CSB Bank Q1 FY27 Profit Up 27% to ₹150 Crore; Net Interest Income Grows 26%
CSB Bank reported Q1 FY2027 net profit of ₹150 Crore, a 27% YoY growth. Net Interest Income rose 26% to ₹479 Crore. Deposits and advances grew 26% and 24% respectively. GNPA/NNPA stood at 1.75%/0.39%. ROE improved to 12.71%. The bank aims to reduce gold loan exposure to 30% by 2030.
The announcement details significant financial growth and strategic direction, including targets for reducing gold loan exposure, which are material to investors and the bank's future performance.
The bank reported strong year-on-year growth in net profit, operating profit, net interest income, deposits, and advances. Key asset quality metrics and capital adequacy remained robust, with improvements in ROE and ROA.
CSB Bank Limited reported a strong performance for the first quarter of FY2027, with net profit surging by 27% year-on-year to ₹150 Crore. Operating profit also saw a healthy increase of 14% to ₹251 Crore. The bank's Net Interest Income (NII) grew by 26% to ₹479 Crore. Net Interest Margin (NIM) improved to 3.66% from 3.54% in the same quarter last year. Return on Assets (ROA) stood at 1.09%, up from 1.03% in Q1 FY2026.
On the liability side, deposits grew by a robust 26% year-on-year, significantly outpacing the industry's 13.4% growth, with CASA ratio at 19.41%. Advances increased by 24% year-on-year, against an industry growth of 18.6%. Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets (NNPA) ratios were reported at 1.75% and 0.39% respectively. The bank maintained a strong Capital to Risk-Weighted Assets Ratio (CRAR) of 19.96%.
Book value per share stood at ₹289, and Earnings Per Share (EPS) for Q1 FY2027 was ₹35, up from ₹27 in Q1 FY2026. Return on Equity (ROE) improved to 12.71% from 10.9% in the prior year's quarter. The bank's network comprised 868 branches and 835 ATMs as of June 30, 2026. Management highlighted healthy growth across key business parameters and expressed confidence in achieving SBS 2030 milestones. The bank also addressed concerns regarding deposit mix, asset quality volatility, and the strategy for reducing gold loan exposure to around 30% by 2030.
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CSB Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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