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CSB Bank Limited (CSBBANK) investor relations material
CSB Bank Limited Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary6 Nov, 2025
Executive summary
Q2 FY26 delivered strong all-round performance with 27% YoY balance sheet growth and significant YoY and QoQ growth in both top and bottom lines, including a profit after tax of ₹160 crore, up 16% YoY.
Technology transformation post-CBS migration is nearly complete, enabling the next phase of digital and operational enhancements.
Strategic focus on building a robust, diversified, and sustainable business model, with gold loans, wholesale, SME, and retail as key pillars.
Non-interest income surged 75% YoY, driven by strong fee income growth.
Unaudited financial results for the quarter and half year ended September 30, 2025, were approved by the Board and reviewed by joint statutory auditors with an unmodified report.
Financial highlights
Net profit for Q2 FY26 was ₹160 crore (₹16,033 lakhs), up 16% YoY and 35% QoQ.
Net interest income for Q2 FY26 was ₹424 crore, up 15% YoY; total income reached ₹1,458 crore, a 37% YoY increase.
Operating profit grew 39% YoY and 27% QoQ to ₹279 crore.
Cost-to-income ratio at 63.86%-64.66%, slightly lower than previous quarters.
Earnings per share for Q2 FY26 stood at ₹36.67 (basic and diluted ₹9.24).
Outlook and guidance
NIM expected to remain in the 3.7%-3.9% range for the rest of the year.
Cost-to-income ratio to stay between 60%-65% for another year, then decline sharply from FY 2027.
Asset growth of 25%-30% targeted through 2030, subject to deposit franchise strength and liquidity.
Credit cost guidance maintained at 40-50 bps annually.
Continued investments in digital infrastructure and product diversification, with a focus on scaling to a mid-sized, new-age bank with national presence by 2030.
Portfolio mix shift beyond gold loan
Non-NII income sustainability drivers
AFS MTM impact on net worth
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Next CSB Bank Limited earnings date
Q3 25/2627 Jan, 2026
Next CSB Bank Limited earnings date
Q3 25/2627 Jan, 2026
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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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