ALFA Finder| Margins | NIM stood at 3.66%; management expects improvement from Q1 lows. |
|---|---|
| Demand visibility | Strong credit demand; advances outpaced industry growth at 24% YoY. |
| Management confidence | High in SBS 2030 strategy and technology-led scaling phase. |
Growth
Net interest income grew 26% to ₹479 Cr; Operating profit rose 14% to ₹251 Cr. Deposits and advances grew 26% and 24% YoY respectively.
Outlook
Guided FY27 ROA of 1.3%-1.5% and NIM of ~3.75%. Gold loan mix target of ~30% by 2030 from current 54%.
Risks
Higher cost of funds due to bulk deposit reliance; temporary yield compression in SME and gold segments due to regulatory transitions.
Earnings Call Transcript filed with NSE, NSE: CSBBANK. Summary written with AI assistance from the document.
CSB Bank Ltd: key numbers
- Share price
- ₹303.75
- Market cap
- ₹5,270 Cr
- Revenue (annual)
- ₹4,505 Cr
- Net profit (annual)
- ₹633.2 Cr
- P/E (TTM)
- 7.7×Sector 21.0×
- Promoter holding
- 40.00%+0.00% QoQ
- FII holding
- 12.33%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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CSB Bank Results Update
CSB Bank reported Q2 FY27 PAT of ₹183 Crore, up 14% YoY. Deposits and advances grew 18% and 22% YoY respectively.
CSB Bank Investor Presentation: Key Takeaways
CSB Bank reported Q2 FY27 PAT of ₹183 Cr, up 14% YoY, driven by 20% growth in NII. Advances grew 22% YoY with gold loans comprising 53% of the mix.
CSB Bank Q2 FY27 Results: Net Profit ₹182.7 Cr, Up 14.0% YoY
CSB Bank Ltd reported revenue from operations of ₹1,339 Cr (+20.7% YoY) and net profit of ₹182.7 Cr (+14.0% YoY) for Q2 FY27.
- Key figure
- Net profit ₹182.7 Cr · +14.0% YoY
CSB Bank Price Movement Clarification
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