled for Friday, August 21, 2026, at 11:00 a.m. IST via video conferencing and other audio-visual means, in compliance with the Companies Act, 2013, and relevant circulars issued by the Ministry of Corporate Affairs (MCA) and the Securities and Exchange Board of India (SEBI).

The meeting will be conducted without the physical presence of members at a common venue. Members attending through video conferencing or other audio-visual means will be counted for the purpose of reckoning the quorum under Section 103 of the Act. The Notice of the AGM and the Annual Report for the Financial Year 2025-26 will be sent electronically to members whose email addresses are registered with the Bank or Depository Participants. Physical copies of the Annual Report will be sent only to members who request them via email.

Pursuant to Section 91 of the Companies Act, 2013, and Regulation 42 of the SEBI Listing Regulations, the Register of Members and Share Transfer Books of the bank will remain closed from August 15, 2026, to August 21, 2026. This closure is to determine the eligibility of members for the AGM. The documents are also available on the bank's website and the websites of BSE Limited and National Stock Exchange of India Ltd.

Sijo Varghese, Company Secretary, confirmed the submission of the publication clippings in a filing to the exchanges.

CSB Bank reported a 27% year-on-year increase in net profit to ₹150 crore for the quarter ended June 30, 2026. The bank's total deposits grew by 26% to ₹45,415 crore, while net advances rose 24% to ₹40,309 crore, supported by robust growth in gold loans and wholesale banking. Asset quality showed a mixed trend on a sequential basis, with Gross NPAs rising to 1.75% from 1.66% quarter-on-quarter, while Net NPAs improved marginally to 0.39% from 0.40% QoQ.

Financial Performance

The bank's Net Interest Income (NII) grew by 26% YoY to ₹479 crore, while non-interest income stood at ₹229 crore. Operating profit rose by 14% YoY to ₹251 crore. Provisions and contingencies for the quarter were recorded at ₹49 crore, rising from ₹23 crore in the previous quarter on a sequential basis. The following table summarises the key financial metrics:

Asset Quality and Ratios

On a year-on-year basis, Gross NPAs improved to 1.75% as of June 30, 2026, from 1.84% a year ago. However, on a sequential basis, Gross NPAs edged higher from 1.66% in the previous quarter. Net NPAs showed improvement both year-on-year — declining from 0.66% in Q1FY26 — and quarter-on-quarter, easing from 0.40% to 0.39%. The Capital Adequacy Ratio (Basel-III) stood at 19.96%, compared to 21.71% reported in the corresponding quarter of the previous year. The bank's Return on Assets (annualised) improved to 1.09% from 1.01% in Q1FY26.

Operational Highlights

The Cost Income Ratio stood at 64.55% for Q1 FY27 compared to 64.70% for Q1 FY26. The CASA ratio stood at 19% as on June 30, 2026. Gold loans grew by 47% YoY to ₹21,906 crore, while wholesale banking advances grew by 37% YoY. The bank's Net Interest Margin (NIM) was at 3.66% during Q1 FY27.

Regulatory Disclosures

The unaudited financial results were reviewed by the Audit Committee and approved by the Board of Directors on July 22, 2026. The bank transferred funds from the Investment Fluctuation Reserve to General Reserve during the quarter, following an RBI direction dated May 18, 2026.