Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q1 FY26 Earnings Presentation
34 slides from Csb Bank's earnings presentation, Aug 13, 2025
Slide 1: Exchange filing cover letter for investor presentation
SEC/196/2025 August 13, 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 Invest
Slide 2: Investor Presentation Q1-FY26
INVESTOR PRESENTATION Q1-FY26
Slide 3: Banking Driven by Purpose...
Banking Driven by Purpose... With over a century of banking excellence, CSB Bank stands as a testament to resilience and innovation in the financial sector. Founded 104 years ago, the bank has continuously evolved to meet the dynamic needs of its diverse clientele.
Slide 4: Contents
Company Overview 4 Strategy 11 Business Overview 15 Financials 21 Digital Penetration 28 ESG 30 Awards 31
Slide 5: Performance Highlights – Q1 FY26
Performance Highlights –Q1 FY26 ₹ 48,580 Cr ₹ 32,944 Cr ₹ 35,935 Cr ₹ 68,879 Cr Balance Sheet Size Gross Advances Deposits Total Business 33% Y-o-Y 31% Y-o-Y 20% Y-o-Y 25% Y-o-Y ₹ 1,286 Cr ₹ 379 Cr ₹ 245 Cr ₹ 119 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 28% Y-o-Y 5% Y
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 endeavours to be a leading bank striving to excel in bringing products that sa
Slide 7: Robust Network, Extensive Reach
Robust Network, Extensive Reach Total Business Gold Loans % Distribution State June 2024 June 2025 1(1) Kerala 34 32 12(12) 18% 10% 2(2) 31% 9% 28% Tamil Nadu 17 16 14(14) 5% Andhra Pradesh 12 13 35(35) 5% 17% Maharashtra 11 11 12(13) 17(17) Karnataka 7 7 20% 21% 6% 30% Others 19 *21 25(25) 9(9) 8(7
Slide 8: Shareholding Pattern
Shareholding Pattern No of No of % Of Category Shareholde Share Held holding rs (in Mio) FIHM – Promoter 1 69.39 40.00% FIHM - Promoter Mutual Funds 14 23.06 13.29% 27.67% Mutual Funds Foreign Portfolio 87 26.66 15.37% Investors Foreign Portfolio CSB ESOS Trust 1 4.15 2.39% Investors Q1 FY26 40.00%
Slide 9: Our Board of Directors
Our Board of Directors Mr. Biswamohan Mahapatra Mr. Pralay Mondal Mr. B K Divakara Non-Executive Independent Chairperson Managing Director & CEO Executive Director He is the Non-Executive Independent Chairperson of the Bank He is the Managing Director & CEO of the Bank since He is the Executive Dire
Slide 10: Our Board of Directors
Our Board of Directors Ms. Sharmila Abhay Karve Mr. Sudhin Choksey Mr. Sharad Kumar Saxena Independent Director Independent Director Independent Director He has over 40 years of professional experience, both He has over 30 years of experience in banking and had She has over three decades of associat
Slide 11: Our Strong Leadership Team
Our Strong Leadership Team 30+ Pralay Mondal B K Divakara Narendra Kumar Dixit Satish Gundewar Managing Director & CEO Executive Director Head - Retail Banking Chief Financial Officer 35+ 37+ 30+ 30+ Manish Modi Shyam Mani Rajesh Choudhary Manish Agarwal Head - Wholesale Banking Head – SME and NRI C
Slide 12: Driven by SBS 2030
Driven by SBS 2030 Long-term vision of becoming a Launched in Rolled out in three phases: mid-sized new age bank with a March 2022 Sustain, Build, and Scale national presence by 2030 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.) Sustain Build Scale Core Strengths Platforms for Future Execute with Guardrails Building for Scale Phase (FY27 to FY30) ▪ Transform into full-service new age private sector bank ▪ Enhanced product suite across all customer segments ▪ Customer centricity at heart ▪ Focus o
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.) Pillars Customer Compliance Governance Human Technology service Capital Company Business Digital Strategy Financials ESG Awards 14 Overview Overview Penetration
Slide 16: Advances
Advances Gross Advances Gross Advances Mix* 32,944 31,842 28,915 26,871 25,099 5,081 6,054 20% 19% 14,928 4,275 10,947 Q1 FY25 45% Q1 FY26 13% 44% 3,256 13% 5,815 7,687 23% 23% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Gold Loans Corporate Loans SME Loans Retail Loans (₹ crore) * Internal Classificati
Slide 17: Gold Loan Portfolio
Gold Loan Portfolio Book size Portfolio Quality Tonnage 24.59 22.96 14,928 14,094 11.70%* 69.23% 13,018 12,005 10,947 Yield LTV Q1 FY25 Q1 FY26 No. of Accounts (in lakhs) 5.02 0.34% 24.59 T 4.03 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 GNPA% Tonnage Q1 FY25 Q1 FY26 (₹ crore) * Portfolio yield for Q1
Slide 18: Disbursements
Disbursements 10213 8692 11185 12000 12088 18% Y-o-Y 1,702 1938 1570 374 1621 797 1360 539 1495 393 977 1954 748 470 975 8652 8099 7311 7451 5752 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 (₹ crore) Gold Loans Corporate Loans SME Loans Retail Company Business Digital Strategy Financials ESG Awards 17 O
Slide 19: Investments
Investments Net Investments Yield on Investments FVTPL 4.36% 8,803 8,370 10,132 11,389 11,150 HTM 38.20% AFS 57.44% 6.91% 6.94% 10,875 10,554 6.80% 9714 6.79% 6.63% 8,430 7,885 M Duration Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FVTPL AFS HTM Total FY25 FY25 FY25 FY25 FY26 FY25 FY25 FY25 FY25 FY26 7.73 5.52 5.
