CSB Bank Limited — PPTs, 05-11-2025: Investor Presentation

CSB Bank reported strong Q2 FY26 results with Profit After Tax up 16% YoY to ₹160 Cr and Total Income surging 37% YoY to ₹1,458 Cr. Gross Advances grew 29% YoY to ₹34,712 Cr, primarily driven by Gold Loans. Deposits saw a healthy 25% YoY increase to ₹39,651 Cr. Asset quality improved with Net NPA at 0.52% (vs 0.69% YoY), though ROA was 1.33% (vs 1.50% YoY) and NIM declined to 3.81% (vs 4.30% YoY).

The bank is executing its "SBS 2030" strategy, aiming to become a mid-sized, new-age bank with a national presence. Current focus is on building a pan-India footprint, enhancing its tech platform, diversifying products, and strengthening its liability base, particularly gold loans.

Significant digital transformation initiatives are underway, including new data centers, a private cloud, and a new Core Banking System. Digital penetration is robust, with 91.75% of H1 FY26 transactions being digital.

Management's outlook prioritizes growth in granular liabilities, consistent operating performance, strong asset quality, and expanding fee-based income, backed by strategic investments in technology.