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CSB Bank
CSB Bank (CSBBANK) investor relations material
CSB Bank Q4 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 25/26 earnings summary4 May, 2026
Executive summary
FY 2026 ended with strong growth in profitability, asset quality, and operational performance, with balance sheet size up 21% to ₹57,727 crore and net profit at ₹633 crore, up 7% year-over-year.
Gross advances increased 27% to ₹40,359 crore, and deposits rose 20% to ₹44,246 crore, outpacing industry growth.
Net interest income grew 17% to ₹1,720 crore, and non-interest income rose 21% to ₹1,177 crore.
Successfully migrated to a new core banking system, enabling future scalability and product launches.
Audited financial results for FY26 were approved by the Board with an unmodified audit opinion.
Financial highlights
Total income for FY26 reached ₹5,682 crore, up 24% year-over-year; operating profit grew 19% to ₹1,085 crore.
Net profit for FY26 was ₹633 crore; Q4 net profit was ₹202 crore.
Book value per share: ₹272; EPS for FY26: 36.5; Q4 EPS: 47.12.
ROE for FY26: 14.14%; ROA for FY26: 1.29%; NIM for FY26: 3.76%.
Cost-to-income ratio for FY26: 62.53%.
Outlook and guidance
Targeting 25% loan growth for the next year, contingent on deposit growth and liability franchise build-up.
ROA and ROE expected to sustain around 1.5% and 15%, respectively.
Cost-to-income ratio to remain between 60-65% until FY 2027, with improvement expected from FY 2028.
Strategic focus on expanding pan-India presence, digital transformation, and product diversification.
Continued investments in technology and risk management to support scalable growth.
Drivers for the 112% increase in provisions
Corporate profit decline vs revenue growth
Status of project finance DCCO extensions
Drivers of the 112% increase in provisions
Impact of declining CASA on NIM compression
Expansion plans for Delhi, Telangana and Gujarat
Partial view of Summaries dataset, powered by Quartr API
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Latest events from CSB Bank
- Q3 FY26 saw 32% operating profit growth, strong advances, and robust capital adequacy.CSBBANK
Q3 25/263 Feb 2026 - Q1 FY25 saw strong growth, but margins and profit declined amid regulatory changes.CSBBANKQ1 20252 Feb 2026
- Q2 FY25 net profit up 22% QoQ to INR 138 crores, with strong capital and digital growth.CSBBANKQ2 202518 Jan 2026
- Q3 FY25 net profit was ₹152 crore, advances up 26% YoY, NIM at 4.11%, capital adequacy 21.08%.CSBBANKQ3 24/259 Jan 2026
- FY25 net profit rose to ₹59,380 lakhs, with strong growth and robust capital ratios.CSBBANKQ4 24/2529 Nov 2025
- Balance sheet up 33% YoY, with strong profit, asset quality, and digital adoption.CSBBANKQ1 25/2623 Nov 2025
- Q2 FY26 delivered 27% balance sheet growth, 16% profit rise, and strong digital adoption.CSBBANKQ2 202619 Nov 2025
Next CSB Bank earnings date
Q1 26/2712 Aug, 2026
CSB Bank
Next CSB Bank earnings date
Q1 26/2712 Aug, 2026
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Amina0781App Store
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@theshortbearx.com
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