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CSB Bank Limited (CSBBANK) investor relations material
CSB Bank Limited Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary13 Aug, 2025
Executive summary
Achieved 33% year-over-year growth in balance sheet size, reaching ₹48,580 Cr as of Q1 FY26, with deposits up 20% and net advances up 31%, outpacing industry averages.
Net profit for Q1 FY26 stood at ₹119 Cr (₹11,860 lakhs), up 5% year-over-year, with non-interest income rising 42% YoY.
Successfully completed a major technology transformation, including migration to a new core banking system, digital platforms, and datacenters.
Maintained strong capital adequacy at 21.71% and net NPA ratio at 0.66%.
Financial statements prepared in accordance with Indian GAAP, RBI guidelines, and SEBI regulations; unaudited results approved by the Board.
Financial highlights
Total income for Q1 FY26 was ₹1,286 Cr (₹128,565 lakhs), up 28% year-over-year.
Operating profit for Q1 FY26 was ₹220 Cr (₹22,031 lakhs), up 28% YoY but down sequentially.
Cost-to-income ratio improved to 57.92% in Q1 FY26.
NIM held steady at 3.54%; ROA for the quarter at 1.03%.
Book value per share at ₹258; EPS for Q1 FY26 at ₹6.84.
Outlook and guidance
NIM expected to remain between 3.5% and 4% for the year, with cost of funds projected to decline from Q2/Q3.
ROA guidance for FY26 is 1.5%, with a long-term target of 1.5–1.8% by 2030.
Credit cost guidance remains below 50 bps, with GNPA and NNPA expected to improve through the year.
Pursuing SBS 2030 strategy to become a mid-sized, new-age bank with national presence by 2030.
Continued investments in technology and risk management to support scalable growth.
When will tech transformation fully stabilize?
Are Q1 slippages fully secured and recoverable?
What is the target CD ratio for the bank?
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Next CSB Bank Limited earnings date
Q2 202623 Oct, 2025
Next CSB Bank Limited earnings date
Q2 202623 Oct, 2025
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Frequently asked questions
CSB Bank Limited, formerly known as Catholic Syrian Bank, is a private sector bank in India with a substantial presence particularly in the southern states. CSB Bank offers a wide range of banking and financial services catering to different customer segments including small and medium enterprises (SMEs), retail, and non-resident Indian (NRI) customers. Its service portfolio includes personal, corporate, and wholesale banking, along with treasury operations. The bank provides a variety of financial products such as savings, current, and fixed deposit accounts, loans (personal, gold, vehicle, home, and educational), as well as NRI banking services. The company is headquartered in Thrissur, Kerala, and its shares are listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE).
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