CSB Bank Quarterly Results

Pros & Cons

POSITIVES

Improved operating efficiency reflected in lower cost-to-income ratio.
Growth in retail deposits contributing to stable funding base.
Increase in fee-based income diversifying revenue streams and enhancing profitability.

NEGATIVES

Decline in Net Interest Income (NII) indicating pressure on interest margins.
Increased non-performing assets (NPAs) affecting asset quality and profitability.
Higher provisioning costs impacting overall net profit and return ratios.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	687.34	761.83	794.87	832.02	864.85	919.38	980.89	1,040.94
Expenses	661.16	691.30	763.38	831.37	863.88	918.10	1,045.61	1,065.34
Financing Profit	26.18	70.53	31.49	0.65	0.97	1.28	-64.72	-24.40
Other Income	148.45	125.34	196.51	171.84	199.38	219.37	381.47	244.71
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	177.96	200.41	206.40	152.43	186.44	204.12	256.54	159.52
Tax	44.79	50.44	54.94	39.11	48.03	52.49	66.10	40.92
Net Profit	133.17	149.97	151.46	113.32	138.41	151.63	190.44	118.60
Gross Npa %	1.27	1.22	1.47	1.69	1.68	1.58	1.57	1.84
Net Npa %	0.33	0.31	0.51	0.68	0.69	0.64	0.52	0.66