CSB Bank Limited Q4 FY25 earnings call summary

Earnings call of 28 Apr 2025, summarised by AI from the filing.

CSB Bank FY25 net profit ₹594 cr, up 5%; guides NIM 3.75-4.00% and credit cost below 30 bps for FY26.

Key takeaways

1. Net profit FY25 net profit ₹594 cr, up 5% Y-o-Y; Q4 FY25 ₹190 cr, up 26% Y-o-Y.
2. NIM guidance NIM guided between 3.75% and 4.00% for next year, expecting to bottom out.
3. Credit cost Credit cost guided below 30 bps for next year, from 29 bps in FY25.
4. Growth driver All verticals contributed to asset growth; net advances up 29% Y-o-Y.
5. Risk Tech transformation and core system migration is the biggest risk and opportunity.

Original filing on BSE

CSB Bank Limited Q1 FY27 results

As filed: Revenue ₹1,287 cr, EBITDA −₹27.0 cr, PAT ₹150 cr, EBITDA margin -2.1%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹1,201 cr, EBITDA −₹35.6 cr, PAT ₹202 cr, EBITDA margin -3.0%. Not scored. Bank result format: not scored yet. Share price after the results: −4.6% in 30 days (Nifty 500: −1.0%).
• Q3 FY26: Revenue ₹1,154 cr, EBITDA −₹71.1 cr, PAT ₹153 cr, EBITDA margin -6.2%. Not scored. Bank result format: not scored yet. Share price after the results: −16.7% in 30 days (Nifty 500: +1.5%).
• Q2 FY26: Revenue ₹1,109 cr, EBITDA −₹133 cr, PAT ₹160 cr, EBITDA margin -12.0%. Not scored. Bank result format: not scored yet. Share price after the results: −7.6% in 30 days (Nifty 500: +0.7%).
• Q1 FY26: Revenue ₹1,041 cr, EBITDA −₹84.7 cr, PAT ₹119 cr, EBITDA margin -8.1%. Not scored. Bank result format: not scored yet. Share price after the results: −9.2% in 30 days (Nifty 500: +2.8%).
• Q4 FY25: Revenue ₹981 cr, EBITDA −₹124 cr, PAT ₹190 cr, EBITDA margin -12.7%. Not scored. Bank result format: not scored yet. Share price after the results: +3.0% in 30 days (Nifty 500: +3.1%).
• Q3 FY25: Revenue ₹919 cr, EBITDA −₹15.4 cr, PAT ₹152 cr, EBITDA margin -1.7%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹865 cr, EBITDA −₹13.4 cr, PAT ₹138 cr, EBITDA margin -1.6%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

CSB Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (22 Jul 2026), Results deck (22 Jul 2026), Results press release (22 Jul 2026)
• Q4 FY26: Earnings call (4 May 2026), Results deck (4 May 2026), Results press release (4 May 2026)
• Q3 FY26: Earnings call (28 Jan 2026), Results deck (28 Jan 2026), Results press release (28 Jan 2026)
• Q2 FY26: Earnings call (6 Nov 2025), Results deck (5 Nov 2025), Results press release (5 Nov 2025)
• Q1 FY26: Earnings call (13 Aug 2025), Results deck (13 Aug 2025), Results press release (13 Aug 2025)
• Q4 FY25: Earnings call (28 Apr 2025), Results deck (28 Apr 2025), Results press release (28 Apr 2025)