CSB Bank has released its asset quality metrics for the third quarter, revealing changes in its non-performing asset ratios. The private sector bank's performance indicators show mixed trends in asset quality management during the reporting period.

Asset Quality Performance

The bank's asset quality metrics demonstrate quarter-on-quarter changes across key parameters. The data reflects the bank's current position in managing its loan portfolio and credit risk.

| Asset Quality Metric: | Q3 Performance | Previous Quarter | Change || | ---: | :--- | :--- | :--- | | Gross NPA Ratio: | 1.96% | 1.81% | +0.15% | | Net NPA Ratio: | 0.67% | 0.52% | +0.15% |

Key Observations

The Gross Non-Performing Assets ratio increased to 1.96% in the third quarter, compared to 1.81% in the previous quarter, indicating a quarter-on-quarter rise of 15 basis points. This metric represents the percentage of gross advances that have turned non-performing.

Similarly, the Net Non-Performing Assets ratio reached 0.67% versus 0.52% in the preceding quarter, showing an increase of 15 basis points. The NNPA ratio accounts for provisions made against non-performing assets and provides insight into the bank's actual exposure to credit losses.

Asset Quality Analysis

Both GNPA and NNPA ratios have shown an upward trajectory during the quarter, suggesting some pressure on asset quality. The parallel movement in both ratios indicates that the increase in gross NPAs has translated proportionally to net NPAs, reflecting the bank's provisioning practices during this period.

CSB Bank has reported its third quarter financial performance, showing a net profit of ₹1.53 billion compared to ₹1.50 billion recorded in the same quarter of the previous year. The results indicate steady growth in the bank's profitability on a year-on-year basis.

Financial Performance Overview

The bank's quarterly results demonstrate consistent operational performance with measured growth in net profitability. The increase from the previous year's corresponding quarter reflects the institution's ability to maintain stable earnings.

Quarterly Results Analysis

The third quarter performance shows the bank's continued focus on maintaining profitability levels. The reported figures indicate steady progress in the bank's financial metrics, with net profit showing positive movement compared to the same period in the previous fiscal year.

The year-on-year comparison provides insight into the bank's operational efficiency and its ability to generate consistent returns. The modest increase in net profit reflects the bank's stable business model and operational execution during the reporting period.