CSB Bank Limited has informed the Exchange about Transcript of Analysts/Institutional Investor Meet/Con. Call
CSBBANK · price
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CSB Bank reported FY2026 net profit of Rs.633 Crores (7% YoY growth) with Q4 net profit of Rs.202 Crores (32% sequential growth). Operating profit grew 19% to Rs.1,085 Crores while NII rose 17% to Rs.1,720 Crores. Asset quality improved significantly with GNPA at 1.66% and NNPA at 0.40% - the lowest levels in four quarters. The bank grew deposits 20% YoY and advances 27% YoY, outpacing industry growth of 13.5% and 16.1% respectively. NIM for Q4 stood at 3.83% while RoE for Q4 reached 17.66%. Management highlighted successful completion of core banking system migration and outlined plans to build retail liability franchise, targeting meaningful retail asset growth from Q4 FY2027/Q1 FY2028. The bank aims for 25% loan growth in FY2027, contingent on deposit franchise development.
Strong quarter with best asset quality in recent quarters and successful tech transformation. Management guided ROA of ~1.5% and ROE of ~15% for FY2027, with cost-to-income expected to remain elevated at 60-65% until FY2028 when operating leverage kicks in.