CSB Bank Ltd Q3 FY26 Results

Our growth momentum remained strong during Q3 FY 26 with a Deposit growth of 21% and a gross advance growth of 29% resulting in an overall growth of 25% in total business on a YoY basis. NII growth along with our continued efforts on strengthening the other income streams and prudent cost management, led to an improvement in operating profit by 32% over Q3 FY 25. Net Profit for the quarter stood at Rs 153 Crs. Q3 NIM was 3.86% the highest on a quarterly basis during FY 26. Our Asset quality parameters are well within the guided range though at a slightly elevated level from Q2 FY 26. This will be a key monitorable going forward and results would be hopefully visible during the current quarter itself. All other profitability, efficiency, liquidity, and capital adequacy ratios continue to be stable and in line with the expectations. We are gearing up to start the Scale Phase from the next fiscal, where retail growth will be emerging as the crucial game changer where lot of work is happening. As part of our retail asset journey, we have largely concluded the implementation of full- fledged LMS, LOS and digital roll outs and now set to proceed with the roll out of new products. On the liability side as well, we will be leveraging the modern technology towards ensuring customer delight through seamless processes, well segmented/customised products and superior digital experience which will translate into improved customer acquisition run rate. Our endeavour will be to deliver progressive improvements every quarter reinforcing our steadfast commitment to SBS 2030 vision.