CSB Bank Limited — Q2FY27 earnings call summary

Filed 30 October 2026 · Official transcript

NIM target steady at 3.75%-3.8%; cost of funds expected to reduce from 6.55% to ~6% next year
ROA improved to 1.29% this quarter; guidance 1.3%-1.5% for FY27, aiming 1.5%-1.8% next year
Asset quality stable: GNPA 1.58%, NNPA 0.33%, PCR 87.65%; credit cost 24 bps
Technology investments driving cost increase; focus on customer acquisition and digital capabilities
Q2 FY2027 net profit Rs.183 Cr, +22% sequential, +14% y-y; operating profit Rs.276 Cr, +10% q-o-q
Net interest income Rs.510 Cr, +7% q-o-q, +20% y-y; NIM steady at 3.81%
Deposits +18% y-y; CASA ratio 18.96%; CD ratio 90.39%; gross advances +22% y-y
Growth focus on balanced portfolio: gold +36%, corporate +44%, cautious SME; retail growth to start FY2028