Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q2 FY26 Earnings Presentation
37 slides from Csb Bank's earnings presentation, Nov 5, 2025
Slide 1: Exchange filing cover letter
SEC/262/2025 November 5, 2025 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 Q2-FY26
INVESTOR PRESENTATION Q2-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 – Q2 FY26
Performance Highlights – Q2 FY26 ₹ 50,021 Cr ₹ 34,712 Cr ₹ 39,651 Cr ₹ 74,363 Cr Balance Sheet Size Gross Advances Deposits Total Business 27% Y-o-Y 29% Y-o-Y 25% Y-o-Y 27% Y-o-Y ₹ 1,458 Cr ₹ 424 Cr ₹ 349 Cr ₹ 160 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 37% Y-o-Y 15%
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 Sept. 2024 Sept. 2025 Kerala 34 32 2(2) 1(1) 10% Tamil Nadu 17 16 18% 12(12) 30% 10% 27% Andhra Pradesh 12 13 14(14) 5% Maharashtra 11 11 35(35) 6% 12(13) 17% Karnataka 7 7 17(17) 21% 30% Others *19 *21 20% 6% 25(25) 10(1
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 16 23.98 13.82% Mutual Funds 27.42% Foreign Portfolio 95 24.68 14.23% Investors Foreign Portfolio CSB ESOS Trust 1 4.15 2.39% 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. Sudhin Choksey Mr. Sharad Kumar Saxena Ms. Renu Kohli Mr. Deepak Maheshwari Mr. DN Narasimha Raju Independent Director Independent Director Independent Director Independent Director Independent Director He has over 40 years of He has over 30 years of She is an economist wi
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* 34,712 32,944 31,842 28,915 5,332 5,734 26,871 20% 17% 4,376 12,005 16,456 13% Q2 FY25 3,429 Q2 FY26 44% 13% 47% 8,146 6,105 23% 23% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Gold Wholesale Business Lending Group (BLG) Retail * Internal Classification (₹ cro
Slide 17: Gold Loan Portfolio
Gold Loan Portfolio Book size Portfolio Quality Tonnage 16,456 24.67 14,928 23.72 14,094 12,005 13,018 11.77%* 63% Yield LTV Q2 FY25 Q2 FY26 No. of Accounts (in lakhs) 4.96 0.29% 24.67 T 4.06 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 GNPA% Tonnage (₹ crore) Q2 FY25 Q2 FY26 * Portfolio yield for Q2 FY2
Slide 18: Disbursements
Disbursements 8692 11185 12000 12088 13001 50% Y-o-Y 488 374 1338 797 539 1702 1186 1938 1570 1360 470 977 1954 1495 975 9989 8652 8099 7311 5752 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 (₹ crore) Gold Wholesale Retail BLG Business Overview 17
Slide 19: Investments
Investments Net Investments Yield on Investments FVTPL 1.79% 8,370 10,132 11,389 11,150 10,799 6.91% 6.94% HTM 6.80% 514 596 6.63% 6.73% 39.49% 418 740 485 AFS Q2 Q3 Q4 Q1 Q2 FY25 FY25 FY25 FY26 FY26 58.72% 9,714 10,875 7,885 10,554 10,059 6.86% 6.68% 6.20% 6.42% M Duration 5.93% Q2 Q3 Q4 Q1 Q2 FVTP
Slide 20: Deposits
Deposits Total Deposits Term Deposit Mix* CASA Mix 31,840 33,407 36,861 35,935 39,651 24.09% 24.07% 24.19% 23.49% 21.17% 57% 54% 62% 61% 59% 31,257 78.68% 75.18% 74.03% 78.57% 27,943 27,494 79.17% 24,170 25,365 43% 46% 38% 39% 41% 7,670 8,042 8,918 8,441 8,394 21.32% 24.82% 25.97% 21.43% 20.83% Q2 F
Slide 21: Funding
Funding Funding Mix Credit Rating 7% 10% 12% 13% 13% Instrument Rating Tier II Bonds (Under Basel III) CRISIL A/ Stable IND A/Positive 71% 67% 66% 67% 71% Short Term Fixed Deposit CRISIL A1+ 22% 21% 21% 20% 19% Certificate of Deposit CRISIL A1+ Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 CASA TD Borrowi
Slide 22: Key Performance Matrix
