CSB Bank Q2 FY27: gross advances up 22% YoY to ₹42,383 crore, deposits up 18%, RoA 1.29%
Q2 FY27 gross advances up 22% YoY to ₹42,383 crore, deposits up 18% to ₹46,889 crore, RoA 1.29%, NIM 3.81%.
By ScoutQuest · · 1 min read
- Gross Advances
- ₹42,383 crore in Q2 FY27, up 22% from ₹34,712 crore a year earlier
- Deposits
- grew 18% YoY to ₹46,889 crore
- Profitability Ratios
- RoA was 1.29%, RoE 14.74%, NIM 3.81%, cost to income 64.80%, and credit cost 0.24%
- Period
- Quarter and half year ended September 30, 2026…
- Positioning
- CSB Bank describes itself as pursuing SBS 2030 to become a mid-sized new age bank with a national presence by 2030, with a gold-led, 98% secured loan book.
💰 Gross advances rose to ₹42,383 crore in Q2 FY27, up 22% from ₹34,712 crore a year earlier; deposits grew 18% YoY to ₹46,889 crore and the balance sheet 21% to ₹60,561 crore. CASA grew only 6% to ₹8,889 crore while borrowings rose 43%.
💰 Gold loans are ₹22,303 crore or 53% of advances (47% a year ago), wholesale 28%, with retail shrinking to 8%. Quarterly RoA was 1.29%, RoE 14.74%, NIM 3.81%, cost to income 64.80%, and credit cost 0.24%.
📌 Management states the Sustain and Build phase of SBS 2030 ran till FY26, and the presentation lists a Building for Scale phase for FY27 to FY30 to transition into a full-service private sector bank with broader products, partnerships and customer centricity.
📈 The company says key objectives include a granular liability franchise with improving CASA ratio, a diversified retail book, fee income focus, and major investments in the initial 3-4 years with a defined payback period. Capital adequacy stood at 19.55% and average LCR at 127%.
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More numbers
- Gross advances, Q2 FY2742,383 (₹ crore)
- Gross advances growth YoY22%
- Gold loans, Q2 FY2722,303 (₹ crore)
- Deposits, Sept 30, 202646,889 (₹ crore)
- Deposits growth YoY18%
- CASA, Sept 30, 20268,889 (₹ crore)
- Total balance sheet, Sept 30, 202660,561 (₹ crore)
- Return on assets, Q2 FY271.29%
- Return on equity, Q2 FY2714.74%
- Net interest margin, Q2 FY273.81%
- Cost to income, Q2 FY2764.80%
- Capital adequacy ratio, Q2 FY2719.55%
- Profit after tax, FY26633 (₹ crore)
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