Press Release - Unaudited Financial Results for the quarter ended June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 22 Jul 2026, 01:09 PM IST · BSE ID: f7935321-1629-4adb-8c46-adb4bae01c4c
View Original BSE Filing (PDF)
💡
In Simple Terms
CSB Bank's profit increased by 27% and its customer deposits and loans also grew significantly.
🤖 AI Summary
- Profit after Tax increased by 27% YoY to ₹ 150 crore for the quarter ended June 30, 2026.
- Total Deposits grew 26% YoY to ₹ 45,415 crore as of June 30, 2026, from ₹ 35,935 crore a year ago.
- Advances (Net) rose 24% YoY to ₹ 40,309 crore, with gold loans up 47% and Wholesale up 37%.
- Net Interest Income (NII) grew 26% YoY to ₹ 479 crore for Q1 FY27, also up 3% QoQ.
- Operating Profit for Q1 FY27 increased 14% YoY to ₹ 251 crore from ₹ 220 crore in Q1 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Profit after Tax (PAT)
₹ 150 crore
27%
Total Deposits
₹ 45,415 crore
26%
Advances (Net)
₹ 40,309 crore
24%
Net Interest Income (NII)
₹ 479 crore
26%
Operating Profit
₹ 251 crore
14%
Gross Non-Performing Assets (GNPA)
1.75%
Net Non-Performing Assets (NNPA)
0.39%
🏢 How This Affects the Company
The bank demonstrated robust growth in core banking operations, with total deposits and net advances significantly outperforming industry averages, driven by strong performance in gold and wholesale loans.
Profit after Tax increased by 27% YoY, supported by a 26% YoY rise in Net Interest Income, indicating improved profitability and balance sheet expansion.
Gross non-performing assets slightly increased to 1.75% from 1.66% QoQ, while net non-performing assets improved to 0.39% from 0.40% QoQ, indicating stable asset quality trends.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All existing shareholders are affected by the bank's reported financial performance, as operating profit grew by 14% YoY and PAT increased by 27% YoY.
🔍
Management Signal
Management aims to enhance productivity and realize returns from technology transformation initiatives to achieve its SBS 2030 vision.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — monitor consistency of deposit and advance growth.
Management commentary on productivity and technology transformation initiatives.
Changes in Gross and Net NPA ratios in subsequent quarters for asset quality trends.
LOW RISK
Financial results show strong growth in key metrics with stable asset quality, indicating low immediate risk.
💡 Investor Takeaway
CSB Bank's Q1 FY27 results show Profit after Tax up 27% YoY to ₹ 150 crore, with Total Deposits growing 26% YoY to ₹ 45,415 crore and Net Advances up 24% YoY to ₹ 40,309 crore, confirming robust business expansion.
⚖️ Strengths & Concerns
✅ Positives
- Profit after Tax grew by 27% YoY to ₹ 150 crore in Q1 FY27, reflecting improved profitability compared to the prior year.
- Total Deposits increased by 26% YoY to ₹ 45,415 crore and Advances (Net) rose 24% YoY to ₹ 40,309 crore, indicating strong business growth.
⚠️ Concerns
- Non-Interest Income decreased by 7% YoY to ₹ 229 crore for Q1 FY27 from ₹ 245 crore for Q1 FY26, impacting overall revenue.
- Gross non-performing assets (GNPAs) increased to 1.75% as on June 30, 2026, from 1.66% as on March 31, 2026, indicating a slight deterioration in asset quality QoQ.
📅 Company Track Record
CSB Bank previously announced a Board meeting on July 22, 2026, to approve Q1 FY27 unaudited financial results, which have now been released. The bank has over 100 years of operating history and is implementing strategic changes in its business model.
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's Profit after Tax was ₹ 150 crore for the quarter ended June 30, 2026, a 27% increase compared to ₹ 119 crore in Q1 FY26.
How much did CSB Bank's Total Deposits grow in Q1 FY27?
Total Deposits grew by 26% YoY to ₹ 45,415 crore as on June 30, 2026, up from ₹ 35,935 crore as on June 30, 2025.
What was the growth in CSB Bank's Advances (Net) for Q1 FY27?
Advances (Net) increased by 24% YoY to ₹ 40,309 crore as on June 30, 2026, compared to ₹ 32,552 crore as on June 30, 2025.
What is CSB Bank's Net Interest Income for Q1 FY27?
Net Interest Income (NII) for Q1 FY27 was ₹ 479 crore, representing a 26% YoY increase from ₹ 379 crore in Q1 FY26.
What are CSB Bank's Gross and Net NPA percentages as of June 30, 2026?
As of June 30, 2026, Gross non-performing assets were 1.75%, and Net non-performing assets were 0.39%.
Questions based on this BSE filing only. For information purposes.