| Metric | Value (₹ Cr) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 1.1K | 6.5% | 28.3% |
| Total Income | 1.5K | 13.4% | 37.0% |
| Expenditure | 1.2K | 10.7% | 36.5% |
| PBT | 215.65 | 35.2% | 15.7% |
| Net Profit | 160.33 | 35.2% | 15.8% |
| OPM | 25.18% | 4.02pp | |
| NPM | 10.99% | 1.77pp | 2.02pp |
| EPS | 9.24 | 35.1% | 15.8% |
CSB Bank Reports 16% YoY Increase in Profit After Tax for Q2 FY26
05 Nov 2025 · 5 Nov 2025, 03:47 pm
Summary
CSB Bank has reported a 16% Year-over-Year (YoY) increase in Profit After Tax (PAT) for the second quarter of the financial year 2026 (Q2 FY26). The bank's total deposits grew by 25% YoY, and advances (net) grew by 29% YoY. Net Interest Income (NII) increased by 15% YoY, and Non-Interest Income rose by 75% YoY. The Cost Income Ratio is at 64% for Q2 FY26, and Operating Profit is up by 39% YoY. The bank maintains a robust capital structure with a Capital Adequacy Ratio of 20.99%, well above the regulatory requirement.
Key Highlights
- 1
Total Deposits grew by 25% YoY
- 2
Advance (Net) grew by 29% YoY
- 3
Net Interest Income (NII) up by 15% YoY
- 4
Non-Interest Income up by 75% YoY
- 5
Cost Income Ratio is at 64% for Q2 FY26
- 6
Operating Profit up by 39% YoY
- 7
Profit after Tax (PAT) up by 16% YoY
- 8
Capital Adequacy Ratio is at 20.99%
- 9
Gross non-performing assets were at 1.81% as on 30.09.2025
- 10
Net non-performing assets were at 0.52% as on 30.09.2025
Management Comments
CSB Bank MD & CEO
Our performance this quarter demonstrates a steadfast commitment to the SBS 2030 envisioned by the Bank. Despite the ongoing challenges in the broader market, our team's strategic focus on both growth and system stabilization in a calibrated manner has driven improved outcomes as compared to Q1 FY26.
Informational and educational content only. Not investment advice.