CSB Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	41,655	35,971	29,275	23,197	20,383	18,723
Interest Income on Investments	1,197	-	-	-	-	-
Total Interest Income	42,852	35,971	29,275	23,197	20,383	18,723
Interest Paid on Deposits	26,578	21,210	14,511	9,858	8,850	9,309
Total Interest Expense	26,578	21,210	14,511	9,858	8,850	9,309
Net Interest Income	16,274	14,762	14,764	13,338	11,533	9,414
Net Interest Income Growth (YoY)	9.16%	-0.02%	10.69%	15.65%	22.51%	58.94%
Gain (Loss) on Sale of Assets	-2.6	-2.6	-1.3	2.51	4.07	0.72
Gain (Loss) on Sale of Investments	979.54	979.54	476.51	24.42	114.98	1,020
Other Non-Interest Income	11,542	8,744	5,368	3,133	2,349	2,011
Total Non-Interest Income	12,519	9,721	5,843	3,160	2,468	3,031
Non-Interest Income Growth (YoY)	59.05%	66.37%	84.89%	28.04%	-18.58%	36.79%
Revenues Before Loan Losses	28,793	24,482	20,607	16,499	14,001	12,445
Provision for Loan Losses	2,714	1,107	184.8	-262.12	-5.13	1,225
Revenue	26,079	23,375	20,422	16,761	14,006	11,220
Revenue Growth (YoY)	18.22%	14.46%	21.85%	19.67%	24.83%	68.14%
Salaries and Employee Benefits	8,676	7,445	7,068	5,480	4,692	4,962
Occupancy Expenses	2,861	2,861	2,021	1,589	1,345	1,152
Selling, General & Administrative	528.42	528.42	483.14	347.9	263.76	203.83
Other Non-Interest Expense	5,546	4,448	3,156	1,959	1,436	972
Total Non-Interest Expense	17,708	15,380	12,808	9,425	7,864	7,290
EBT Excluding Unusual Items	8,370	7,995	7,614	7,336	6,142	3,930
Other Unusual Items	-	-	-	-	-	-1,005
Pretax Income	8,370	7,995	7,614	7,336	6,142	2,926
Income Tax Expense	2,150	2,057	1,946	1,863	1,557	741.5
Net Income	6,220	5,938	5,668	5,474	4,585	2,184
Net Income to Common	6,220	5,938	5,668	5,474	4,585	2,184
Net Income Growth	12.12%	4.76%	3.55%	19.38%	109.93%	1616.35%
Basic Shares Outstanding	173	173	173	173	173	173
Diluted Shares Outstanding	173	173	173	173	173	174
Shares Change (YoY)	-0.00%	-	-	-	-0.01%	20.61%
EPS (Basic)	35.86	34.23	32.67	31.55	26.43	12.59
EPS (Diluted)	35.86	34.23	32.67	31.55	26.43	12.59
EPS Growth	12.13%	4.77%	3.55%	19.38%	109.92%	1330.68%
Effective Tax Rate	25.69%	25.73%	25.56%	25.39%	25.36%	25.35%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.