Outcome of the Board Meeting dated May 4, 2026 - Submission of Audited Financial Results and Audit Report thereon, for the quarter and financial year ended March 31, 2026
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CSB Bank reported audited financial results for FY2026 with total income of Rs 5,68,179 Lakhs, up 24.3% from Rs 4,56,920 Lakhs in FY2025. Net profit after tax stood at Rs 63,318 Lakhs versus Rs 59,380 Lakhs, representing a growth of approximately 6.6%. The bank's net interest income increased by about 25% to Rs 4,50,519 Lakhs. Operating profit before provisions grew to Rs 1,08,539 Lakhs from Rs 91,024 Lakhs. Gross NPAs increased to Rs 66,978 Lakhs (1.66%) from Rs 49,846 Lakhs (1.57%), though net NPAs decreased to Rs 15,823 Lakhs (0.40%) from Rs 16,353 Lakhs (0.52%). Capital adequacy ratio declined to 20.66% from 22.46%. Joint statutory auditors issued an unmodified opinion confirming true and fair view of financial statements.
The bank showed healthy revenue growth exceeding 20% and improved asset quality on net NPA basis. However, the increased gross NPAs, declining capital adequacy ratio, and elevated debt-equity ratio at 146.18% (up from 123.31%) may concern investors. The unmodified audit opinion provides assurance on financial reporting quality.