Csb Bank Ltd. · NSE:CSBBANK
Csb Bank — Q2 FY27 Earnings Presentation
39 slides from Csb Bank's earnings presentation, Oct 23, 2026
Slide 1: Exchange filing cover letter
SEC/262/2026 October 23, 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: CSBB
Slide 2: Investor Presentation Q2-FY27
INVESTOR PRESENTATION Q2-FY27
Slide 3: Foundation Built. Future Unlocked.
. . & CSB Bank Foundation Built. aad Future Unlocked.
Slide 4: What's Inside
What's Inside Company Overview 4 Strategy 11 Business Overview 15 Financials 21 Digital Penetration 32 ESG 35 Awards 36
Slide 5: Performance Highlights – Q2 FY27
Performance Highlights – Q2 FY27 ₹ 60,561 Cr ₹ 42,383 Cr ₹ 46,889 Cr ₹ 89,272 Cr Balance Sheet Size Gross Advances Deposits Total Business 21% Y-o-Y 22% Y-o-Y 18% Y-o-Y 20% Y-o-Y ₹ 1,612 Cr ₹ 510 Cr ₹ 274 Cr ₹ 183 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 11% Y-o-Y 20%
Slide 6: Driven by Purpose, since 1920
Driven by Purpose, since 1920 Journey began in Oldest private sector Focus on comprehensive November 1920 bank in Kerala financial needs of ▪ Retail customers ▪ MSME customers ▪ Corporate Clients Offer products and services Promoted by FIH Mauritius ▪ Agricultural Sectors across Personal Banking, Lo
Slide 7: Robust Network, Extensive Reach
Robust Network, Extensive Reach % Distribution Total Business Gold Loans State Sept 2026 Sept 2025 2(2) 11% Kerala 31 32 1(1) 21% 26% 24% 12(12) Tamil Nadu 16 16 11% 15(15) 7% Andhra Pradesh 13 13 36(36) Maharashtra 11 11 17(17) 7% 19% 17% 12(13) 7(5) 31% Karnataka 7 7 20% 6% Others * 22 21 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 Mutual Funds 10 22.82 13.15% 30.01% Foreign Portfolio Foreign Portfolio 87 21.38 12.32% Investors Investors 40.00% CSB ESOS Trust 1 3.54 2.04% CSB ESOS
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 Mr. B K Divakara is the Executive Director of the Bank since Mr. Pralay Mondal is the Managing Director & CEO of the Bank Mr. Biswamohan
Slide 10: Our Board of Directors
Our Board of Directors Ms. Renu Kohli Mr. Deepak Maheshwari Mr. DN Narasimha Raju Independent Director Independent Director Independent Director Ms. Renu Kohli is an economist with research and Mr. Deepak Maheshwari is an experienced banker with an Mr. Narasimha Raju was a Karnataka cadre IAS office
Slide 11: Our Strong Leadership Team
Our Strong Leadership Team Narendra Kumar 36+ Pralay Mondal 38+ B K Divakara 31+ 31+ Satish Gundewar Dixit Managing Director & CEO Executive Director Chief Financial Officer Head - Retail Banking 30+ Manish Modi 29+ Shyam Mani 31+ Rajesh Choudhary 28+ Manish Agarwal Head - Wholesale Banking Head - M
Slide 12: Driven by SBS 2030
Driven by SBS 2030 Long-term vision of becoming a Rolled out in three Launched in March 2022 mid-sized new age bank with a phases: Sustain, Build, national presence by 2030 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.) Sustain Build Scale Core Strengths Platforms for Future Execute with Guardrails Building for Scale Phase (FY27 to FY30) ▪ Transition into a cutting-edge, full-service ▪ Foster innovation and collaboration as key private sector bank growth drivers ▪ Enhance our product sui
Slide 14: Driven by SBS 2030 (contd.) – Key Enablers
Driven by SBS 2030 (contd.) Key Enablers Good Governance Board Support and Growth-Oriented Policy Clear Executable Strategy Structure Guidance Building Infrastructure in Robust and Efficient Innovation, Agility, and Physical, Hybrid, and Digital Customer-Centric Strong Leadership Digitalisation Proc
Slide 15: Driven by SBS 2030 – Our Pillars
