| Revenue growth | 24% YoY for FY26. |
|---|---|
| Margins | NIM compression observed YoY (3.76% vs 4.13%). |
| Demand visibility | High in Gold Loans (53% of mix) and Wholesale Banking. |
| Management confidence | Strong; pivoting to 'Scale' phase of SBS 2030. |
Growth
FY26 Gross Advances grew 27% to ₹40,359 Cr; Deposits grew 20% to ₹44,246 Cr. Q4 PAT rose 6% YoY.
Outlook
SBS 2030 strategy entering 'Build for Scale' phase (FY27-30) targeting full-service private bank status and sustained value creation.
Risks
NIM compressed to 3.76% from 4.13% YoY; Cost to Income ratio remains high at 62.53%.
Earnings Call filed with BSE, 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.
More from CSB Bank Ltd
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CSB Bank Management Change
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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.