CSB Bank Ltd (NSE:CSBBANK)

Q1 2027 CSB Bank Ltd Earnings Call Transcript

Jul 22, 2026 / 12:00 PM GMT

Release Date Price: ₹345.3 (-6.68%)

Transcript

Key Points

Positve

CSB Bank Ltd (BOM:542867) reported a 27% year-over-year growth in profit, reaching 150 crores for Q1 FY27.
Net interest income increased by 26% to 479 crores, indicating strong core banking performance.
The bank's deposits grew by 26% year-over-year, significantly outpacing the industry growth rate of 13.4%.
The bank's liquidity position remains stable, with an average LCR of 123% and an NSFR ratio of 126%.
CSB Bank Ltd (BOM:542867) maintains a strong capital position with a CRAR of 19.96% and a Tier 1 ratio of 18.96%.

Negative

The bank's net interest margin (NIM) declined due to a higher mix of bulk deposits, which increased funding costs.
There was a significant drop in other income, primarily due to a decrease in treasury gains and insurance income.
Asset quality showed volatility with slippages in the SME segment, impacting the overall yield.
The bank's reliance on bulk deposits, which are inherently volatile, creates pressure on funding costs.
The unsecured loan portfolio remains low at 2% of total assets, limiting potential yield improvements.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CSBB.NS - CSB Bank Ltd
Q1 2027 CSB Bank Ltd Earnings Call
Jul 22, 2026 / 12:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to CSB Bank Limited earnings call for Q1 FY27 financial results hosted by Yes Securities Limited.

Please note all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.

Please note that this conference is being recorded.

With that, I hand over the call to Mr. Shivaji Taplial from ES Securities.

Thank you, and over to you, sir.

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Unidentified_2 [2]
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Thank you, Swapnil.

Good evening, and a warm

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