CSB Bank Limited — PPTs, 04-05-2026: Investor Presentation

CSB Bank posted solid results for the financial year ended March 31, 2026.

**Business Performance:** Total Business grew 23% YoY to ₹84,605 Cr, with Gross Advances up 27% to ₹40,359 Cr, largely driven by Gold Loans (53% of advances). Deposits also rose 20% to ₹44,246 Cr. Net Profit for FY26 increased 7% YoY to ₹633 Cr, with Q4 FY26 profit at ₹202 Cr (up 6% YoY). Asset quality improved significantly, as Net NPA dropped to a healthy 0.40%. #CSBBank #FinancialResults

**Strategy & Developments:** The bank is actively advancing its 'SBS 2030' strategy to become a mid-sized, new-age national bank. This includes a major tech transformation with new Core Banking and digital platforms, boosting its digital transaction percentage to 89.11% for FY26. Key focus areas remain expanding footprint, diversifying products, and strengthening the gold loan segment. #GrowthStrategy #DigitalTransformation

**Key Metrics:** FY26 Net Interest Income (NII) was ₹1,720 Cr (+17% YoY), and Total Income reached ₹5,682 Cr (+24% YoY). Capital Adequacy Ratio stands robust at 20.66%. Management's outlook emphasizes continued investments in technology and customer-centricity to drive sustainable value. #BankingUpdate #NPA