Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q4 FY26 Earnings Presentation
38 slides from Csb Bank's earnings presentation, May 4, 2026
Slide 1: Exchange cover letter: Presentation to Institutional Investors/Analysts
SEC/092/2026 May 4, 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 Investors/
Slide 2: Investor Presentation Q4-FY26 / FY 2025-26
INVESTOR PRESENTATION Q4-FY26 / FY 2025-26
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 12 Business Overview 16 Financials 22 Digital Penetration 32 ESG 34 Awards 35
Slide 5: Performance Highlights – FY26
Performance Highlights – FY26 ₹ 57,727 Cr ₹ 40,359 Cr ₹ 44,246 Cr ₹ 84,605 Cr Balance Sheet Size Gross Advances Deposits Total Business 21% Y-o-Y 27% Y-o-Y 20% Y-o-Y 23% Y-o-Y ₹ 5,682 Cr ₹ 1,720 Cr ₹ 1,177 Cr ₹ 633 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 24% Y-o-Y 17
Slide 6: Performance Highlights – Q4 FY26
Performance Highlights – Q4 FY26 ₹ 57,727 Cr ₹ 40,359 Cr ₹ 44,246 Cr ₹ 84,605 Cr Balance Sheet Size Gross Advances Deposits Total Business 21% Y-o-Y 27% Y-o-Y 20% Y-o-Y 23% Y-o-Y ₹ 1,507 Cr ₹ 464 Cr ₹ 306 Cr ₹ 202 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 11% Y-o-Y 25%
Slide 7: 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 8: Robust Network, Extensive Reach
Robust Network, Extensive Reach % Distribution State Total Business Gold Loans Mar. 2026 Mar. 2025 Kerala 31 33 2(2) 1(1) 10% Tamil Nadu 16 16 12(12) 19% 28% 25% 11% Andhra Pradesh 13 13 15(15) 36(36) 7% Maharashtra 11 11 12(13) 17(17) 7% 17% Karnataka 7 7 3(1) 20% 31% Others * 22 20 19% 6% 25(25) 1
Slide 9: 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 21.40 12.34% Mutual Funds 29.69% Foreign Portfolio 95 22.28 12.84% Investors Foreign Portfolio CSB ESOS Trust 1 4.01 2.31% Investors 40.00% Alternate
Slide 10: 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 Mr. Biswamohan Mahapatra Mr. Pralay Mondal is
Slide 11: 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 Mr. Sharad Saxena h
Slide 12: 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 13: 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 14: 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 15: 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 16: Driven by SBS 2030 (contd.)
Driven by SBS 2030 (contd.) Technology Human Capital Customer service Our Pillars Governance Compliance Strategy 15
Slide 17: Advances
Advances Gross Advances Gross Advances Mix* 40,359 37,161 34,712 32,944 6,233 4,463 31,842 20% 11% 4,350 11% 14,094 FY25 FY26 4,241 44% 9,979 13% 21,567 53% 25% 7,274 23% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Gold Wholesale Business Lending Group (BLG) Retail * Internal Classification (₹ crore) Bu
Slide 18: Gold Loan Portfolio
Gold Loan Portfolio Book size Portfolio Quality Tonnage 21,567 25.14 24.04 19,020 * 12.00% 66.90% 16,456 14,928 14,094 Yield LTV FY25 FY26 No. of Accounts (in lakhs) 0.22% 24.04 T 4.48 4.16 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 GNPA% Tonnage (₹ crore) FY25 FY26 * Portfolio yield for Q4 FY26 Busine
Slide 19: Disbursements
Disbursements 12000 12088 13001 17358 18864 57% Y-o-Y 428 588 436 1428 508 488 374 1433 797 1338 1702 1186 1938 1360 1954 16420 14981 9989 8652 7311 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 (₹ crore) Gold Wholesale Retail BLG Business Overview 18
Slide 20: Investments
Investments Net Investments Yield on Investments HFT 2.48% 11,389 11,150 10,799 11,376 11,955 6.94% HTM 767 6.73% 6.73% 6.88% 514 791 6.63% 37.09% 596 740 AFS Q4 Q1 Q2 Q3 Q4 FY25 FY26 FY26 FY26 FY26 60.43% 10,875 11,188 10,554 10,059 10,585 6.86% 6.74% 6.19% 6.50% M Duration 5.94% Q4 Q1 Q2 Q3 Q4 FVT
Slide 21: Deposits
Deposits Total Deposits Term Deposit Mix* CASA Mix 36,861 35,935 39,651 40,460 44,246 24.19% 23.49% 21.17% 20.55% 19.96% 54% 53% 50% 57% 59% 35,414 74.03% 78.10% 32,144 78.57% 79.17% 78.92% 31,257 27,943 27,494 46% 47% 50% 43% 41% 8,918 8,441 8,394 8,316 8,832 25.97% 21.43% 21.08% 21.90% 20.83% Q4 F
Slide 22: Funding
Funding Funding Mix Credit Rating 13% 13% 10% 14% 14% Instrument Rating Tier II Bonds CRISIL A/ Stable IND A/Positive 66% 67% 71% 68% 69% Short Term Fixed Deposit CRISIL A1+ 21% 20% 19% 18% 17% Certificate of Deposit CRISIL A1+ Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 CASA TD Borrowing Business Overv
