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CSB Bank Ltd. provides commercial banking services. The company is headquartered in Thrichur, Kerala and currently employs 6,841 full-time employees. The company went IPO on 2019-12-04. The Bank operates through four segments: small medium enterprises (SME) banking, retail banking, wholesale banking and treasury operations. The company offers various products and services, including personal banking, non-resident Indian (NRI) banking, agri/ financial inclusion (FI) banking, small and medium-sized enterprises (SMEs) banking and corporate banking. The Bank offers various accounts, such as savings account, current accounts, fixed deposits and safe deposits lockers. The company also offers various loans, including retail loan, two-wheeler loans, gold loan and home loan. The company offers various NRI banking solutions, such as non-resident ordinary accounts (NRO Accounts), non-resident (external) rupee accounts (NRE), rupee accounts foreign currency (Non-Resident) account (banks) scheme (FCNR (B) accounts) and resident foreign currency accounts (RFC). Agri-banking includes financial literacy and credit counsellors.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹1,720 Cr on total income of ₹6,445 Cr.
Cost-to-income ratio at 62.5%. Provision coverage at 3.6% of income.
“targets are always I've always said that we want to be somewhere around 1.”
“deposit growth continues to be flat credit growth quarter after quarter.”
“cost to income will start, the glide path will be FY '28 onwards.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 12.9%▲ | 11.5% |
| Net Margin | 9.8%▼ | 12.1% |
| EBITDA Margin | 64.0%▼ | 67.3% |
| Debt To Equity | 9.04x▲ | 8.01x |
| NIM | 4.3%▼ | 390.0% |
| Cost To Income | 62.5% | - |
| Credit Deposit Ratio | 90.10x | 83.00x |
Historical valuation data not available.
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹3,707 Cr +26.5% | ₹2,931 Cr +19.1% | ₹2,460 Cr +30.3% | ₹1,888 Cr +18.2% | ₹1,597 Cr +16.1% | ₹1,376 Cr +18.4% | ₹1,162 Cr |
| Income on Investments | ₹763 Cr +22.7% | ₹622 Cr +46.6% | ₹424 Cr +4.8% | ₹405 Cr +6.2% | ₹381 Cr -17.1% | ₹459 Cr +48.2% | ₹310 Cr |
| ₹1,177 Cr +21.0% | ₹972 Cr +66.4% | ₹584 Cr +84.9% | ₹316 Cr +28.0% | ₹247 Cr -38.4% | ₹401 Cr +80.9% | ₹222 Cr | |
| Total Income | ₹5,682 Cr +24.3% | ₹4,569 Cr +30.1% | ₹3,512 Cr +33.2% | ₹2,636 Cr +15.3% | ₹2,285 Cr +0.5% | ₹2,273 Cr +31.3% | ₹1,731 Cr |
| Interest Expended | ₹2,785 Cr +31.3% | ₹2,121 Cr +46.2% | ₹1,451 Cr +47.2% | ₹986 Cr +11.4% | ₹885 Cr -4.9% | ₹931 Cr +1.5% | ₹918 Cr |
| Employee Cost | ₹932 Cr +23.6% | ₹754 Cr +5.5% | ₹715 Cr +28.0% | ₹559 Cr +15.9% | ₹482 Cr -2.9% | ₹496 Cr +49.8% | ₹331 Cr |
| Other Operating Expenses | ₹879 Cr +12.2% | ₹784 Cr +38.5% | ₹566 Cr +47.4% | ₹384 Cr +26.1% | ₹305 Cr +30.8% | ₹233 Cr +15.2% | ₹202 Cr |
| Provisions & Contingencies | ₹234 Cr +111.6% | ₹111 Cr +499.1% | ₹18 Cr ↑ Recovery | (₹26 Cr) | (₹0.51 Cr) ↓ Decline | ₹321 Cr +118.8% | ₹147 Cr |
| Total Expenditure | ₹4,596 Cr +25.6% | ₹3,659 Cr +33.9% | ₹2,732 Cr +41.7% | ₹1,928 Cr +15.4% | ₹1,671 Cr +0.7% | ₹1,660 Cr +14.4% | ₹1,451 Cr |
