CSB Bank Limited (NSE:CSBBANK)

CSB Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	39,692	35,971	29,275	23,197	20,383	18,723
Interest Income on Investments	811.7	-	-	-	-	-
Total Interest Income	40,504	35,971	29,275	23,197	20,383	18,723
Interest Paid on Deposits	25,007	21,210	14,511	9,858	8,850	9,309
Total Interest Expense	25,007	21,210	14,511	9,858	8,850	9,309
Net Interest Income	15,497	14,762	14,764	13,338	11,533	9,414
Net Interest Income Growth (YoY)	3.44%	-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	10,970	8,744	5,368	3,133	2,349	2,011
Total Non-Interest Income	11,947	9,721	5,843	3,160	2,468	3,031
Non-Interest Income Growth (YoY)	72.39%	66.37%	84.89%	28.04%	-18.58%	36.79%
Revenues Before Loan Losses	27,444	24,482	20,607	16,499	14,001	12,445
Provision for Loan Losses	2,012	1,107	184.8	-262.12	-5.13	1,225
Revenue	25,433	23,375	20,422	16,761	14,006	11,220
Revenue Growth (YoY)	18.83%	14.46%	21.85%	19.67%	24.83%	68.14%
Salaries and Employee Benefits	8,297	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	550.02	528.42	483.14	347.9	263.76	203.83
Other Non-Interest Expense	5,269	4,448	3,156	1,959	1,436	972
Total Non-Interest Expense	17,074	15,380	12,808	9,425	7,864	7,290
EBT Excluding Unusual Items	8,358	7,995	7,614	7,336	6,142	3,930
Other Unusual Items	-	-	-	-	-	-1,005
Pretax Income	8,358	7,995	7,614	7,336	6,142	2,926
Income Tax Expense	2,148	2,057	1,946	1,863	1,557	741.5
Net Income	6,210	5,938	5,668	5,474	4,585	2,184
Net Income to Common	6,210	5,938	5,668	5,474	4,585	2,184
Net Income Growth	12.26%	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)	-0.01%	-	-	-	-0.01%	20.61%
EPS (Basic)	35.80	34.23	32.67	31.55	26.43	12.59
EPS (Diluted)	35.80	34.23	32.67	31.55	26.43	12.59
EPS Growth	12.29%	4.77%	3.55%	19.38%	109.92%	1330.68%
Effective Tax Rate	25.70%	25.73%	25.56%	25.39%	25.36%	25.35%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.