Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q3 FY26 Earnings Presentation
37 slides from Csb Bank's earnings presentation, Jan 28, 2026
Slide 1: Exchange filing cover letter for investor presentation
SEC/025/2026 January 28, 2026 BSE Limited, National Stock Exchange of India Ltd., Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Dalal Street, Bandra-Kurla Complex, Mumbai 400001. Bandra (E), Mumbai 400051. Scrip code: 542867 Symbol: CSBBANK Dear Sir/Madam, Presentation to Institutional Inves
Slide 2: Investor Presentation Q3-FY26
INVESTOR PRESENTATION Q3-FY26
Slide 3: Engineered to Build, Empowered to Scale
Engineered to Build Empowered to Scale
Slide 4: What's Inside
What's Inside Company Overview 4 Strategy 11 Business Overview 15 Financials 21 Digital Penetration 31 ESG 33 Awards 34
Slide 5: Performance Highlights – Q3 FY26
Performance Highlights – Q3 FY26 ₹ 53,508 Cr ₹ 37,161 Cr ₹ 40,460 Cr ₹ 77,621 Cr Balance Sheet Size Gross Advances Deposits Total Business 24% Y-o-Y 29% Y-o-Y 21% Y-o-Y 25% Y-o-Y ₹ 1,431 Cr ₹ 453 Cr ₹ 276 Cr ₹ 153 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 26% Y-o-Y 21%
Slide 6: Driven by Purpose, since 1920
Driven by Purpose, since 1920 Journey began in Oldest private sector November 1920 bank in Kerala Vision Offer products and services across Personal Banking, Loans and Advances, Corporate Banking, Digital Banking CSB Bank endeavors to be a leading bank striving to excel in bringing products that sat
Slide 7: Robust Network, Extensive Reach
Robust Network, Extensive Reach % Distribution State Total Business Gold Loans Dec. 2024 Dec. 2025 Kerala 34 32 2(2) 1(1) 10% Tamil Nadu 16 16 12(12) 20% 29% 26% 10% Andhra Pradesh 12 13 15(14) 35(35) 6% Maharashtra 11 11 12(13) 17(17) 6% 17% Karnataka 7 7 20% 31% Others 20 *21 19% 6% 25(25) 11(11)
Slide 8: Shareholding Pattern
Shareholding Pattern No of No of Share Category % Of holding Shareholders Held (in Mio) FIHM - Promoter FIHM - Promoter 1 69.39 40.00% Mutual Funds 14 22.70 13.08% Mutual Funds 27.99% Foreign Portfolio 98 24.56 14.16% Investors Foreign Portfolio CSB ESOS Trust 1 4.08 2.35% Investors 40.00% Alternate
Slide 9: Our Board of Directors
Our Board of Directors Mr. Biswamohan Mahapatra Mr. Pralay Mondal Mr. B K Divakara Mr. Sumit Maheshwari Ms. Sharmila Abhay Karve Non-Executive Independent Managing Director & CEO Executive Director Non-Executive Director Independent Director Chairperson He is the Non-Executive He is the Managing Dir
Slide 10: Our Board of Directors
Our Board of Directors Mr. DN Narasimha Raju Ms. Sheetal Rupesh Mr. Sudhin Choksey Mr. Sharad Kumar Saxena Ms. Renu Kohli Mr. Deepak Maheshwari Independent Director Independent Director Independent Director Independent Director Sancheti Independent Director Non-Executive Director He has over 30 year
Slide 11: Our Strong Leadership Team
Our Strong Leadership Team Narendra Pralay Mondal B K Divakara Satish Gundewar 35+ 37+ 30+ Kumar Dixit 30+ Managing Director & CEO Executive Director Chief Financial Officer Head - Retail Banking Manish Modi Shyam Mani Rajesh Manish Agarwal 29+ Head - Wholesale 28+ Head - MSME 30+ Choudhary 27+ Chie
Slide 12: Driven by SBS 2030
Driven by SBS 2030 Long-term vision of becoming a mid-sized new age bank with a national presence by 2030 Launched in Rolled out in three March 2022 phases: Sustain, Build, and Scale Sustain Build Scale Core Strengths Platforms for Future Execute with Guardrails Sustain and Build Phase (Till FY26) ▪
Slide 13: Driven by SBS 2030 (contd.)
