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Informist, Wednesday, Nov. 5, 2025

--CSB Bank Jul-Sept net profit INR 1.60 bln vs INR 1.38 bln year ago 

--CSB Bank Jul-Sept total income INR 14.58 bln vs INR 10.64 bln year ago 

--CSB Bank Jul-Sept provisions INR 636.5 mln vs INR 139.1 mln year ago 

--CSB Bank gross NPA ratio 1.81% as on Sept 30 vs 1.84% qtr ago 

--CSB Bank net NPA ratio 0.52% as on Sept 30 vs 0.66% qtr ago 

--CSB Bank Basel III capital adequacy ratio 20.99% as on Sept 30 

--CSB Bank Apr-Sept net profit INR 2.79 bln vs INR 2.52 bln year ago 

--CSB Bank Apr-Sept total income INR 27.44 bln vs INR 20.68 bln year ago 

By Janwee Prajapati

MUMBAI – CSB Bank reported a sharp rise in its net profit for the September quarter, both on year and sequentially, driven mainly by an increase in its total income. The bottom line was up despite a rise in the lender's total expenditure as the rise in top line was higher than the rise in expenses.

The private sector lender posted a net profit of INR 1.60 billion for the reporting quarter, a jump of 35% sequentially and up almost 16% on year. The lender's net interest income was INR 4.24 billion, up 15% from the year-ago quarter. The bank reported a rise of 75% on year in its other income at INR 3.49 billion in the September quarter. Total income rose 37% on year to INR 14.58 billion in Jul-Sept, which was up 13.4% sequentially.

The lender's interest expense was up almost 38% on year at INR 6.86 billion and operating expenditure rose 35% on year to INR 4.93 billion. This took the total expenditure up 37% on year to INR 11.79 billion.

Provisions of the lender rose 4.7% sequentially to INR 636.5 million, which was up more than three times from the year-ago quarter. The gross non-performing assets ratio of the lender rose to 1.81% on Sept. 30 from 1.68% in the year-ago aquarter and the net non-performing assets ratio fell to 0.52% from 0.69% in the year-ago quarter. The bank's Basel-III capital adequacy ratio was 20.99% as on Sept. 30, down 175 bps from a year ago.
 

Out of the gross advances of INR 34.7 billion, gold loans accounted for 47% of the total portfolio, the highest. The bank's gold loan portfolio has risen to INR 164.56 billion, up 37% on year. The lender's gross advances were up 29% on year. The bank's total deposits rose to INR 39.65 billion, up 25% on year. 

For Apr-Sept, the bank reported a net profit of INR 2.79 billion, up almost 11% on year. The bank's total income for the half year rose almost 33% on year to INR 27.44 billion.

On Tuesday, shares of CSB Bank closed at INR 418.65 on the National Stock Exchange, up 2.4% from Monday.  End

Edited by Avishek Dutta

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