CSB Bank Q4 FY2026 Earnings Call: Net Profit at ₹202 Crore, Up 32% Sequentially
CSB Bank reported Q4 FY2026 Net Profit of ₹202 Crore, a 32% sequential increase. FY2026 Net Profit was ₹633 Crore (7% growth). Deposits grew 20% YoY, advances 27% YoY. GNPA/NNPA at 1.66%/0.4%. The bank successfully migrated to a new core banking system, enhancing future growth potential.
The positive financial results and strategic technology upgrade are significant for the bank's future performance and investor confidence.
The bank reported strong sequential growth in net profit, robust deposit and asset growth, and improved asset quality metrics. The successful core banking system migration also positions the bank well for future growth.
CSB Bank Limited hosted its Q4 FY2026 earnings conference call on May 4, 2026, with management including MD & CEO Mr. Pralay Mondal, Executive Director Mr. B.K. Divakara, and CFO Mr. Satish Gundewar. The call, hosted by Yes Securities Limited, provided an overview of the global economic scenario, highlighting risks from the West Asian crisis, crude oil prices, and subdued global growth forecasts.
For FY2026, CSB Bank reported a Net Profit of ₹633 Crores, a 7% growth over FY2025. The Net Profit for Q4 FY2026 stood at ₹202 Crores, marking a significant sequential quarterly growth of 32%. Operating profit grew by 19% on a FY basis to ₹1085 Crores as of March 31, 2026. Net Interest Income (NII) grew by 17% for the full fiscal year to ₹1720 Crores and by 25% for Q4 FY2026 year-on-year. Other income grew by 21%, contributing 21% to total income.
The cost-to-income ratio for FY2026 was 62.53%. Net Interest Margin (NIM) for FY2026 was 3.76%, and for Q4 FY2026, it was 3.83%. Return on Assets (RoA) for the quarter ended March 31, 2026, was 1.53%, the highest for FY2026, while RoA for FY2026 was 1.29%. The bank maintained contingency provisions and continued its accelerated loan provisioning policy.
On the liability side, deposits grew by 20% year-on-year, outpacing industry growth. CASA ratio stood around 20%, and CD ratio was 91%. Average LCR was 109%, and NSFR ratio was 122%. Asset growth was robust at 27% year-on-year.
Asset quality metrics showed improvement, with GNPA and NNPA ratios at 1.66% and 0.4% respectively for the quarter, marking lows for the last four quarters. Provision Coverage Ratio (PCR) stood at 76.38%. Capital Adequacy Ratio (CRAR) was well above regulatory requirements at 20.66%, with Tier-1 ratio at 18.93%.
Book value per share was ₹272, EPS for the year was ₹36.5, and for Q4 FY2026 was ₹47.12. Return on Equity (RoE) for the year was 14.14%, and for Q4 FY2026 it was 17.66%.
CSB Bank concluded FY2026 with a strong performance, outperforming industry growth in deposits and advances for the fourth consecutive quarter. The bank has successfully migrated to a new core banking system, enhancing its capacity for future scaling. The management expressed confidence in achieving its SBS 2030 vision, focusing on retail franchise growth and technology-driven initiatives.
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