CSB Bank earnings calls.

CSB Bank reported Q1 FY27Current reported value: 27. No comparable prior figure is available in the source record. PAT of 150 croresCurrent 150 crore vs previous available quarter 202 crore., up 27% YoY, with operating profit of 251 crores (+14% YoY) and NII of 479 crores (+26%Current 26%. Reported change: +26% YoY vs Industry 13.4%. YoY). The bank continues its franchise-building journey, with deposits and advances growing 26% and 24% YoY respectively, significantly outpacing industry growth of 13.4% and 18.6%. Asset quality remained stable with GNPA at 1.75% and NNPA at 0.39%, while PCR stands at 77.96%. The gold loan portfolio represents 54%Current 54%. Reported change: Down from prior levels (target 30% by 2030). of advances, and management targets reducing this to ~30% by 2030 via a gradual glide path. Capital adequacy remains robust at 19.96% CRAR with Tier-1 at 18.96%. NIM guidance of 3.75% for FY27 and ROA of 1.3-1.5% is maintained. Technology transformation is now complete, enabling accelerated retail franchise building from FY28. Key risks include SME segment volatility causing asset quality fluctuations, high bulk deposit concentration (~52% of term deposits) pressuring NIM, and execution challenges in diversifying beyond gold-dependent revenue.