Net interest income (NII) grew 25% to Rs 464 crore in Q4 FY26 as against 371 crore posted in Q4 FY25. Net interest margin (NIM) improved to 3.83% in Q4 FY26 as against 3.75% in Q4 FY25.
Total deposits climbed 20% to Rs 44,246 crore as on 31st March 2026 compared with Rs 36,861 crore as on 31st March 2025. The CASA ratio stood at 20% as on 31st March 2026.
Net advances jumped 26% to Rs 39,848 crore as on 31st March 2026 compared with Rs 31,507 crore as on 31st March 2025, supported by a robust growth of 53% in gold loans and 37% in Wholesale on YoY basis.
Gross non-performing assets (GNPA) were at 1.66% as on 31st March 2026 as against 1.96% as on 31st December 2025 and 1.57% as on 31st March 2025. Net non-performing assets improved to 0.40% as on 31st March 2026 as against 0.67% as on 31st December 2025 and 0.52% as on 31st March 2025.
Capital adequacy ratio (CRAR) stood at 20.66% as on 31st March 2026, which is well above the regulatory requirement. CRAR as on 31st March 2025 was 22.46%.
On full year basis, the company's standalone net profit rose 6.63% to Rs 63,318 crore on 24.35% jump in total income to Rs 5,68,179 crore in FY26 over FY25.
Pralay Mondal, MD & CEO, said, 'while we are cherishing what we have done during the just concluded year, we are equally excited as we are entering the crucial Scale Phase of our SBS 2030 vision during this fiscal on a very strong note. We believe that the slur of activities planned & strategized for FY 27 will help us sail through it smoothly. Successfully navigating the teething issues associated with our large-scale Core migration during the year, we delivered solid and sustained performance across various business and profitability parameters.
For the fourth consecutive quarter in FY26, our deposit and advance growth outperformed industry averages, recording 20% and 27% YoY growth, respectively. Our operating performance remained robust, with a 19% increase in operating profit and a 7% improvement in net profit over the previous financial year. Q4 FY26 marked the best quarter in terms of asset quality, with GNPA and NNPA ratios at their lowest levels for the year.
CSB Bank offers a wide range of products and services to its customer, with particular focus on SME, Retail, and NRI customers and operates 862 branches as on 31st March 2026. The business is concentrated in Kerala with the remaining spread across Tamil Nadu, Andhra Pradesh, Karnataka, and Maharashtra.
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We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
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BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
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