CSB Bank Limited — Investor Meet, 11-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

CSB Bank reported robust Q4 FY2026 with Net Profit up 32% QoQ to ₹202 Cr; FY26 Net Profit ₹633 Cr (+7% YoY). Operating profit climbed 19% to ₹1085 Cr. Asset quality saw significant improvement: GNPA at 1.66% and NNPA at 0.4%, lowest in five quarters. Deposits grew 20% and advances 27% YoY, outpacing industry peers.

Following a major tech overhaul, CSB Bank is entering the "Scale phase" of its SBS 2030 vision. Management aims for ~25% loan growth, with sustained RoA ~1.5% and RoE ~15% next year. Retail asset expansion is targeted from FY2028, prioritizing liability growth. Gold loan strategy shifts to higher ticket sizes and working capital. Cost-to-income ratio expected 60-65% through FY2027. Management expresses confidence in strategic execution.