CSB Bank Q1 FY27 PAT up 27% YoY at Rs 150 Cr, NIM improves to 3.66%
CSBBANK · price
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CSB Bank Q1 FY27: PAT Rs 150 Cr (up 27% YoY, down 26% QoQ). Net Interest Income Rs 479 Cr (up 26% YoY), total income Rs 1,516 Cr (up 18% YoY). Gross advances Rs 40,867 Cr (up 24% YoY), deposits Rs 45,415 Cr (up 26% YoY), total business Rs 86,282 Cr. NIM improved to 3.66% from 3.54% YoY. Net NPA fell sharply to 0.39% from 0.66%. ROA at 1.09%, ROE at 12.71%. Capital adequacy 19.96%. Branch network expanded to 868. Promoter Fairfax holds 40%. Bank targets becoming a mid-sized national bank by 2030 under SBS 2030 strategy.
Strong YoY growth in profit, advances, and deposits with improving NIM and asset quality. Fairfax-backed and well-capitalized. QoQ profit dip is a watch point.