Press Release - Audited Financial Results for the quarter and financial year ended March 31, 2026

Revenue Growth 20pctPat Growth 25pctResults View source PDF Explain this filing

CSBBANK · price

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Price reactionminutes from the announcement price · days from the prior close

+1.6%Reaction day

₹386.00

prior close

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announcement price

In-mkt

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Nifty Microcap 250market · index membership as recorded later (tracked since Jun 2026)+1.5%+0.1% vs market

Private Sector Bank peers, median of 19sector+0.2%+1.4% vs sector

On the reaction day the stock moved 0.1 pts more than Nifty Microcap 250 and 1.4 pts more than its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

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UpDownMarket · Nifty Microcap 250Sector · Private Sector Bank peers, median of 19Pending

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AI summary

CSB Bank reported strong growth for FY26 with PAT of Rs 633 crore, up 7% from Rs 594 crore in FY25. Total deposits grew 20% YoY to Rs 44,246 crore while advances grew 26% YoY to Rs 39,848 crore, driven by 53% growth in gold loans. Net Interest Income rose 17% to Rs 1,720 crore for the full year. Q4 PAT was Rs 202 crore, up 6% YoY and 32% QoQ. Asset quality improved significantly with GNPA at 1.66% and NNPA at 0.40% as of March 2026. Capital Adequacy Ratio stood at 20.66%, well above regulatory requirements. The bank completed a large-scale Core migration during the year and is entering the Scale Phase of its SBS 2030 vision.

Likely market impact

The bank delivered healthy loan and deposit growth above industry averages with improving asset quality. Modest 7% PAT growth reflects margin pressures and increased provisions (up 112% for full year), but Q4 showed sequential acceleration. Strong capital position provides room for continued expansion.