Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q1 FY27 Earnings Presentation
36 slides from Csb Bank's earnings presentation, Jul 22, 2026
Slide 1: Exchange filing cover letter for investor presentation
SEC/163/2026 July 22, 2026 BSE Limited, National Stock Exchange of India Ltd., Corporate Relationship Department, Listing Department, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Dalal Street, Bandra-Kurla Complex, Mumbai 400001. Bandra (E), Mumbai 400051. Scrip code: 542867 Symbol: CSBBANK
Slide 2: Investor Presentation Q1-FY27
INVESTOR PRESENTATION Q1-FY27
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 30 ESG 32 Awards 33
Slide 5: Performance Highlights – Q1 FY27
Performance Highlights – Q1 FY27 ₹ 58,101 Cr ₹ 40,867 Cr ₹ 45,415 Cr ₹ 86,282 Cr Balance Sheet Size Gross Advances Deposits Total Business 20% Y-o-Y 24% Y-o-Y 26% Y-o-Y 25% Y-o-Y ₹ 1,516 Cr ₹ 479 Cr ₹ 229 Cr ₹ 150 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 18% Y-o-Y 26%
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 June 2026 June 2025 Kerala 31 32 2(2) 1(1) 10% Tamil Nadu 16 16 12(12) 21% 25% 27% 11% Andhra Pradesh 13 13 15(15) 36(36) Maharashtra 11 11 8% 12(13) 17(17) 17% Karnataka 7 7 7(3) 6% 19% 31% Others * 22 21 19% 6% 25(25) 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 12 21.80 12.57% Mutual Funds Foreign Portfolio 30.16% 91 21.91 12.63% Investors Foreign Portfolio CSB ESOS Trust 1 3.82 2.20% 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 Mr. Biswamohan Mahapatra Mr. Pralay Mondal is
Slide 10: Our Board of Directors
Our Board of Directors Mr. DN Narasimha Raju Ms. Sheetal Shetty 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 11: Our Strong Leadership Team
Our Strong Leadership Team Narendra Pralay Mondal B K Divakara Satish Gundewar 36+ 38+ 31+ Kumar Dixit 31+ Managing Director & CEO Executive Director Chief Financial Officer Head - Retail Banking Manish Modi Shyam Mani Rajesh Manish Agarwal 30+ Head - Wholesale 29+ Head - MSME 31+ Choudhary 28+ 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* 40,359 40,867 37,161 32,944 34,712 3,939 6,054 9% 19% 4,469 11% 4,275 14,928 Q1 FY26 21,906 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 13% 10,553 45% 54% 26% Secured Advances 7,687 23% 97% 98% 97% 98% 98% 3% 3% 2% 2% 2% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26
Slide 17: Gold Loan Portfolio
Gold Loan Portfolio Book size Portfolio Quality Tonnage 21,567 21,906 24.59 23.99 19,020 * 75.31% 11.85% 16,456 14,928 Yield LTV Q1 FY26 Q1 FY27 No. of Accounts (in lakhs) 4.31 0.27% 23.99 T 4.03 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 GNPA% Tonnage (₹ crore) Q1 FY26 Q1 FY27 * Portfolio yield for Q1
Slide 18: Disbursements
Disbursements 12088 13001 17358 18864 11922 1% 428 Y-o-Y 588 436 1428 508 488 374 1433 1338 444 1702 1186 187 1360 1524 16420 14981 9989 8652 9767 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 (₹ crore) Gold Wholesale Retail BLG Business Overview 17
Slide 19: Investments
Investments Net Investments Yield on Investments HFT 2.58% 11,150 10,799 11,376 11,955 12,073 HTM 37.48% 769 767 596 791 740 AFS 59.94% 6.88% 6.73% 6.73% 6.85% 11,188 11,304 10,554 10,585 6.63% 10,059 M Duration Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FVTPL AFS HTM Total FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY2
Slide 20: Deposits
Deposits Total Deposits Term Deposit Mix* CASA Mix 35,935 39,651 40,460 44,246 45,415 23.49% 21.17% 20.55% 19.96% 19.41% 50% 48% 54% 53% 59% 35,414 36,600 78.57% 79.17% 78.92% 78.10% 78.59% 31,257 32,144 27,494 50% 52% 46% 47% 41% 8,441 8,394 8,316 8,832 8,815 21.43% 20.83% 21.08% 21.90% 21.41% Q1 F
Slide 21: Funding
Funding Funding Mix Credit Rating 13% 10% 12% 14% 14% Instrument Rating Tier II Bonds CRISIL A/ Stable IND A/Positive 67% 71% 71% 68% 69% Short Term Fixed Deposit CRISIL A1+ 20% 19% 18% 17% 17% Certificate of Deposit CRISIL A1+ Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CASA TD Borrowing Business Overv
