CSB Bank Limited — Investor Meet, 29-07-2026: Analysts/Institutional Investor Meet/Con. Call Updates

CSB Bank reported Q1 FY2027 net profit of Rs.150 Cr, up 27% YoY, and operating profit of Rs.251 Cr, up 14%. Net interest income rose 26% to Rs.479 Cr. Other income declined due to lower treasury gains and reduced gold/retail disbursements. Deposits grew 26% YoY, and advances 24% YoY. NIM stood at 3.66% and ROA at 1.09%. Management anticipates full-year NIM around 3.75% and ROA 1.3-1.5%. Asset quality remains stable (GNPA 1.75%, NNPA 0.39%). The bank is prioritizing tech-enabled retail liability acquisition and diversified growth, aiming to reduce gold loan dependency to 30% by 2030. Management is confident in improving financials as strategic initiatives gain traction.