Key Performance Matrix Net Interest Income Non Interest Income Operating Profit Net Profit 424 381 349 317 190 379 375 279 160 152 245 221 220 138 371 219 200 119 199 367 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY25 FY25 FY25 FY26 FY26 FY25 FY25 FY25 FY26 FY26 FY25 FY25 FY25 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% 11.21% 6.37% 6.32% 6.62% 11.06% 6.57% 4.30% 4.11% 10.98% 6.53% 3.75% 3.81% 10.95% 3.54% 6.19% 10.73% 6.09% 6.32% 6.25% Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY25 FY25 FY25
Slide 24: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Return on Assets Return on Equity Credit Cost Cost to Income 1.79% 0.57% 18.80% 0.53% 0.53% 1.50% 1.52% 64.66% 64.70% 63.86% 1.33% 14.53% 15.28% 14.46% 62.90% 0.15% 0.17% 1.03% 10.90% 57.92% Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY25 FY25 FY25 FY
Slide 25: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Book Value Per Share CD Ratio (Gross) 261 91.67% 258 249 87.54% 86.55% 86.38% 236 229 84.39% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 PCR (Incl. w/off) PCR (excl. w/off) 84.14% 83.71% 71.62% 67.19% 64.52% 59.45% 60.12% 81.49% 81.
Slide 26: Key Performance Matrix (contd.) – Asset Quality
Key Performance Matrix (contd.) (₹ crore) Asset Quality Q2 Q3 Q4 Q1 Q2 Gross NPA Movement FY25 FY25 FY25 FY26 FY26 606 215 629 452 183 458 183 498 164 178 Opening Balance of Gross 424 452 458 498 606 NPA Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Additions 64 62 94 139 94 Gross NPA Net NPA Sub Total (A
Slide 27: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 22.74% 21.08% 22.46% 21.71% 20.99% 42.39% 1.37% 1.87% 1.79% 41.76% 1.35% 1.80% 41.26% 40.68% 40.50% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 21.37% Liquidity Coverage Ratio* 19.73% 20.59% 19.92% 19.19% 126% 124% 123% 118% 11
Slide 28: Profit and Loss Account
Profit and Loss Account Particular Q2 FY26 Q1 FY26 Q2 FY25 QoQ YoY Interest Income 1,109 1,041 865 7% 28% Interest Expense 685 662 497 4% 38% Net Interest Income 424 379 367 12% 15% Treasury Profit 6 53 29 -88% -78% Fee income 343 192 170 79% 101% Net Operating Income 773 624 567 24% 36% Staff Cost
Slide 29: Profit and Loss Account
Profit and Loss Account Particular H1 FY26 H1 FY25 YoY Interest Income 2,150 1,697 27% Interest Expense 1,347 967 39% Net Interest Income 803 729 10% Treasury Profit 59 48 23% Fee income 535 323 66% Net Operating Income 1,397 1,101 27% Staff Cost 449 362 24% Other Opex 448 366 22% Total Opex 897 728
Slide 30: Balance Sheet
Balance Sheet Liabilities Sept. 30, 2025 June 30, 2025 Sept. 30, 2024 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 4,527 4,466 3,967 1% 14% Deposits 39,651 35,935 31,840 10% 25% Of which CASA 8,394 8,441 7,670 -1% 9% Borrowings 4,326 5,340 2,347 -19% 84% Other Liabilities & Provisions
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 have been built and commissioned. Payment System, Virtual Account Management, Digital Channels 2. Private
Slide 33: Enhancing Digital Footprint
Enhancing Digital Footprint [ [ 6.40 lakh+ 91.75% 19,300+ Mobile % of Digital QR Banking Users Transaction* Installations [ [ [ 6.40 lakh+ 3,100+ 9.57 lakh+ Net Banking PoS Machine Debit Cards Users Installations *for H1 FY25 [ 673 lakh+ 1.75 lakh+ Digital Credit Cards Transaction* *for H1 FY26 Digi
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