CSB Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	37,075	35,971	29,275	23,197	20,383
Interest Income on Investments	7,977	-	-	-	-
Total Interest Income	45,052	35,971	29,275	23,197	20,383
Interest Paid on Deposits	27,849	21,210	14,511	9,858	8,850
Total Interest Expense	27,849	21,210	14,511	9,858	8,850
Net Interest Income	17,203	14,762	14,764	13,338	11,533
Net Interest Income Growth (YoY)	16.54%	-0.02%	10.69%	15.65%	22.51%
Gain (Loss) on Sale of Assets	-	-2.6	-1.3	2.51	4.07
Gain (Loss) on Sale of Investments	-	979.54	476.51	24.42	114.98
Other Non-Interest Income	11,766	8,744	5,368	3,133	2,349
Total Non-Interest Income	11,766	9,721	5,843	3,160	2,468
Non-Interest Income Growth (YoY)	21.04%	66.37%	84.89%	28.04%	-18.58%
Revenues Before Loan Losses	28,969	24,482	20,607	16,499	14,001
Provision for Loan Losses	2,342	1,107	184.8	-262.12	-5.13
Revenue	26,627	23,375	20,422	16,761	14,006
Revenue Growth (YoY)	13.91%	14.46%	21.85%	19.67%	24.83%
Salaries and Employee Benefits	9,209	7,445	7,068	5,480	4,692
Occupancy Expenses	-	2,861	2,021	1,589	1,345
Selling, General & Administrative	114.7	528.42	483.14	347.9	263.76
Other Non-Interest Expense	8,792	4,448	3,156	1,959	1,436
Total Non-Interest Expense	18,115	15,380	12,808	9,425	7,864
EBT Excluding Unusual Items	8,512	7,995	7,614	7,336	6,142
Pretax Income	8,512	7,995	7,614	7,336	6,142
Income Tax Expense	2,180	2,057	1,946	1,863	1,557
Net Income	6,332	5,938	5,668	5,474	4,585
Net Income to Common	6,332	5,938	5,668	5,474	4,585
Net Income Growth	6.63%	4.76%	3.55%	19.38%	109.93%
Basic Shares Outstanding	173	173	173	173	173
Diluted Shares Outstanding	173	173	173	173	173
Shares Change (YoY)	-0.01%	-	-	-	-0.01%
EPS (Basic)	36.50	34.23	32.67	31.55	26.43
EPS (Diluted)	36.50	34.23	32.67	31.55	26.43
EPS Growth	6.64%	4.77%	3.55%	19.38%	109.92%
Effective Tax Rate	25.61%	25.73%	25.56%	25.39%	25.36%