CSB Bank Q2 Net Profit Grows to Rs 182.72 Crore

Quarterly Profit: Rs 182.72 crore | Gross NPA Ratio: 1.58%

Reader Takeaway: Revenue growth and shrinking bad loans boost CSB Bank’s quarterly bottom line against the previous year.

What just happened

CSB Bank announced its financial results for the quarter ended September 30, 2026. The bank recorded a net profit of Rs 182.72 crore, marking a healthy increase from Rs 160.33 crore reported in the same quarter last year. Total income for the period surged to Rs 1,612.48 crore, up from Rs 1,458.36 crore in the year-ago period.

Why this matters

For investors, the most critical highlight is the improvement in asset quality. The bank successfully reduced its Gross NPA ratio to 1.58% from 1.81% last year. Simultaneously, the Net NPA ratio dropped significantly to 0.33% from 0.52%, indicating a stronger balance sheet and better risk management in its loan book.

Segment Performance

Retail banking remains the primary engine of growth, contributing Rs 898.08 crore to the total revenue. This was followed by Corporate/Wholesale Banking at Rs 426.05 crore, Treasury operations at Rs 232.67 crore, and other banking segments at Rs 55.68 crore.

Governance and Updates

The Board of Directors approved these unaudited results on October 23, 2026, with joint statutory auditors providing an unmodified review report. The bank also updated shareholders on its CSB Bank Employee Stock Option Scheme 2026 and confirmed that 270,583 stock options were exercised during the quarter under its 2019 scheme.