CSB Bank Limited — Investor Meet, 13-11-2025: Analysts/Institutional Investor Meet/Con. Call Updates

CSB Bank reported strong Q2 FY26 results: Net profit rose 35% QoQ to INR 160 Cr, with Operating Profit up 27% QoQ to INR 279 Cr. NIM improved to 3.81%. Advances grew 29% YoY, while deposits increased 25% YoY. Asset quality strengthened, showing GNPA at 1.81% and NNPA at 0.52%, with PCR at 71.62%. Management expects NIM to stabilize at 3.7-3.9% and targets 25-30% asset growth, driven by tech transformation and future retail expansion. Fee income, largely granular, is projected at 19-20% of total income. The bank is confident in its journey towards becoming a mid-sized bank by FY2030, with long-term credit costs around 40-50 bps.