Driven by SBS 2030 (contd.) Scale Execute with Guardrails Building for Scale Phase (FY27 to FY30) ▪ Transition into a cutting-edge, full-service private ▪ Foster innovation and collaboration as key growth sector bank drivers ▪ Enhance our product suite to cater to diverse ▪ Build a connected ecosyst
Slide 14: Driven by SBS 2030 (contd.)
Driven by SBS 2030 (contd.) Key Enablers Good Governance Board Support and Growth-Oriented Clear Executable Strategy Structure Guidance Policy Building Infrastructure in Robust and Efficient Innovation, Agility, and Physical, Hybrid, and Customer-Centric Strong Leadership Digitalisation Digital Proc
Slide 15: Driven by SBS 2030 (contd.)
Driven by SBS 2030 (contd.) Technology Human Capital Customer service Our Pillars Governance Compliance Strategy 14
Slide 16: Advances
Advances Gross Advances Gross Advances Mix* 37,161 34,712 32,944 31,842 28,915 5,849 4,821 20% 13% 4,417 12% 13,018 Q3 FY25 Q3 FY26 3,692 45% 19,020 13% 51% 8,903 24% 6,356 22% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Gold Wholesale Business Lending Group (BLG) Retail * Internal Classification (₹ cro
Slide 17: Gold Loan Portfolio
Gold Loan Portfolio Book size Portfolio Quality Tonnage 19,020 16,456 24.44 24.66 14,928 14,094 11.83%* 63% 13,018 Yield LTV Q3 FY25 Q3 FY26 No. of Accounts (in lakhs) 4.89 0.25% 24.66 T 4.16 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 GNPA% Tonnage (₹ crore) Q3 FY25 Q3 FY26 * Portfolio yield for Q3 FY2
Slide 18: Disbursements
Disbursements 11185 12000 12088 13001 17358 55% Y-o-Y 436 508 488 374 1433 797 1338 539 1702 1186 1938 1570 1360 977 1954 14981 9989 8099 8652 7311 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 (₹ crore) Gold Wholesale Retail BLG Business Overview 17
Slide 19: Investments
Investments Net Investments Yield on Investments FVTPL 2.18% 10,132 11,389 11,150 10,799 11,376 6.94% HTM 6.80% 6.73% 514 596 791 6.63% 6.73% 37.11% 418 740 AFS Q3 Q4 Q1 Q2 Q3 FY25 FY25 FY26 FY26 FY26 60.70% 9,714 10,875 10,554 10,585 10,059 6.84% 6.70% 6.43% M Duration 6.01% 6.05% Q3 Q4 Q1 Q2 Q3 FV
Slide 20: Deposits
Deposits Total Deposits Term Deposit Mix* CASA Mix 33,407 36,861 35,935 39,651 40,460 24.07% 24.19% 23.49% 21.17% 20.55% 57% 54% 53% 61% 59% 31,257 32,144 75.18% 74.03% 27,943 27,494 78.57% 79.17% 78.92% 25,365 43% 46% 47% 39% 41% 8,042 8,918 8,441 8,394 8,316 24.82% 25.97% 21.43% 21.08% 20.83% Q3 F
Slide 21: Funding
Funding Funding Mix Credit Rating 12% 13% 13% 10% 14% Instrument Rating Tier II Bonds (Under Basel III) CRISIL A/ Stable IND A/Positive 67% 66% 67% 71% 68% Short Term Fixed Deposit CRISIL A1+ 21% 21% 20% 19% 18% Certificate of Deposit CRISIL A1+ Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 CASA TD Borrow
Slide 22: Key Performance Matrix
Key Performance Matrix Net Interest Income Non Interest Income Operating Profit Net Profit 381 190 349 317 279 292 453 152 160 153 424 276 375 371 379 245 221 220 219 119 Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 FY25 FY25 FY26 FY26 FY26 FY25 FY25 FY26 FY26 FY26 FY25 FY25 FY26 FY26
Slide 23: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Yield on Advances Cost of Deposits Cost of Funds Net Interest Margin 6.43% 6.37% 6.35% 11.06% 10.98% 10.95% 10.82% 6.32% 4.11% 10.73% 6.19% 3.75% 3.81% 3.86% 3.54% 6.57% 6.62% 6.53% 6.46% 6.32% Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 FY25 FY25 FY26
Slide 24: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Return on Assets Return on Equity Credit Cost* Cost to Income 1.79% 18.80% 0.69% 1.52% 1.33% 15.28% 14.46% 13.38% 0.57% 62.90% 64.70% 63.86% 1.22% 0.53% 0.53% 57.92% 59.97% 1.03% 10.90% 0.17% Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 Q3 Q4 Q1 Q2 Q3 FY25 FY25 FY26 F
Slide 25: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Book Value Per Share CD Ratio (Gross) 269 91.67% 91.85% 258 261 86.55% 86.38% 87.54% 249 236 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 PCR (Incl. w/off) PCR (excl. w/off) 83.71% 84.14% 71.62% 81.47% 67.19% 64.52% 66.32% 80.46% 79.
