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CSB Bank
CSB Bank (CSBBANK) investor relations material
CSB Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary28 Jan, 2026
Executive summary
Operating profit grew 32% year-over-year to INR 292 crore, with net profit flat at INR 153 crore for Q3 FY26.
Gross advances grew 29% YoY to ₹37,161 crore; deposits rose 21% YoY to ₹40,460 crore, both outpacing industry averages.
Gold loan and wholesale banking verticals drove advances growth, each exceeding 40% YoY; gold loans comprised 51% of gross advances.
Asset quality saw a slight deterioration, with GNPA at 1.96% and NNPA at 0.67%, but both within guidance.
Balance sheet size reached ₹53,508 crore, up 24% year-over-year for Q3 FY26.
Financial highlights
Net Interest Income (NII) rose 21% YoY to INR 453 crore; other income up 26% YoY, constituting 19% of total income.
Operating profit for Q3 FY26 was ₹292 crore, a 32% increase year-over-year.
Cost-to-Income Ratio improved to around 60%, lower both sequentially and YoY.
NIM for the quarter was 3.86%, the highest for the fiscal year.
ROA for the quarter was 1.22%; ROE at 13.38%.
Outlook and guidance
Asset growth expected at 25%+ and deposit growth at 20%+ for FY 2027.
ROA target around 1.5% and ROE around 15% for FY 2027, with management aiming to cross these levels.
Cost-to-income ratio expected to remain elevated (~60%) for another year, then decline sharply from FY 2028.
NIM expected to remain in the 3.7–3.9% range.
Long-term vision to become a mid-sized, new-age bank with national presence by 2030, driven by the SBS 2030 strategy.
Explain unreviewed Pillar 3 disclosures
Analyze the rising Gross NPA trend
Elaborate on New Labour Codes' financial impact
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Next CSB Bank earnings date
Q4 25/2627 Apr, 2026
CSB Bank
Next CSB Bank earnings date
Q4 25/2627 Apr, 2026
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Frequently asked questions
CSB Bank Limited, formerly known as Catholic Syrian Bank, is a private sector bank in India with a substantial presence particularly in the southern states. CSB Bank offers a wide range of banking and financial services catering to different customer segments including small and medium enterprises (SMEs), retail, and non-resident Indian (NRI) customers. Its service portfolio includes personal, corporate, and wholesale banking, along with treasury operations. The bank provides a variety of financial products such as savings, current, and fixed deposit accounts, loans (personal, gold, vehicle, home, and educational), as well as NRI banking services. The company is headquartered in Thrissur, Kerala, and its shares are listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE).
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