Driven by SBS 2030 (contd.) Our Pillars PILLAR 1 PILLAR 2 PILLAR 3 PILLAR 4 PILLAR 5 Human Customer Governance Technology Compliance Capital service Strategy 14
Slide 16: Advances
Advances Gross Advances Gross Advances Mix* 40,359 40,867 42,383 34,712 37,161 3,766 5,734 8% 17% 4,563 11% 4,376 13% 22,303 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q2 FY27 16,456 53% 11,751 47% 28% Secured Advances 8,146 97% 98% 98% 98% 98% 23% 3% 2% 2% 2% 2% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27
Slide 17: Gold Loan Portfolio
Gold Loan Portfolio Book size Portfolio Quality Tonnage 24.67 21.93 21,906 22,303 21,567 19,020 12.33%* 75.25% 16,456 Q2 FY26 Q2 FY27 Yield LTV No. of Accounts (in lakhs) 4.44 0.28% 21.93 T 4.06 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 GNPA% Tonnage (₹ crore) Q2 FY26 Q2 FY27 * Portfolio yield for Q2
Slide 18: Disbursements
Disbursements 13001 17358 18864 11922 12714 2% Y-o-Y 428 588 436 1428 508 488 592 1338 1433 444 242 1186 187 1524 2184 16420 14981 9989 9767 9696 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 (₹ crore) Gold Wholesale Retail BLG Business Overview 17
Slide 19: Investments
Investments Net Investments Yield on Investments FVTPL 2.52% 10,799 11,376 11,955 12,073 12,402 6.88% 6.85% 6.73% 6.73% 6.76% HTM 674 38.20% 769 767 791 740 Q2 Q3 Q4 Q1 Q2 AFS FY26 FY26 FY26 FY27 FY27 59.28% 11,304 11,728 11,188 10,059 10,585 6.86% 5.93% 6.42% 6.68% 6.80% M Duration Q2 Q3 Q4 Q1 Q2 F
Slide 20: Deposits
Deposits Total Deposits 18% Y-o-Y Term Deposit Mix* CASA Mix 39,651 40,460 44,246 45,415 46,889 21.17% 20.55% 19.96% 19.41% 18.96% 50% 48% 48% 54% 53% 36,600 38,000 35,414 78.10% 78.31% 32,144 79.17% 78.92% 78.59% 31,257 50% 52% 52% 46% 47% 8,394 8,316 8,832 8,815 8,889 20.83% 21.08% 21.90% 21.41% 2
Slide 21: Funding
Funding Funding Mix Credit Rating 10% 14% 14% 12% 12% Instrument Rating Tier II Bonds CRISIL A/ Stable IND A/Stable 71% 71% 71% 68% 69% Short Term Fixed Deposit CRISIL A1+ 19% 18% 17% 17% 17% Certificate of Deposit CRISIL A1+ Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CASA TD Borrowing Business Overvie
Slide 22: Key Performance Matrix
Key Performance Matrix Yield on Advances 11.20% 10.56% 9.69% 10.12% 10.15% 10.52% 10.08% 9.81% 9.39% 9.25% 9.34% 9.11% 8.70% 8.78% 8.83% 11.77% 11.83% 12.00% 11.85% 12.33% 10.95% 10.82% 10.72% 10.65% 10.92% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 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 Operating Profit Net Profit 349 510 306 202 453 464 479 276 274 279 292 294 276 183 424 251 160 153 150 229 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY26 FY26 FY26 FY27 FY27 FY26 FY26 FY26 FY27 FY27 FY26 FY26
Slide 24: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Return on Assets Return on Equity Net Interest Margin Cost to Income 17.66% 14.46% 14.74% 1.53% 13.38% 12.71% 3.86% 3.83% 1.33% 3.81% 3.81% 63.86% 64.55% 64.80% 1.22% 1.29% 1.09% 3.66% 61.88% 59.97% Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY26 FY26
Slide 25: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Credit Cost* Cost of Fund Cost of Borrowings Cost of Deposits 0.87% 0.66% 6.55% 6.55% 7.86% 7.34% 7.40% 6.53% 7.01% 7.17% 6.46% 6.43% 6.37% 6.35% 6.33% 0.43% 6.46% 6.42% 0.24% 0.11% Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY26 FY26 FY26 FY27 FY27 F
Slide 26: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Earning per share Slippage Ratio Cost to Assets 47 42 2.25% 37 35 35 4.11% 3.50% 3.63% 3.59% 3.31% 1.11% 0.97% 0.66% 0.63% Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY26 FY26 FY26 FY27 FY27 FY26 FY26 FY26 FY27 FY27 FY26 FY26 FY26 FY27 FY27 38 31 32 29 4.12% 4.02% 2