| Profit Before Tax | ₹851 Cr +6.5% | ₹800 Cr +5.0% | ₹761 Cr +3.8% | ₹734 Cr +19.4% | ₹614 Cr +110.0% | ₹293 Cr +118.3% | ₹134 Cr |
| Tax | ₹218 Cr +6.0% | ₹206 Cr +5.7% | ₹195 Cr +4.5% | ₹186 Cr +19.6% | ₹156 Cr +110.0% | ₹74 Cr -38.9% | ₹121 Cr |
| Net Profit | ₹633 Cr +6.6% | ₹594 Cr +4.8% | ₹567 Cr +3.6% | ₹547 Cr +19.4% | ₹458 Cr +109.9% | ₹218 Cr | ₹13 Cr |
| EPS | ₹36.50 | ₹34.23 | ₹32.67 | ₹31.55 | ₹26.43 | ₹12.59 | ₹0.73 |
| Diluted Shares | ₹17 Cr | ₹17 Cr | ₹17 Cr | ₹17 Cr | ₹17 Cr | ₹17 Cr | ₹17 Cr |
| Other Interest | ₹10 Cr -61.4% | ₹25 Cr -13.1% | ₹29 Cr +81.8% | ₹16 Cr -62.4% | ₹42 Cr +30.9% | ₹32 Cr -0.2% | ₹32 Cr |
| Non Performing Assets | ₹158 Cr -3.2% | ₹164 Cr +30.9% | ₹125 Cr +73.9% | ₹72 Cr -32.9% | ₹107 Cr -36.6% | ₹169 Cr -22.2% | ₹217 Cr |
| Gross Non Performing Assets | ₹670 Cr +34.4% | ₹498 Cr +38.1% | ₹361 Cr +37.5% | ₹263 Cr -9.3% | ₹290 Cr -26.4% | ₹393 Cr -3.9% | ₹409 Cr |
| Interest (RBI & Others) | ₹25 Cr +27.1% | ₹20 Cr +34.6% | ₹15 Cr +32.4% | ₹11 Cr -38.9% | ₹18 Cr +260.7% | ₹5 Cr -13.6% | ₹6 Cr |
CSB Bank Limited has informed the Exchange about transcript of the earnings call Q1 of FY2027
CSB Bank Limited has informed the Exchange about Analysts/Institutional Investor Meet/Con. Call Updates
CSB Bank Limited has informed the Exchange about submission of Newspaper Publication of intimation of the 105th Annual General Meeting of the CSB Bank Ltd., e-voting and book closure
CSB Bank Limited has informed the Exchange regarding Business Responsibility and Sustainability Report for the Financial Year 2025-26
CSB Bank Limited has informed the Exchange regarding Notice of the 105th Annual General Meeting ( AGM ) of CSB Bank Ltd. (the Bank ) and Annual Report for the Financial Year 2025-26
CSB Bank Limited has informed the Exchange about transfer of equity shares from CSB ESOS Trust
CSB Bank Limited has informed the Exchange about submission of Newspaper Publication of the Intimation of Hundred and Fifth (105th) Annual General Meeting of CSB Bank Limited (the Bank ) through Vide...
CSB Bank Limited has informed the Exchange about submission of Newspaper publication of the Unaudited Financial Results for the quarter ended June 30, 2026
CSB Bank Limited has informed the Exchange about Analysts/Institutional Investor Meet/Con. Call Updates
CSB Bank Limited has informed the Exchange about Intimation of Hundred and Fifth (105th) Annual General Meeting ( AGM ) and Book Closure for AGM
CSB Bank Limited has informed the Exchange regarding a press release dated July 22, 2026, titled "Press Release - Unaudited Financial Results for the quarter ended June 30, 2026".
CSB Bank Limited has informed the Exchange about Investor Presentation
CSB Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
CSB Bank Limited has informed the Exchange regarding 'Grant of Stock Options under CSB Employee Stock Option Scheme 2019'.
CSB Bank Limited has informed the Exchange about Analysts/Institutional Investor Meet/Con. Call Updates
No dividend history available for this company.