Slide 26: Key Performance Matrix (contd.) – Asset Quality
Key Performance Matrix (contd.) (₹ crore) Asset Quality Q3 Q4 Q1 Q2 Q3 Gross NPA Movement FY25 FY25 FY26 FY26 FY26 729 606 215 629 246 458 183 498 164 178 Opening Balance of Gross 452 458 498 606 629 NPA Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Additions 62 94 139 94 197 Gross NPA Net NPA Sub Total (
Slide 27: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 21.08% 22.46% 21.71% 20.99% 19.41% 41.76% 1.87% 41.26% 1.79% 1.35% 1.80% 40.68% 40.50% 40.52% 1.75% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Liquidity Coverage Ratio* 19.73% 20.59% 19.92% 19.19% 17.66% 126% 114% 124% 123% Q3
Slide 28: Profit and Loss Account
Profit and Loss Account Particular Q3 FY26 Q2 FY26 Q3 FY25 QoQ YoY Interest Income 1,154 1,109 919 4% 26% Interest Expense 701 685 544 2% 29% Net Interest Income 453 424 375 7% 21% Treasury Profit 5 6 8 -17% -38% Fee income 272 343 211 -21% 29% Net Operating Income 730 773 595 -6% 23% Staff Cost* 23
Slide 29: Profit and Loss Account
Profit and Loss Account Particular 9M FY26 9M FY25 YoY Interest Income 3,304 2,616 26% Interest Expense 2,048 1,511 36% Net Interest Income 1,256 1,105 14% Treasury Profit 64 47 37% Fee income 807 544 48% Net Operating Income 2,127 1,695 25% Staff Cost* 681 558 22% Other Opex 654 544 20% Total Opex
Slide 30: Balance Sheet
Balance Sheet Liabilities Dec. 31, 2025 Sept 30, 2025 Dec. 31, 2024 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 4,662 4,527 4,103 3% 14% Deposits 40,460 39,651 33,407 2% 21% Of which CASA 8,316 8,394 8,042 -1% 3% Borrowings 6,540 4,326 4,474 51% 46% Other Liabilities & Provisions 1,6
Slide 31: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Balance Sheet Size Gross Advances Deposits Total Income 36861 4569 47836 31842 29719 3512 36056 24572 24506 29162 20842 20188 2635 25356 16742 2285 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Profit After Tax ROA Net NPA NIM 0.68% 5
Slide 32: Technology Transformation @ CSB Bank
Technology Transformation @ CSB Bank Technology Infrastructure Transformation Core Systems Transformation 1. Bank is now on a New Core Banking System (Flexcube) including 1. Four new Datacenters along with private cloud have been built and Payment System, Virtual Account Management, Digital Channels
Slide 33: Enhancing Digital Footprint
Enhancing Digital Footprint [ [ 6.71 lakh+ 86.95% 20,000+ Mobile % of Digital QR Banking Users Transaction* Installations [ [ [ 6.71 lakh+ 3,500+ 9.68 lakh+ Net Banking PoS Machine Debit Cards Users Installations *for H1 FY25 1,157 lakh+ [ 1.85 lakh+ Digital Credit Cards Transaction* *for 9M FY26 Di
Slide 34: ESG Framework
ESG Framework Environmental Social Governance • Energy Efficiency • Employees - We Care through Equality, • ESG /Sustainable Development Policy • Reduction of GHG Emissions Diversity, Growth and Inclusion and • Board Oversight/ Diversity/ Stakeholder • Effluent and Waste Management provide Health/Ac
Slide 35: Awards & Recognition
Awards & Recognition Awards 34
Slide 36: Disclaimer
Disclaimer This presentation has been prepared by CSB Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial requirements or informational needs of any particular person accessing the presentation. All information and analysis contained has be
Slide 37: Thank You
THANK YOU CSB BANK LIMITED Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur, Kerala 680 020 THANK YOU THANK YOU Tel: +91 487 2333020 Fax: +91 487 2338764 Email: secretarial@csb.bank.in CIN: L65191KL1920PLC000175