Key Quantitative Figures (₹ in Lakhs)

Profitability

  • Q2 FY27 Net Profit: ₹18,272 (Unaudited)
  • Q2 FY26 Net Profit: ₹16,033 (Unaudited)
  • H1 FY27 Net Profit: ₹33,276 (Unaudited)
  • H1 FY26 Net Profit: ₹27,893 (Unaudited)
  • Full Year FY26 Net Profit: ₹63,318 (Audited)

Income Statement

  • Q2 FY27 Total Income: ₹1,61,248
  • Q2 FY27 Interest Earned: ₹1,33,897
  • Interest on advances/bills: ₹1,11,479
  • Income on investments: ₹21,087
  • Q2 FY27 Other Income: ₹27,351
  • Q2 FY27 Interest Expended: ₹82,904
  • Q2 FY27 Operating Expenses: ₹50,768
  • Employees cost: ₹26,625
  • Other operating expenses: ₹24,143
  • Q2 FY27 Provisions (other than tax): ₹3,009
  • Q2 FY27 Tax Expense: ₹6,295

Capital and Ratios

  • Paid-up Equity Share Capital: ₹17,354 (Face value ₹10 per share)
  • Capital Adequacy Ratio (Basel-III): 19.55% (Q2 FY27) vs 20.99% (Q2 FY26)
  • Return on Assets (Annualised): 1.26% (Q2 FY27) vs 1.30% (Q2 FY26)
  • Networth: ₹4,95,784 (Q2 FY27) vs ₹4,45,459 (Q2 FY26)
  • Debt Equity Ratio: 118.48% (Q2 FY27) vs 92.05% (Q2 FY26)

Asset Quality

  • Gross NPAs: ₹67,058 (1.58%) vs ₹62,875 (1.81%) in Q2 FY26
  • Net NPAs: ₹13,958 (0.33%) vs ₹17,846 (0.52%) in Q2 FY26

Earnings Per Share (₹)

  • Basic EPS (Q2 FY27): 10.53
  • Basic EPS (Q2 FY26): 9.24
  • Basic EPS (H1 FY27): 19.18
  • Basic EPS (H1 FY26): 16.08
  • Basic EPS (FY26): 36.50

Segment Performance (H1 FY27, ₹ in Lakhs)

  • Treasury: Revenue ₹46,831; Profit ₹1,782
  • Corporate/Wholesale Banking: Revenue ₹80,825; Profit ₹6,429
  • Retail Banking: Revenue ₹1,76,024; Profit ₹33,370
  • Other Banking Operations: Revenue ₹9,175; Profit ₹3,241

Statement of Assets and Liabilities (₹ in Lakhs)

Liabilities (as at 30.09.2026)

  • Capital: 17,354
  • Employees stock options outstanding: 3,274
  • Reserves and surplus: 5,00,019
  • Deposits: 46,88,919
  • Borrowings: 6,16,881
  • Other liabilities and provisions: 2,29,665
  • Total: 60,56,112

Assets (as at 30.09.2026)

  • Cash and balances with RBI: 4,04,851
  • Balances with banks and money at call & short notice: 54,858
  • Investments: 12,40,248
  • Advances: 41,85,162
  • Fixed assets: 72,960
  • Other assets: 98,033
  • Total: 60,56,112

Statement of Cash Flow (H1 FY27, ₹ in Lakhs)

  • Net cash flow from operating activities: 1,87,669
  • Net cash flow used in investing activities: (39,077)
  • Net cash flow used in financing activities: (98,563)
  • Net increase in cash and cash equivalents: 50,029

Key Dates and Proceedings

  • Board Meeting Date: October 23, 2026
  • Meeting Commencement: 12:00 noon IST
  • Result Approval Concluded: 01:40 p.m. IST
  • Filing Time: Proceedings were still in progress at the time of filing.
  • Period Ended: September 30, 2026

Parties Involved

  • Bank: CSB Bank Limited
  • Joint Statutory Auditors: Sundaram & Srinivasan, Chartered Accountants (FRN: 004207S) and M P Chitale & Co, Chartered Accountants (FRN: 101851W)
  • Audit Committee: Reviewed the results before Board approval
  • Previous Auditors: Walker Chandiok & Co LLP and Sundaram and Srinivasan (for prior periods)

Financial Impact

All financial impacts are quantified and presented in the results. The results indicate improved profitability and asset quality year-on-year.