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Investor Presentation

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.

Highlights
Revenue growthTotal Income (NII + Non-Interest) grew 11% YoY.
MarginsNIM stable YoY at 3.81%; Cost-to-Income at 64.80%.
Demand visibilityStrong growth in Gold and Wholesale segments.
Management confidenceHigh; emphasizing 'Sustain, Build, Scale' 2030 vision.

Growth

PAT grew 14% YoY to ₹183 Cr; Net Interest Income rose 20% YoY to ₹510 Cr; Total Advances grew 22% YoY.

Outlook

SBS 2030 strategy targets becoming a mid-sized new-age bank by 2030; Phase II (FY27-FY30) focuses on scale and product diversification.

Risks

Non-interest income fell 22% YoY to ₹274 Cr; NIM compression at 3.81% vs 3.81% YoY and 3.66% QoQ.

Source

Investor Presentation filed with BSE, NSE: CSBBANK. Summary written with AI assistance from the document.

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CSB Bank Ltd: key numbers

Share price
₹309.25
Market cap
₹5,365 Cr
Revenue (annual)
₹4,505 Cr
Net profit (annual)
₹633.2 Cr
P/E (TTM)
7.8×Sector 19.7×
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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