CSB Bank has released its investor presentation highlighting the unaudited financial results for the quarter ended December 31, 2025. The presentation details key performance indicators, strategic initiatives, and an overview of the bank’s operations. The bank showcases its growth strategy (SBS 2030) aimed at transforming it into a leading, modern, and nationwide financial institution. The presentation includes financial highlights, business overview, and digital penetration.
Financial Highlights for Q3 2026
CSB Bank’s investor presentation for Q3 2026 showcases the following key financial metrics:
- Balance Sheet Size: ₹53,508 cr (up 24% Y-o-Y)
- Gross Advances: ₹37,161 cr (up 29% Y-o-Y)
- Deposits: ₹40,460 cr (up 21% Y-o-Y)
- Total Business: ₹77,621 cr (up 25% Y-o-Y)
- Total Income: ₹1,431 cr (up 26% Y-o-Y)
- Net Interest Income: ₹453 cr (up 21% Y-o-Y)
- Non-Interest Income: ₹276 Cr (up 26% Y-o-Y)
- Profit After Tax: ₹153 cr (up 1% Y-o-Y)
- Capital Adequacy Ratio: 19.41%
- Net NPA: 0.67%
- ROA: 1.22%
- NIM: 3.86%
Business Overview
The presentation provides an overview of CSB Bank’s business segments, including:
- Advances: Showing growth in gross advances.
- Gold Loan Portfolio: With book size increasing by 46%.
- Disbursements: A detailed breakdown by business segment.
- Investments: Providing yield on investments.
- Deposits: Total and term deposit mix.
- Funding: Funding mix and credit ratings.
Strategic Direction
CSB Bank is pursuing its strategy named ‘SBS 2030’ with a vision to become a mid-sized new age bank with a national presence by 2030. The strategic priorities are categorized into three phases: Sustain, Build, and Scale.
Key enablers for this strategy include good governance, a clear executable strategy, robust customer-centric processes, and strong leadership.
Digital Penetration
CSB Bank is focused on enhancing its digital footprint, with key metrics including:
- Mobile Banking Users: 6.71 lakh+
- % of Digital Transactions: 86.95%
- Net Banking Users: 6.71 lakh+
- Debit Cards: 9.68 lakh+
- Digital Transactions: 1,157 lakh+
Source: BSE
