CSB Bank Limited — PPTs, 22-07-2026: Investor Presentation

CSB Bank kicked off Q1 FY27 with strong performance! Profit After Tax surged 27% year-on-year to ₹150 Cr, while Net Interest Income jumped 26% to ₹479 Cr. The bank saw robust growth in its balance sheet, with Deposits rising 26% to ₹45,415 Cr and Gross Advances increasing 24% to ₹40,867 Cr. Asset quality improved significantly, as Net NPA dropped to a healthy 0.39%. Gold loans continue to be a major segment contributing to advances.

The bank is keenly pursuing its SBS 2030 strategy, aiming for a full-service, next-gen banking presence nationally. Key strategic drivers include expanding digital infrastructure, diversifying product offerings, and prioritizing customer-centricity. Digital adoption is strong, with 95.96% of transactions now digital.

Management highlights a focus on granular liability growth, consistent operating performance, and boosting non-interest income. The bank maintains a solid Capital Adequacy Ratio of 19.96%.