CSB Bank Ltd — Q4 FY26
CSB Bank delivered a strong Q4 FY26 with net profit of ₹202 crore (up 32% QoQ) and full-year PAT of ₹633 crore (+7% YoY).
bullish
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
GNPA to remain below 2%
Management expects GNPA to stay below 2% and improve in Q4/Q1 FY27 through upgrades and recoveries.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
NIM to stay in 3.7-3.9% range
Net interest margin is expected to remain between 3.7% and 3.9%, not crossing 4%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1