Regulatory Disclosure Details

Disclosure Type: Press Release - Unaudited Financial Results for quarter and half year ended September 30, 2026

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

Review Status: Subject to limited review by Statutory Auditors

Board Meeting Date: October 23, 2026

Financial Performance Highlights

Quarterly Performance (Q2 FY27 vs Q1 FY27 vs Q2 FY26)

Net Profit: ₹183 crore in Q2 FY27, representing 22% quarter-on-quarter growth from ₹150 crore in Q1 FY27 and 14% year-on-year growth from ₹160 crore in Q2 FY26.

Net Interest Income: ₹510 crore in Q2 FY27, up 7% QoQ from ₹479 crore and 20% YoY from ₹424 crore.

Non-Interest Income: ₹274 crore in Q2 FY27, showing 20% QoQ growth from ₹229 crore but decreased 22% YoY from ₹349 crore.

Operating Profit: ₹276 crore in Q2 FY27, increased 10% QoQ from ₹251 crore but decreased 1% YoY from ₹279 crore.

Provisions (other than tax): ₹30 crore in Q2 FY27, decreased 39% QoQ from ₹49 crore and 53% YoY from ₹64 crore.

Cost Income Ratio: 64.80% in Q2 FY27 compared to 64.55% in Q1 FY27 and 63.86% in Q2 FY26.

Cost to Assets: 3.59% in Q2 FY27 compared to 3.31% in Q1 FY27 and 4.11% in Q2 FY26.

Balance Sheet Growth

Total Deposits: ₹46,889 crore as on September 30, 2026, showing 3% quarter-on-quarter growth from ₹45,415 crore and 18% year-on-year growth from ₹39,651 crore.

Net Advances: ₹41,852 crore as on September 30, 2026, increased 4% QoQ from ₹40,309 crore and 22% YoY from ₹34,262 crore.

CASA Ratio: 19% as on September 30, 2026, unchanged from previous quarter but decreased from 21% year ago.

CASA Amount: ₹8,889 crore as on September 30, 2026, showing 1% QoQ growth from ₹8,815 crore and 6% YoY growth from ₹8,394 crore.

Gold Loan Portfolio: ₹22,303 crore as on September 30, 2026, increased 2% QoQ from ₹21,906 crore and 36% YoY from ₹16,456 crore.

Asset Quality Metrics

Gross NPA: 1.58% as on September 30, 2026, improved from 1.75% as on June 30, 2026 and 1.81% as on September 30, 2025.

Net NPA: 0.33% as on September 30, 2026, improved from 0.39% as on June 30, 2026 and 0.52% as on September 30, 2025.

Provision Coverage Ratio: 87.65% as on September 30, 2026, improved from 86.83% as on June 30, 2026 and 84.14% as on September 30, 2025.

Capital Structure and Ratios

Capital Adequacy Ratio: 19.55% as on September 30, 2026, decreased from 20.99% as on September 30, 2025 but remains well above regulatory requirements.

Return on Assets: 1.29% during Q2 FY27.

Net Interest Margin: 3.81% during Q2 FY27.

Management Commentary

The MD & CEO stated that the solid foundation established through the Sustain and Build phases of the SBS 2030 journey is translating into meaningful business outcomes. The quarter showed strong topline performance with deposits growing 18% YoY and advances growing 22% YoY. Asset quality was exceptional with GNPA and NNPA levels being the lowest in several quarters. The liquidity position remains comfortable, and all key financial and regulatory ratios continue to be stable and within guided range. For the second half of FY27, the bank plans to accelerate growth across key business segments to move toward its SBS 2030 aspiration of becoming a mid-sized bank.

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 across SME, Retail, and Corporate segments through 872 branches and 844 ATMs/CRMs spread across the country, along with alternate channels including debit cards, internet banking, mobile banking, point of sale services and UPI.