Regulatory Disclosure Details

Regulatory Reference: Filed pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Financial Performance Highlights (Q1 FY27 vs Comparative Periods)

Income Statement Metrics (₹ crore)

  • Interest Income: ₹1,287 crore (up 7% QoQ from ₹1,201 crore in Q4 FY26; up 24% YoY from ₹1,041 crore in Q1 FY26)
  • Interest Expense: ₹809 crore (up 10% QoQ from ₹737 crore; up 22% YoY from ₹662 crore)
  • Net Interest Income (NII): ₹479 crore (up 3% QoQ from ₹464 crore; up 26% YoY from ₹379 crore)
  • Non-Interest Income: ₹229 crore (down 25% QoQ from ₹306 crore; down 7% YoY from ₹245 crore)
  • Net Operating Income: ₹707 crore (down 8% QoQ from ₹770 crore; up 13% YoY from ₹624 crore)
  • Total Operating Expenses: ₹457 crore (down 4% QoQ from ₹477 crore; up 13% YoY from ₹404 crore)
  • Operating Profit: ₹251 crore (down 15% QoQ from ₹294 crore; up 14% YoY from ₹220 crore)
  • Provisions (other than tax): ₹49 crore (up 113% QoQ from ₹23 crore; down 19% YoY from ₹61 crore)
  • Profit Before Tax (PBT): ₹202 crore (down 25% QoQ from ₹271 crore; up 26% YoY from ₹160 crore)
  • Tax Expense: ₹52 crore (down 25% QoQ from ₹69 crore; up 26% YoY from ₹41 crore)
  • Profit After Tax (PAT): ₹150 crore (down 26% QoQ from ₹202 crore; up 27% YoY from ₹119 crore)

Balance Sheet Metrics (as of June 30, 2026)

  • Total Deposits: ₹45,415 crore (up 3% QoQ from ₹44,246 crore; up 26% YoY from ₹35,935 crore)
  • Advances (Net): ₹40,309 crore (up 1% QoQ from ₹39,848 crore; up 24% YoY from ₹32,552 crore)
  • CASA Amount: ₹8,815 crore (flat QoQ from ₹8,832 crore; up 4% YoY from ₹8,441 crore)
  • Gold Loans: ₹21,906 crore (up 2% QoQ from ₹21,567 crore; up 47% YoY from ₹14,928 crore)
  • CASA Ratio: 19% (down from 20% in Q4 FY26 and 23% in Q1 FY26)

Key Ratios and Metrics

  • Cost Income Ratio (CIR): 64.55% (vs 64.70% in Q1 FY26 and 61.88% in Q4 FY26)
  • Cost to Assets: 3.31% (improved from 3.49% in Q1 FY26 and 3.63% in Q4 FY26)
  • Net Interest Margin (NIM): 3.66% for Q1 FY27
  • Return on Assets (RoA): 1.09% for Q1 FY27
  • Capital Adequacy Ratio (CRAR): 19.96% as of June 30, 2026 (compared to 21.71% as of June 30, 2025)
  • Gross NPA: 1.75% (vs 1.66% as of March 31, 2026 and 1.84% as of June 30, 2025)
  • Net NPA: 0.39% (vs 0.40% as of March 31, 2026 and 0.66% as of June 30, 2025)
  • Provision Coverage Ratio (including technical write-off): 86.83% (vs 86.33% as of March 31, 2026 and 80.46% as of June 30, 2025)

Management Commentary

The MD & CEO highlighted that deposits and advances registered robust year-on-year growth of 26% and 24% respectively, significantly outperforming industry averages. The bank maintained healthy operating performance with operating profit growing 14% and net profit increasing 27% on YoY basis. Key ratios such as NIM, RoA, RoE, CIR, GNPA, and NNPA showed improvement compared to Q1 FY26. The liquidity position remains comfortable, and all key financial and regulatory ratios are stable and within guidance.

The bank's key priority for the remainder of FY27 is to enhance productivity and unlock full benefits of technology transformation initiatives to accelerate returns on these investments. The bank remains committed to delivering strategic milestones for its SBS 2030 vision.

Business Overview

CSB Bank is one of the oldest private sector banks in India with over 100 years of existence. The bank has a strong base in Kerala with significant presence in Tamil Nadu, Maharashtra, Karnataka, and Andhra Pradesh. It offers products and services with focus on SME, Retail, and NRI customers through 868 branches and 835 ATMs/CRMs spread across the country, along with alternate channels including debit cards, internet banking, mobile banking, point of sale services, and UPI.

Additional Information

The bank continues to maintain accelerated provisioning policy during the quarter. The disclosure includes standard safe harbor statement regarding forward-looking statements. The complete results are available on the bank's website at www.csb.bank.in.