CSB Bank (CSBBANK) Q4 24/25 earnings summary

Executive summary

• Net profit for FY25 reached ₹59,380 lakhs (INR 594 crore), up 5% year-over-year; Q4 net profit was ₹190 crore, a 26% increase year-over-year.

• Operating profit for FY25 was ₹91,024 lakhs (INR 910 crore), up from ₹77,992 lakhs in FY24.

• Balance sheet grew 33% year-over-year to ₹47,836 crore; total business rose 27% to ₹68,703 crore.

• Non-interest income surged 66% year-over-year to ₹972 crore for FY25 and 94% in Q4 FY25.

• Capital adequacy ratio remained strong at 22.46% as of March 2025.

Financial highlights

• Total income for FY25 was ₹456,920 lakhs, up from ₹351,183 lakhs in FY24; Q4 FY25 total income at ₹1,362 crore, up 37% year-over-year.

• Net interest margin (NIM) for FY25 was 4.13%; Q4 NIM was 3.75%.

• Return on assets (ROA) for FY25 was 1.49%; Q4 ROA at 1.79%.

• Return on equity (ROE) for FY25 was 15.44%.

• Cost-to-income ratio for Q4 was 57.92%; full-year ratio was 62.82%.

Outlook and guidance

• NIM guidance for FY26 is between 3.75% and 4.14%, likely close to 4%.

• Credit cost guidance remains below 30 basis points for FY26.

• Asset growth expected at 20-25%, with growth constrained by liability generation.

• ROA guidance is 1.5-1.8%; ROE guidance is 15-17% over the next 2-3 years.

• Strategic plan SBS 2030 targets transformation into a mid-sized, new-age private sector bank with national presence by 2030.