Presentation to Institutional Investors/Analyst - Unaudited Financial Results for the quarter ended June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 22 Jul 2026, 01:03 PM IST · BSE ID: 611e7510-54fb-4c81-9f32-61ef0efdcc56
View Original BSE Filing (PDF)
💡
In Simple Terms
CSB Bank shared its Q1 FY27 financial results, showing profit increased by 27% and deposits grew by 26%.
🤖 AI Summary
- CSB Bank reported a Profit After Tax of ₹ 150 Cr for Q1 FY27, representing a 27% year-on-year increase.
- Total Deposits reached ₹ 45,415 Cr, demonstrating 26% year-on-year growth for the quarter ended June 30, 2026.
- Gross Advances grew by 24% year-on-year to ₹ 40,867 Cr during Q1 FY27.
- The bank's Balance Sheet Size expanded by 20% year-on-year, reaching ₹ 58,101 Cr.
- Capital Adequacy Ratio stood at 19.96%, with Net NPA at 0.39% for the quarter.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Profit After Tax
₹ 150 Cr
27%
Total Deposits
₹ 45,415 Cr
26%
Gross Advances
₹ 40,867 Cr
24%
Balance Sheet Size
₹ 58,101 Cr
20%
Total Income
₹ 1,516 Cr
18%
Net Interest Income
₹ 479 Cr
26%
Non Interest Income
₹ 229 Cr
7%
Capital Adequacy Ratio (Q1 FY27)
19.96%
Capital Adequacy Ratio (Q1 FY26)
21.71%
🏢 How This Affects the Company
The bank demonstrated growth in its core business segments with Total Business increasing by 25% YoY to ₹ 86,282 Cr, indicating continued expansion of its banking operations and customer base.
Profit After Tax increased by 27% YoY to ₹ 150 Cr, supported by a 26% YoY rise in Net Interest Income to ₹ 479 Cr, reflecting improved earnings performance.
The bank expanded its branch network, reaching 868 branches as of June 2026, compared to 834 in June 2025, which can support its growth in deposits and advances.
Net Non-Performing Assets (NPA) decreased to 0.39% in Q1 FY27 from 0.66% in Q1 FY26, suggesting an improvement in asset quality and reduced credit risk.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this filing.
👤
Who Is Affected
All shareholders are informed of the bank's financial and business performance for the quarter ended June 30, 2026, through the investor presentation.
🔍
Management Signal
The decision to release an investor presentation following the board meeting indicates management's intent to communicate detailed financial and business performance to stakeholders.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check sustainability of profit and deposit growth.
Investor calls transcripts — review management commentary on future outlook and strategy.
Asset quality trends — monitor Net NPA percentage in subsequent quarters.
LOW RISK
The filing indicates strong financial performance and improved asset quality with decreased Net NPA.
💡 Investor Takeaway
CSB Bank announced its Q1 FY27 unaudited results, confirming Profit After Tax of ₹ 150 Cr, up 27% YoY. Total Deposits grew 26% YoY to ₹ 45,415 Cr, and Gross Advances increased 24% YoY to ₹ 40,867 Cr, demonstrating consistent business expansion.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax for Q1 FY27 increased by 27% year-on-year, reaching ₹ 150 Cr, indicating strong earnings growth.
- Total Deposits grew by 26% year-on-year to ₹ 45,415 Cr, while Gross Advances rose 24% year-on-year to ₹ 40,867 Cr, showcasing robust business expansion.
⚠️ Concerns
- Non-Interest Income growth was 7% year-on-year, reaching ₹ 229 Cr, which is lower compared to Net Interest Income growth of 26% year-on-year.
- Capital Adequacy Ratio decreased to 19.96% in Q1 FY27 from 21.71% in Q1 FY26, indicating a reduction in capital buffer relative to risk-weighted assets.
📅 Company Track Record
Previous filings from CSB Bank included a press release on July 22, 2026, which reported Q1 FY27 PAT up 27% YoY to ₹ 150 crore and deposits up 26% YoY. On July 2, 2026, the Board meeting for Q1 FY27 results approval was announced.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was CSB Bank's Profit After Tax for Q1 FY27?
CSB Bank reported a Profit After Tax of ₹ 150 Cr for the quarter ended June 30, 2026, reflecting a 27% year-on-year increase compared to Q1 FY26.
How much did CSB Bank's deposits grow in Q1 FY27?
Total Deposits for CSB Bank grew by 26% year-on-year to ₹ 45,415 Cr in Q1 FY27, compared to the corresponding period in Q1 FY26.
What was CSB Bank's Gross Advances figure for Q1 FY27?
CSB Bank's Gross Advances increased by 24% year-on-year, reaching ₹ 40,867 Cr for the quarter ended June 30, 2026.
What is CSB Bank's Net NPA percentage for Q1 FY27?
CSB Bank's Net Non-Performing Assets (NPA) stood at 0.39% for Q1 FY27, which is an improvement from 0.66% in Q1 FY26.
What was the Capital Adequacy Ratio for CSB Bank in Q1 FY27?
The Capital Adequacy Ratio for CSB Bank in Q1 FY27 was 19.96%, compared to 21.71% in Q1 FY26.
Questions based on this BSE filing only. For information purposes.