CSB Bank Q1 FY27: Growth-led quarter with stable margins and improving asset quality
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Frequently Asked Questions
In Q1 FY27, balance sheet size was 58,101 crore, gross advances were 40,867 crore, deposits were 45,415 crore, total income was 1,516 crore, and profit after tax was 150 crore.
Gross NPA was 1.75% and net NPA was 0.39% in Q1 FY27. Gross NPA amount was 715 crore and net NPA amount was 158 crore.
In Q1 FY27, gross advances mix was Gold 21,906 crore (54%), Wholesale 10,553 crore (26%), BLG 4,469 crore (11%), and Retail 3,939 crore (9%).
Total deposits were 45,415 crore comprising CASA 8,815 crore and term deposits 36,600 crore. Term deposits mix was 52% bulk and 48% retail (excluding CD).
Net interest margin was 3.66% and return on assets was 1.09% in Q1 FY27.
The bank reported 95.96% of transactions as digital in Q1 FY27, with 6.56 lakh+ mobile banking users, 6.56 lakh+ net banking users, and 654 lakh+ digital transactions.
The presentation targets corporate mobile banking and mobile trade finance delivery by Q3 FY27, vulnerability response system completion by Q3 FY27, and self-heal and runbook automation by Q4 FY27.
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