CSB Bank Limited — PPTs, 28-01-2026: Investor Presentation

CSB Bank delivered mixed Q3 FY26 results. Profit After Tax grew modestly by 1% YoY to ₹153 Cr, primarily impacted by a significant jump in NPA provisions. However, core business performance was robust: Gross Advances surged 29% YoY to ₹37,161 Cr, with Gold loans leading the charge at ₹19,020 Cr (+46% YoY) and representing 51% of advances. Deposits also rose 21% YoY to ₹40,460 Cr. Net Interest Income (NII) increased 21% YoY to ₹453 Cr, and Operating Profit was up 32% YoY to ₹292 Cr.

The bank is actively executing its SBS 2030 strategy, focusing on Pan-India expansion, diversifying products, and building a strong liability base, with a continued emphasis on gold loans. A major digital transformation is underway, implementing new core banking, payment, and lending systems, alongside enhancing cybersecurity. Digital transactions hit 86.95% for 9M FY26.

Management's outlook emphasizes becoming a mid-sized, new-age bank nationally by 2030, driven by granular liability growth, strong operating performance, and robust asset quality, all supported by key tech investments.