Slide 23: Key Performance Matrix
Key Performance Matrix Net Interest Income Non Interest Income Operating Profit Net Profit 381 453 464 349 317 306 279 292 294 424 202 371 379 276 190 245 220 160 153 119 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 FY25 FY26 FY26 FY26 FY26 FY25 FY26 FY26 FY26 FY26 FY25 FY26 FY26 FY26
Slide 24: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Yield on Advances Cost of Deposits Cost of Funds Net Interest Margin 3.86% 3.83% 6.43% 3.81% 10.98% 10.95% 6.37% 6.35% 10.82% 10.72% 6.32% 6.33% 10.73% 3.75% 6.57% 6.62% 6.53% 3.54% 6.46% 6.42% Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 FY25 FY26 FY26
Slide 25: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Return on Assets Return on Equity Credit Cost* Cost to Income 1.79% 1.53% 18.80% 0.69% 17.66% 1.33% 0.57% 1.22% 14.46% 13.38% 0.53% 0.53% 64.70% 63.86% 1.03% 57.92% 59.97% 61.88% 10.90% 0.18% Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 FY25 FY26 FY26 F
Slide 26: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Book Value Per Share CD Ratio (Gross) 272 269 91.67% 91.85% 91.22% 261 258 87.54% 86.38% 249 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 PCR (Incl. w/off) PCR (excl. w/off) 86.33% 83.71% 84.14% 76.38% 67.19% 71.62% 80.46% 79.87% 64.
Slide 27: Key Performance Matrix (contd.) – Asset Quality
Key Performance Matrix (contd.) (₹ crore) Asset Quality Q4 Q1 Q2 Q3 Q4 Gross NPA Movement FY25 FY26 FY26 FY26 FY26 729 670 606 215 629 246 498 164 178 158 Opening Balance of Gross 458 498 606 629 729 NPA Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Additions 94 139 94 197 61 Gross NPA Net NPA Sub Total (
Slide 28: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 22.46% 21.71% 20.99% 19.41% 20.66% 41.26% 1.87% 40.68% 40.50% 40.52% 1.79% 1.80% 1.73% 38.88% 1.75% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Liquidity Coverage Ratio* 20.59% 19.92% 19.19% 18.93% 17.66% 126% 124% 123% 114% 10
Slide 29: Profit and Loss Account
Profit and Loss Account Particular Q4 FY26 Q3 FY26 Q4 FY25 QoQ YoY Interest Income 1,201 1,154 981 4% 22% Interest Expense 737 701 610 5% 21% Net Interest Income 464 453 371 2% 25% Treasury Profit -6 5 51 -216% -112% Fee income 312 272 331 15% -6% Net Operating Income 770 730 753 6% 2% Staff Cost* 2
Slide 30: Profit and Loss Account
Profit and Loss Account Particular FY26 FY25 YoY Interest Income 4,505 3,597 25% Interest Expense 2,785 2,121 31% Net Interest Income 1,720 1,476 17% Treasury Profit 58 98 -41% Fee income 1,119 874 28% Net Operating Income 2,897 2,448 18% Staff Cost* 932 754 24% Other Opex 880 784 12% Total Opex 1,8
Slide 31: Balance Sheet
Balance Sheet Liabilities Mar. 31, 2026 Dec 31, 2025 Mar. 31, 2025 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 4,721 4,662 4,324 1% 9% Deposits 44,246 40,460 36,861 9% 20% Of which CASA 8,832 8,316 8,918 6% -1% Borrowings 7,154 6,540 5,546 9% 29% Other Liabilities & 1,432 1,672 931 -
Slide 32: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Balance Sheet Size Gross Advances Deposits Total Income 44246 5682 40359 4569 57727 36861 47836 31842 29719 3512 36056 24572 24506 20842 2635 29162 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 Profit After Tax ROA Net NPA NIM 633 5.4
Slide 33: Technology Transformation @ CSB Bank
Technology Transformation @ CSB Bank Technology Infrastructure Transformation Core Systems Transformation 1. Four new Datacenters along with private cloud have been built and 1. Bank is now on a New Core Banking System (Flexcube) including Payment commissioned. System, Virtual Account Management, Di
Slide 34: Enhancing Digital Footprint
Enhancing Digital Footprint [ [ 6.90 lakh+ 89.11% 19,000+ Mobile % of Digital QR Banking Users Transaction* Installations [ [ [ 6.90 lakh+ 3,400+ 9.78 lakh+ Net Banking PoS Machine Debit Cards Users Installations *for H1 FY25 1,655 lakh+ [ 1.94 lakh+ Digital Credit Cards Transaction* *for FY26 Digit
Slide 35: 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 36: Awards & Recognition
Awards & Recognition Awards 35
Slide 37: 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 38: 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