| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 1.0K | 6.1% |
| Total Income | 1.3K | 5.6% |
| Expenditure | 1.1K | 1.9% |
| PBT | 159.52 | 37.8% |
| Net Profit | 118.60 | 37.7% |
| OPM | 21.16% | 11.13pp |
| NPM | 9.22% | 4.76pp |
| EPS | 6.84 | 37.7% |
CSB Bank Reports 20% YoY Rise in Total Deposits and 31% YoY Growth in Advances for Q1 FY26
13 Aug 2025 · 13 Aug 2025, 02:41 pm
Summary
CSB Bank has reported a 20% YoY rise in total deposits and a 31% YoY growth in advances for Q1 FY26. The net interest income (NII) has grown by 5% YoY and non-interest income has grown by 42% YoY. The cost income ratio has reduced from 68% to 65%. Operating profit and profit after tax (PAT) have grown by 28% YoY and 5% YoY respectively. The bank maintains a robust capital structure with a Capital Adequacy Ratio of 21.71%. Gross non-performing assets are at 1.84% and net non-performing assets are at 0.66% as on 30.06.2025.
Key Highlights
- 1
Total Deposits grew by 20% YoY from ₹ 29,920 crore as on 30.06.2024 to ₹ 35,935 crore as on 30.06.2025.
- 2
Advance (Net) grew by 31% YoY from ₹ 24,844 crore as on 30.06.2024 to ₹ 32,552 crore as on 30.06.2025.
- 3
Net Interest Income (NII) up by 5% YoY from ₹ 362 crore for Q1 FY25 to ₹ 379 crore for Q1 FY26.
- 4
Non-Interest Income up 42% YoY from ₹ 172 Crore for Q1FY25 to ₹ 245 Crore for Q1 FY26.
- 5
Cost Income Ratio is at 65% for Q1 FY26 reduced from 68% for Q1 FY25.
- 6
Operating Profit up by 28% YoY from ₹ 172 crore for Q1 FY25 to ₹ 220 crore for Q1 FY26.
- 7
Profit after Tax (PAT) up by 5% YoY from ₹ 113 crore for Q1 FY25 to ₹ 119 crore for Q1 FY26.
- 8
Capital Adequacy Ratio is at 21.71%, which is well above the regulatory requirement.
- 9
Gross non-performing assets were at 1.84% as on 30.06.2025 as against 1.69% as on 30.06.2024.
- 10
Net non-performing assets were at 0.66% as on 30.06.2025 as against 0.68% as on 30.06.2024.
Management Comments
Mr. Pralay Mondal
Managing Director & CEO
Q1 FY 26 is incredibly special for us as it marked a pivotal milestone of our successful CBS migration along with the roll out of fifty plus surround systems, thus enhancing our capabilities manifold and taking us very close to the launch of Scale Phase in our SBS 2030 journey. Despite these challenging times, we had a decent quarter in terms of growth and profitability. We could register a growth of 20% in deposits and 31% in gross advances on a YoY basis as at the quarter end. Our CASA book grew by 13% over Q1 FY 25. All the asset verticals viz, Retail including Gold, SME and WSB continued the growth trajectory and overall assets registered a YoY growth of above 30%. Gold portfolio grew by 36%. On the bottom line, our operating/net profit grew by 28% and 5% respectively compared to Q1 FY 25. Our fee momentum continued with a 42% growth on a YoY basis. GNPA and NNPA ratio of 1.84% and 0.66% respectively were within our overall guidance. The cost to income ratio is showing a declining trend on a YoY basis. Though the elevated costs primarily driven by technology implementation and slightly higher slippages put some pressure on the bottom line, the profitability, efficiency, liquidity, and capital adequacy ratios continue to be stable and CRAR is well above the regulatory prescriptions as applicable.
Informational and educational content only. Not investment advice.