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CSB Bank Amends Code for Fair Disclosure of Unpublished Price Sensitive Information
CSB Bank's Board of Directors approved amendments to its 'Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information' (UPSI) during their meeting on January 28, 2026. This update is a regulatory requirement under Regulation 8(2) of the SEBI (Prohibition of Insider Trading) Regulations, 2015. The move is part of an annual review process to ensure the bank maintains high standards of corporate governance and transparency. While the specific details of the amendments were not disclosed in the filing, the updated code is available on the bank's official website.
Key Highlights
Board of Directors approved amendments to the UPSI disclosure code on January 28, 2026
Compliance update as per Regulation 8(2) of SEBI (Prohibition of Insider Trading) Regulations, 2015
The revised code has been made publicly available on the bank's official website
Action represents a routine annual review of internal governance policies
💼 Action for Investors
This is a routine regulatory filing with no direct impact on financial performance; investors should view it as a standard compliance procedure.
CSB Bank Q3 FY26: Operating Profit Jumps 32% YoY to ₹292 Cr; PAT Flat at ₹153 Cr
CSB Bank reported a strong 32% YoY growth in operating profit for Q3 FY26, driven by a 21% rise in Net Interest Income and robust credit growth of 28%. However, Net Profit remained flat at ₹153 crore due to a significant 425% YoY increase in provisions as the bank maintained an accelerated provisioning policy. Asset quality showed slight deterioration with Gross NPA rising to 1.96% from 1.81% sequentially. Gold loans continue to be a major growth driver, surging 46% YoY to ₹19,020 crore.
Key Highlights
Operating Profit rose 32% YoY to ₹292 crore, while Net Interest Income (NII) grew 21% YoY to ₹453 crore.
Net Advances increased 28% YoY to ₹36,677 crore, supported by a massive 46% growth in gold loans.
Provisions surged 425% YoY to ₹87 crore, which restricted PAT growth to just 1% YoY at ₹153 crore.
Asset quality weakened slightly with GNPA at 1.96% and NNPA at 0.67% versus 1.81% and 0.52% in Q2 FY26.
CASA ratio declined to 21% from 24% YoY, although total deposits grew 21% to ₹40,460 crore.
💼 Action for Investors
Investors should monitor the rising NPA levels and the impact of high provisions on bottom-line growth despite strong operational performance. The bank's heavy reliance on gold loans and declining CASA ratio are key factors to watch in upcoming quarters.
CSB Bank Q3 FY26 Results: Advances Grow 29% YoY to ₹37,161 Cr; PAT Stagnant at ₹153 Cr
CSB Bank reported a strong 29% YoY growth in gross advances for Q3 FY26, reaching ₹37,161 Cr, primarily driven by its gold loan portfolio which now accounts for 51% of the total book. While Net Interest Income (NII) grew by 21% YoY to ₹453 Cr, Profit After Tax (PAT) remained nearly flat at ₹153 Cr, indicating pressure from margin compression and rising costs. Net Interest Margin (NIM) declined to 3.86% from 4.11% a year ago. Asset quality remains healthy with Gross NPA improving to 1.22% compared to 1.52% in the previous year.
Key Highlights
Gross Advances increased 29% YoY to ₹37,161 Cr, with Gold Loans contributing ₹19,020 Cr.
Total Deposits grew 21% YoY to ₹40,460 Cr, while the total business size reached ₹77,621 Cr.
Net Interest Margin (NIM) compressed by 25 basis points YoY to 3.86%.
Asset quality improved with GNPA at 1.22% (vs 1.52% YoY), though Net NPA rose slightly to 0.67%.
Capital Adequacy Ratio (CAR) remains robust at 19.41%, though down from 21.08% in Q3 FY25.
💼 Action for Investors
Investors should monitor the bank's ability to manage operating costs and margin compression as it transitions toward its 'SBS 2030' scale-up phase. While loan growth is robust, the lack of PAT growth despite higher income suggests a need for improved operational efficiency.
CSB Bank Q3 FY26 Results: Net Profit Flat at ₹153 Cr; Asset Quality Weakens to 1.96% GNPA
CSB Bank reported a marginal 0.7% YoY growth in Net Profit to ₹152.67 crore for the quarter ended December 31, 2025, while profit declined 4.8% on a sequential basis. Total income grew strongly by 25.6% YoY to ₹1,430.7 crore, driven by robust interest income growth. However, the bottom line was pressured by a sharp spike in provisions, which rose to ₹86.77 crore from ₹16.53 crore a year ago. Asset quality showed signs of stress as Gross NPA increased to 1.96% compared to 1.58% in the same quarter last year.
Key Highlights
Net Profit remained nearly stagnant at ₹152.67 crore vs ₹151.63 crore YoY.
Operating Profit grew by 32.4% YoY to ₹292.11 crore, showing strong core performance before provisions.
Provisions and contingencies surged significantly to ₹86.77 crore from ₹16.53 crore in the year-ago period.
Gross NPA ratio deteriorated to 1.96% from 1.58% YoY; Net NPA rose to 0.67% from 0.64%.
Return on Assets (RoA) declined to 1.18% from 1.45% YoY, reflecting margin and credit cost pressures.
💼 Action for Investors
Investors should exercise caution as strong top-line growth is being offset by rising credit costs and deteriorating asset quality. Monitor management commentary regarding the source of slippages and the outlook for provisioning in the next quarter.