Slide 22: Key Performance Matrix
Key Performance Matrix Yield on Advances 11.20% 10.56% 10.98% 9.69% 10.12% 9.90% 10.52% 10.08% 9.81% 9.25% 9.03% 9.34% 9.11% 8.70% 8.78% 11.70% 11.77% 11.83% 12.00% 11.85% 10.73% 10.95% 10.82% 10.72% 10.65% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Total Yield Gold Wholesale BLG Retail Financials 21
Slide 23: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Net Interest Income Non Interest Income 349 306 464 479 276 424 453 245 229 379 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Operating Profit Net Profit 202 279 292 294 251 160 153 150 220 119 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27
Slide 24: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Return on Assets Return on Equity Net Interest Margin CD Ratio (Gross) 3.81% 3.86% 3.83% 3.66% 1.53% 3.54% 17.66% 91.67% 91.85% 91.22% 1.33% 89.99% 1.22% 14.46% 13.38% 1.03% 1.09% 12.71% 87.54% 10.90% Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY26 FY
Slide 25: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Credit Cost* PCR (Incl. w/off) PCR (excl. w/off) Slippage Ratio 84.14% 86.33% 86.83% 2.25% 80.46% 79.87% 0.69% 76.38% 77.96% 71.62% 1.72% 64.52% 66.32% 0.53% 0.53% 1.11% 0.36% 0.97% 0.66% 0.18% Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY26 FY26 FY26
Slide 26: Key Performance Matrix (contd.) – Asset Quality
Key Performance Matrix (contd.) (₹ crore) Asset Quality Q1 Q2 Q3 Q4 Q1 Gross NPA Movement FY26 FY26 FY26 FY26 FY27 729 670 715 606 215 629 246 178 158 158 Opening Balance of Gross 498 606 629 729 670 NPA Additions 139 94 197 61 98 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Gross NPA Net NPA Sub Total (
Slide 27: Key Performance Matrix (contd.) – Capital Adequacy
Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 21.71% 20.99% 19.41% 20.66% 19.96% 1.79% 1.80% 1.75% 1.73% 1.00% 41.97% 19.92% 19.19% 41.26% 17.66% 18.93% 18.96% 40.50% 40.52% 38.88% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Tier 1 T
Slide 28: Profit and Loss Account
Profit and Loss Account Particular Q1 FY27 Q4 FY26 Q1 FY26 QoQ YoY Interest Income 1,287 1,201 1,041 7% 24% Interest Expense 808 737 662 10% 22% Net Interest Income 479 464 379 3% 26% Treasury Profit 12 -6 53 NA -78% Fee income 216 312 192 -30% 13% Net Operating Income 707 770 624 -8% 13% Staff Cost
Slide 29: Balance Sheet
Balance Sheet Liabilities June 30, 2026 Mar 31, 2026 June 30, 2025 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 5,003 4,721 4,466 6% 12% Deposits 45,415 44,246 35,935 3% 26% Of which CASA 8,815 8,832 8,441 0% 4% Borrowings 6,023 7,154 5,340 -16% 13% Other Liabilities & 1,486 1,432 2,6
Slide 30: 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 31: Technology Transformation @ CSB Bank
Technology Transformation @ CSB Bank Technology Infrastructure Transformation Core Systems Transformation 1. Modernized infrastructure with Private Cloud, Virtualized 1. A modern banking platform has been established with Data Centers, and Enterprise Backup solutions, supported Flexcube Core Banking
Slide 32: Enhancing Digital Footprint
Enhancing Digital Footprint [ [ 6.56 lakh+ 95.96% 19,200+ Mobile % of Digital QR Banking Users Transaction* Installations [ [ [ 6.56 lakh+ 3,400+ 9.69 lakh+ Net Banking PoS Machine Debit Cards Users Installations *for H1 FY25 654 lakh+ [ 1.96 lakh+ Digital Credit Cards Transaction* *for Q1FY27 Digit
Slide 33: 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 34: Awards & Recognition
Awards & Recognition Indian Institute of Banking & Finance awards “Excellence in Credit & CSB Bank awarded with Compliance Learning Award” to CSB “Best Security Driven CI/CD Pipeline” Bank Awards 33
Slide 35: 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 36: 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