Slide 20: Deposits
Deposits Total Deposits Term Deposit Mix* CASA Mix 29,920 31,840 33,407 36,861 35,935 24.90% 24.09% 24.07% 24.19% 23.49% 57% 59% 62% 61% 65% 27,943 27,494 25,365 24,170 75.18% 74.03% 22,471 78.67% 78.68% 78.57% 39% 43% 41% 35% 38% 7,449 7,670 8,042 8,918 8,441 24.82% 25.97% 21.33% 21.32% 21.43% Q1 F
Slide 21: Funding
Funding Funding Mix Credit Rating 7% 7% 12% 13% 13% Instrument Rating Tier II Bonds (Under Basel III) CRISIL A/ Stable IND A/Stable 70% 71% 67% 66% 67% Short Term Fixed Deposit CRISIL A1+ 23% 22% 21% 21% 20% Certificate of Deposit CRISIL A1+ Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 CASA TD Borrowing
Slide 22: Key Performance Matrix
Key Performance Matrix Net Interest Income Non Interest Income Operating Profit Net Profit 317 190 375 379 381 367 371 152 362 221 220 138 200 172 113 119 245 199 219 172 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY25 FY25 FY25 FY25 FY26 FY25 FY25 FY25 FY25 FY26 FY25 FY25 FY25 FY25
Slide 23: 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% 67.69% 1.50% 1.52% 64.66% 62.90% 64.70% 1.27% 15.28% 0.22% 14.53% 0.17% 57.92% 1.03% 12.69% 0.15% 10.90% Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY25 FY25 FY25 FY
Slide 24: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) (₹ crore) Asset Quality Q1 Q2 Q3 Q4 Q1 Gross NPA Movement FY25 FY25 FY25 FY25 FY26 606 215 169 452 183 458 183 498 164 424 Opening Balance of 361 424 452 458 498 Gross NPA Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Additions 103 64 62 94 139 Gross NPA Net NPA Sub Total (
Slide 25: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 23.61% 22.74% 21.08% 22.46% 21.71% 1.38% 43.08% 42.39% 1.37% 41.76% 40.68% 41.26% 1.87% 1.79% 1.35% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 22.23% 21.37% Average Liquidity Coverage Ratio 19.73% 20.59% 19.92% 124% 123% 118%
Slide 26: Profit and Loss Account
Profit and Loss Account Q1 FY25 Q4 FY25 Q1 FY26 YoY QoQ Q1 FY25 Q4 FY25 Q1 FY26 YoY QoQ Interest Operating 832 981 1041 25% 6% 172 317 220 28% -30% Income Profit Interest Provision 470 610 662 41% 9% 20 49 57 179% 16% Expense for NPA Net Interest Other 362 371 379 5% 2% Income Provisions - 11 3 NA -
Slide 27: Balance Sheet
Balance Sheet Liabilities June 30, 2024 March 31, 2025 June 30, 2025 YoY (%) QoQ (%) Capital 174 174 174 0% 0% Reserves & Surplus 3,767 4,324 4,466 19% 3% Deposits 29,920 36,861 35,935 20% -3% Of which CASA 7,449 8,918 8,441 13% -5% Borrowings 1,963 5,546 5,340 172% -4% Other Liabilities & Provision
Slide 28: 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 29: Technology Transformation @ CSB Bank
Technology Transformation @ CSB Bank Technology Infrastructure Core Systems Transformation Transformation 1. Four new Datacenters have been built and commissioned. 1. Bank is now on a New Core Banking System (Flexcube) including 2. Private Cloud has been built and ready to use. Payment System, Virtu
Slide 30: Enhancing Digital Footprint
Enhancing Digital Footprint Mobile PoS Machine 9.22 lakh+ Banking Users Installations 2,900+ Net Banking 9.22 lakh+ Users Credit Cards 1.61 lakh+ Digital QR 405 lakh+ Transaction * Installations 18,200+ % of Digital 95.06% Transaction* Debit Cards 9.56 lakh+ *for Q1 FY26 Company Business Digital Str
Slide 31: ESG Framework
ESG Framework • Employees - We Care through Equality, •Energy Efficiency • ESG /Sustainable Development Policy Diversity, Growth and Inclusion and provide •Reduction of GHG Emissions Health/Accident Coverage. • Board Oversight/ Diversity/ Stakeholder •Effluent and Waste Management • Customers- Custo
Slide 32: Awards & Recognition
Awards & Recognition The Bank awarded with Excellence in Operational CSB Bank Wins Innovative Product and Banking Double Win for CSB Bank at the India Treasury Efficiencies. CIO of the year at India Banking Summit 2025 Summit 2025 – Treasury Professional of the Year & Treasury Sustainability Award C
Slide 33: Disclaimer
Disclaimer This presentation has been prepared by CSB Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No informa
Slide 34: Thank You
THANKYOU THANKYOU CSB BANK LIMITED Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur, Kerala 680 020 THANKYOU THANKYOU Tel: +91 487 2333020 Fax: +91 487 2338764 Email: board@csb.co.in CIN: L65191KL1920PLC000175 THANKYOU