Slide 27: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) PCR (Incl. w/off) PCR (excl. w/off) 87.65% 86.33% 86.83% 77.96% 79.19% 84.14% 76.38% 71.62% 79.87% 66.32% Q2 Q3 Q4 Q1 Q2 Q2 Q3 Q4 Q1 Q2 FY26 FY26 FY26 FY27 FY27 FY26 FY26 FY26 FY27 FY27 Book value per share CD Ratio (Gross) 289 290 91.85% 91.22% 272 89.99% 90.39% 269
Slide 28: Key Performance Matrix – Asset Quality
Key Performance Matrix (contd.) (₹ crore) Asset Quality Q2 Q3 Q4 Q1 Q2 Gross NPA Movement FY26 FY26 FY26 FY27 FY27 729 670 715 671 Opening Balance of 629 246 178 606 629 729 670 715 158 158 140 Gross NPA Additions 94 197 61 98 66 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Sub Total (A) 700 826 790 768
Slide 29: Key Performance Matrix – Capital Adequacy
Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 20.99% 19.41% 20.66% 19.96% 19.55% 1.80% 1.75% 1.73% 1.00% 1.01% 41.97% 19.19% 41.26% 17.66% 18.93% 18.96% 18.54% 40.50% 40.52% 38.88% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Tier 1 T
Slide 30: Profit and Loss Account
Profit and Loss Account Particular Q2 FY27 Q1 FY27 Q2 FY26 QoQ YoY Interest Income 1,339 1,287 1,109 4% 21% Interest Expense 829 808 685 3% 21% Net Interest Income 510 479 424 7% 20% Treasury Profit -2 12 6 -115% -128% Fee income 275 216 343 27% -20% Net Operating Income 783 707 773 11% 1% Staff Cos
Slide 31: Profit and Loss Account
Profit and Loss Account Particular H1 FY27 H1 FY26 YoY Interest Income 2,626 2,150 22% Interest Expense 1,637 1,347 22% Net Interest Income 989 803 23% Treasury Profit 10 59 -83% Fee income 492 535 -8% Net Operating Income 1,491 1,397 7% Staff Cost 519 449 15% Other Opex 445 448 -1% Total Opex 964 8
Slide 32: Balance Sheet
Balance Sheet Liabilities Sept 30, 2026 June 30, 2026 Sept 30, 2025 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 5,033 5,003 4,527 1% 11% Deposits 46,889 45,415 39,651 3% 18% Of which CASA 8,889 8,815 8,394 1% 6% Borrowings 6,169 6,023 4,326 2% 43% Other Liabilities & Provisions 2,296
Slide 33: 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 34: Technology Transformation @ CSB Bank
Technology Transformation @ CSB Bank Technology Infrastructure Surround Systems Core Systems Cybersecurity Systems Transformation Transformation Transformation Transformation 1 Modernized network 1 Successfully implemented and 1 Successfully implemented 1 A robust cybersecurity infrastructure and im
Slide 35: Enhancing Digital Footprint
Enhancing Digital Footprint 6.51 lakh+ 95.39% 19,700+ Mobile Banking Users % of Digital Transaction* QR Installations 6.51 lakh+ 2,500+ 9.06 lakh+ Net Banking Users PoS Machine Installations Debit Cards 1,143 lakh+ 1.87 lakh+ Digital Transaction* Credit Cards *for H1FY27 Digital Penetration 34
Slide 36: ESG Framework
ESG Framework Environmental Social Governance o Energy Efficiency o Employees - We Care through Equality, o ESG /Sustainable Development Policy o Reduction of GHG Emissions Diversity, Growth and Inclusion and o Board Oversight/ Diversity/ Stakeholder o Effluent and Waste Management provide Health/Ac
Slide 37: Awards & Recognition
Awards & Recognition Indian Institute of Banking & Finance Best Technology Team Delivering Business awards “Excellence in Credit & Compliance CSB Bank awarded with Value (Banking) Learning Award” to CSB Bank “Best Security Driven CI/CD Pipeline” CSB Bank Ltd. Awards 36
Slide 38: 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 39: Thank You
THANK CSB BANK LIMITED YOU Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur, Kerala 680 020 Tel: +91 487 2333020 Fax: +91 487 2338764 Email: [email protected] CIN: L65191KL1920PLC000175