| 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
- ₹305.85
- Market cap
- ₹5,306 Cr
- Revenue (annual)
- ₹4,505 Cr
- Net profit (annual)
- ₹633.2 Cr
- P/E (TTM)
- 8.0×Sector 21.9×
- 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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