| Revenue growth | NII up 17% for FY26; Other Income up 21%. |
|---|---|
| Margins | FY26 NIM at 3.76%; guidance range 3.75% to 4%. |
| Demand visibility | Strong credit demand; advances growth outpaced industry (27% vs 16.1%). |
| Management confidence | High confidence in SBS 2030 'Scale' phase and tech overhaul. |
Growth
FY26 NII grew 17% to ₹1720Cr; Deposits grew 20%; Advances grew 27%.
Outlook
Targeting 25% loan growth; ROA 1.5% and ROE 15% sustainability; CTI 60-65% through FY27.
Risks
NIM pressure from rising costs; West Asia crisis impacting NRI flows/SME; high cost-to-income ratio (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.