Board Meeting Details
The Board of Directors meeting was held on July 22, 2026, commencing at 11:30 AM IST. The consideration and approval of unaudited financial results concluded at 12:45 PM IST. The meeting was still in progress at the time of filing this disclosure.
Financial Results Summary (₹ in lakhs)
Income Statement
- Interest earned: ₹12,873.2 lakhs (Q4 FY2026: ₹12,008.6 lakhs; Q1 FY2026: ₹10,409.4 lakhs)
- Interest on advances/bills: ₹10,723.1 lakhs
- Income on investments: ₹2,043.4 lakhs
- Interest on balances with RBI: ₹72.9 lakhs
- Others: ₹33.8 lakhs
- Other income: ₹2,287.5 lakhs (Q4 FY2026: ₹3,062.1 lakhs; Q1 FY2026: ₹2,447.1 lakhs)
- Total income: ₹15,160.7 lakhs (Q4 FY2026: ₹15,070.7 lakhs; Q1 FY2026: ₹12,856.5 lakhs)
- Interest expended: ₹8,086.6 lakhs (Q4 FY2026: ₹7,367.0 lakhs; Q1 FY2026: ₹6,615.3 lakhs)
- Operating expenses: ₹4,566.4 lakhs
- Employees cost: ₹2,525.6 lakhs
- Other operating expenses: ₹2,040.8 lakhs
- Operating profit before provisions: ₹2,507.7 lakhs (Q4 FY2026: ₹2,936.7 lakhs; Q1 FY2026: ₹2,203.1 lakhs)
- Provisions and contingencies: ₹490.3 lakhs (Q4 FY2026: ₹230.2 lakhs; Q1 FY2026: ₹607.9 lakhs)
- Profit before tax: ₹2,017.4 lakhs (Q4 FY2026: ₹2,706.5 lakhs; Q1 FY2026: ₹1,595.2 lakhs)
- Tax expense: ₹517.0 lakhs
- Net profit after tax: ₹1,500.4 lakhs (Q4 FY2026: ₹2,015.8 lakhs; Q1 FY2026: ₹1,186.0 lakhs)
Capital Structure and Ratios
- Paid-up equity share capital: ₹17,354 lakhs (unchanged)
- Capital Adequacy Ratio (Basel-III): 19.96% (Q4 FY2026: 20.66%; Q1 FY2026: 21.71%)
- Earnings per share (EPS):
- Basic EPS: ₹8.65 (Q4 FY2026: ₹11.62; Q1 FY2026: ₹6.84)
- Diluted EPS: ₹8.65 (Q4 FY2026: ₹11.62; Q1 FY2026: ₹6.84)
- NPA ratios:
- Gross NPAs: ₹7,154.2 lakhs (1.75% of advances)
- Net NPAs: ₹1,576.8 lakhs (0.39% of advances)
- Return on Assets (annualized): 1.06% (Q4 FY2026: 1.50%; Q1 FY2026: 1.01%)
- Networth: ₹49,296.3 lakhs
- Debt Equity Ratio: 116.36%
- Total Debt to Total Assets: 10.37%
Regulatory and Accounting Framework
The financial results were prepared in accordance with:
- Accounting Standard 25 (Interim Financial Reporting)
- Banking Regulation Act, 1949
- RBI circulars, guidelines and directions
- SEBI Listing Regulations requirements
Audit Review Process
The results were reviewed by the Audit Committee and approved by the Board. Joint statutory auditors Walker Chandiok & Co LLP and Sundaram & Srinivasan issued an unmodified review report. Their review was conducted under SRE 2410 standards.
Key Notes and Disclosures
1. Segment reporting: The Bank operates in Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations, primarily in India.
2. ESOP activity: During the quarter, option grantees exercised 169,973 options under the CSB Employee Stock Option Scheme, 2019.
3. RBI directives compliance:
- Profits for Q1 included in CRAR computation per RBI Direction dated May 8, 2026
- ₹1,703.2 lakhs transferred from Investment Fluctuation Reserve (IFR) to General Reserve per RBI Direction dated May 18, 2026
4. Project finance disclosure:
- 4 projects under implementation at quarter end with total outstanding of ₹20,984 lakhs
- 1 account involved resolution process with extension of DCCO
5. Loan transfers: No loans transferred/acquired during the quarter through assignment
6. Subsidiaries: No subsidiaries/associates/joint ventures as of June 30, 2026
7. Pillar 3 disclosures: Available on bank's website but not reviewed by auditors
8. Previous period figures: Q4 FY2026 figures are balancing figures between audited annual and unaudited nine-month figures
Filing Details
Filed with BSE and NSE pursuant to SEBI Listing Regulations 30 and 33. Also available on bank's website at www.csb.bank.in.