{"schema":"liquilens.bank-specialisation.v1","slug":"csb-bank","name":"CSB Bank","sector":"bank","as_of":"2026-11-15","status":"observed","scope":"research","score_authority":false,"can_authorize_credit":false,"exclusions":[],"historical_evidence":{"status":"PERIOD_END_PROXY_CONSTRUCTION_PIT","validated_backtest_eligible":false,"real_money_eligible":false,"bitemporal_input_contract":false,"filing_lag_days":60,"availability_time_basis":"explicit publication clock when present; otherwise period_end + 60 days","lead_times_optimistic":true,"reason":"the committed crisis dossiers do not preserve a complete public-availability/revision archive; a conservative filing lag prevents quarter-end lookahead but cannot reconstruct overwritten amendments"},"period_end":"2026-09-30","quarter":"Q2FY27","available_at":"2026-11-10T09:23:50.407819Z","retrieved_at":"2026-11-10T06:29:09Z","publication_date":"2026-10-27","age_days":46,"freshness_limit_days":183,"sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing","issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":1.58,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":0.33,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":19.55,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":18.54,"unit":"percent","status":"observed","basis":"Pillar 3 disclosure at 30.09.2026 (not reviewed by the auditors, results note 12). Standalone."},"tier1_pct":{"label":"Tier 1 capital ratio","value":18.54,"unit":"percent","status":"observed","basis":"Pillar 3 disclosure at 30.09.2026 (not reviewed by the auditors, results note 12). Standalone."},"casa_pct":{"label":"Current and savings account deposits / deposits","value":19,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":127,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":87.65,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":79.19,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":4688919,"unit":"INR_lakh","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"advances":{"label":"Reported advances","value":4185162,"unit":"INR_lakh","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR_lakh","status":"not_disclosed","basis":null}},"provisional_update":{"status":"unavailable","reason":"No newer provisional business update accepted by this evidence cutoff"},"source_documents":[{"url":"issuer's own published filing","sha256":"c1dda5f2b24b55e7176e01151c0dc89edcf47a426a351683c74ad3897ebc3ca8"},{"url":"issuer's own published filing","sha256":"0ac714786447bc06b9df764f03088cc9875795a591c8c3e4261ff063f4df6da7"},{"url":"issuer's own published filing","sha256":"c0fb4efb10f843918c41c42438ba6022df86327e94110ebf3e7a07d9cdf7c420"},{"url":"issuer's own published filing","sha256":"77abfc6d0e857b428af5be512f4e05016d4399804bd8a44cbca4de73c8c03003"}],"changes":{"quarter":{"status":"observed","from_period":"2026-06-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-0.17,"nnpa_pct":-0.06,"crar_pct":-0.41},"sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T09:23:50.407819Z"},"year":{"status":"observed","from_period":"2025-09-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-0.23,"nnpa_pct":-0.19,"crar_pct":-1.44},"sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T09:23:50.407819Z"}},"default_event":null,"interpretation_limits":["A falling NPA percentage does not identify recoveries; loan growth, write-offs and sales can also change it.","GNPA and NNPA use different denominators. Their ratio or difference is not provision coverage.","A zero reported NNPA is not proof of zero credit risk or full deposit safety.","Institution type is the dossier's reporting classification; licence transitions require separate verification."],"next_disclosures":["Sector and borrower concentration","Capital buffers and actual supervisory directions","Deposit concentration and maturity","Slippages, recoveries and write-offs"],"comparability_notes":[],"earlier_period_metrics":{"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":23.74,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Annual Report 2025-26, audited. Note 2.6.1; the label 'Percentage of Deposits of twenty largest depositors to Total Deposits of the Bank' is printed on the lines around the value. 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Send the key as 'Authorization: Bearer <key>'."}}