)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
CSB Bank
CSB Bank (CSBBANK) investor relations material
CSB Bank Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2027 earnings summary23 Oct, 2026
Executive summary
Q2 FY27 balance sheet was ₹60,561 crore, up 21% YoY; deposits rose 18% to ₹46,889 crore and gross advances rose 22% to ₹42,383 crore.
Q2 net profit was ₹182.72 crore, up 14% YoY; NII was ₹510 crore, up 20%, with NIM at 3.81%.
Asset quality improved YoY, with gross and net NPA ratios at 1.58% and 0.33%, respectively.
Financial highlights
Q2 interest income was ₹1,339 crore, up 21% YoY; interest expense was ₹829 crore, up 21%, and NII was ₹510 crore, up 20%.
Total income was ₹1,612.48 crore, up YoY; operating profit was ₹275.76 crore versus ₹279.30 crore, while PAT was ₹182.72 crore versus ₹160.33 crore.
H1 FY27 NII was ₹989 crore, up 23% YoY; operating profit was ₹527 crore, up 5%, and PAT was ₹332.76 crore, up 19%.
Q2 core fee income grew 27% YoY, while total fee income fell 20%; treasury recorded a ₹2 crore loss versus a ₹6 crore profit a year earlier.
Other income was ₹273.51 crore versus ₹349.20 crore YoY; Q2 operating profit rose 10% QoQ.
Outlook and guidance
SBS 2030 entered its FY27–FY30 Scale phase, targeting a mid-sized, full-service private-sector bank with national presence and broader products, partnerships and customer offerings.
Balance-sheet growth guidance remains 30%-50% faster than system growth; faster growth is expected from FY28, subject to building the liability franchise.
FY27 ROA is expected between 1.29% and 1.5%; the FY28 target is 1.5%-1.8%, likely closer to 1.5%. NIM target is 3.75%-3.8%.
Next-FY priorities include retaining ~3.75% NIM, reducing cost of funds from 6.55% to ~6%, and growing CASA faster than term deposits; gold advances are targeted at ~50% of the book by year-end and 32% by 2030.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from CSB Bank
- Capital and asset quality strengthened, but higher costs and provisioning deepened FY19 losses.CSBBANK
Q4 18/19 - Core growth was outweighed by legacy provisions, a net loss and capital constraints.CSBBANKQ4 17/18
- Rapid business growth lifted profit, but asset quality and deferred pension costs remained risks.CSBBANKQ4 10/11
- Rapid business growth and improving asset quality, with capital needs and macro risks ahead.CSBBANKQ4 11/12
- Profit rose 26.13% as business expanded, with capital strengthened and asset quality closely managed.CSBBANKQ4 12/13
- Growth in SME and retail lending could not offset higher NPAs and a ₹53.17 crore net loss.CSBBANKQ4 14/15
- Higher NII and business could not offset rising NPAs and lower FY14 profit.CSBBANKQ4 13/14
- Accelerated provisioning deepened FY16 losses as advances shrank and NPAs stayed elevated.CSBBANKQ4 15/16
- Profit returned in FY17, but treasury dependence and rising NPAs remained key concerns.CSBBANKQ4 16/17
Next CSB Bank earnings date
Q3 26/2727 Jan, 2027
CSB Bank
Next CSB Bank earnings date
Q3 26/2727 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
CSB Bank Limited, formerly known as Catholic Syrian Bank, is a private sector bank in India with a substantial presence particularly in the southern states. CSB Bank offers a wide range of banking and financial services catering to different customer segments including small and medium enterprises (SMEs), retail, and non-resident Indian (NRI) customers. Its service portfolio includes personal, corporate, and wholesale banking, along with treasury operations. The bank provides a variety of financial products such as savings, current, and fixed deposit accounts, loans (personal, gold, vehicle, home, and educational), as well as NRI banking services. The company is headquartered in Thrissur, Kerala, and its shares are listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE).