CSB Bank Q1 FY26 Earnings Results: Deposits Up 20% to ₹35,935 Crore, Advances Up 31% to ₹32,552 Crore

The Board of Directors of CSB Bank approved the financial results for the quarter ended June 30, 2025 (Q1 FY26) during their meeting on August 13, 2025, following a limited review by the Statutory Auditors.

CSB Bank Q1 FY26 Quarterly Highlights

• Deposits: Total deposits rose 20% YoY to ₹35,935 crore, with CASA ratio at 23%.
   
• Advances: Net advances grew 31% YoY to ₹32,552 crore, driven by a 36% jump in gold loans.
   
• Income: Net Interest Income (NII) increased 5% YoY to ₹379 crore, while non-interest income surged 42% to ₹245 crore.
   
• Profitability: Operating profit rose 28% YoY to ₹220 crore; PAT increased 5% to ₹119 crore.
   
• Efficiency: Cost-to-income ratio improved to 65% from 68% last year.
   
• Capital Strength: CRAR stood at 21.71%, well above regulatory norms.
  
   
• Asset Quality: Gross NPAs at 1.84% and Net NPAs at 0.66%, remaining within target levels.

MD & CEO Pralay Mondal called Q1 FY26 “special” due to the successful core banking system (CBS) migration and launch of over 50 supporting systems, boosting operational capabilities. He noted that despite tech transition challenges and higher costs, the bank delivered solid growth in deposits, advances, and fee income.

Key Financial Performance (YoY)

• Deposits: ₹35,935 crore (+20%)
   
• Advances: ₹32,552 crore (+31%)
   
• Gold Loan Portfolio: ₹14,928 crore (+36%)
   
• Operating Profit: ₹220 crore (+28%)
   
• PAT: ₹119 crore (+5%)

About CSB Bank

Founded over 100 years ago, CSB Bank is among India’s oldest private sector banks. Headquartered in Thrissur, Kerala, it has a strong presence in southern states and offers services across SME, retail, and NRI segments through 834 branches, 800 ATMs/CRMs, and digital platforms.

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CSB Bank Share Price Movement

CSB Bank share price (NSE: CSBBANK) was ₹360.95 at 10:29 am IST on August 14, down ₹24.15 or 6.27% for the day, with an opening and high of ₹375.00, a low of ₹352.20, a market cap of ₹6,130 crore, a P/E ratio of 10.55, no dividend yield, a 52-week high of ₹445.60, and a 52-week low of ₹272.75.

Conclusion

CSB Bank’s Q1 FY26 performance shows solid growth in core operations despite cost pressures from major technology upgrades. With new systems in place, the bank is poised for stronger growth in the upcoming quarters as part of its SBS 2030 vision.

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