CSB Bank (CSBBANK) Q4 25/26 earnings summary

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.