| Revenue growth | Total Income up 24% YoY; NII up 17% YoY. |
|---|---|
| Margins | NIM declined to 3.76% for FY26; Cost of Deposits rose. |
| Demand visibility | Strong credit demand led by 53% gold loan growth. |
Growth
FY26 Gross Advances up 27% to ₹40,359 Cr; Gold loan portfolio grew 53% YoY to ₹21,567 Cr.
Outlook
Entering 'Build for Scale' phase (FY27-30) targeting mid-sized status; expanding pan-India footprint and digital ecosystem.
Risks
NIM compressed from 4.13% to 3.76% YoY; Cost to Income ratio remains elevated at 62.53%.
Earnings Call filed with NSE, NSE: CSBBANK. Summary written with AI assistance from the document.
CSB Bank Ltd: key numbers
- Share price
- ₹333.70
- Market cap
- ₹5,789 Cr
- Revenue (annual)
- ₹4,505 Cr
- Net profit (annual)
- ₹633.2 Cr
- P/E (TTM)
- 8.7×Sector 22.0×
- Promoter holding
- 40.00%+0.00% QoQ
- FII holding
- 12.63%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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CSB Bank Earnings Call Transcript: Key Takeaways
CSB Bank reported Q1 FY2027 net profit of ₹150 Cr, up 27% YoY. Strategy focuses on diversifying from gold loans toward a holistic franchise through technology-led retail scaling.