CSB Bank Limited — Investor Meet, 06-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

CSB Bank reported 5% YoY net profit growth to INR 594 Cr in FY25, with Q4 profit rising 26% YoY to INR 190 Cr. Operating profit increased 17% YoY to INR 910 Cr; Q4 operating profit was up 39% QoQ. Loan book grew 29% led by SME, gold, and corporate segments; deposits rose 24% with CASA at 24.2%. Asset quality remains stable with GNPAs at 1.57%. Management highlighted ongoing tech upgrades expected to fuel scalable growth from FY26, focusing on fee income and cautious deposit mobilization. Cost pressures from tech investments will ease; credit costs guidance remains below 30 bps. The bank targets ROA of 1.5–1.8% and ROE of 15–17% through FY27, aiming for improved cost efficiency and diversified asset mix by FY30. Tone is confident on growth post-technology transition with prudent risk management.