What we do CSB Bank Ltd is a rapidly growing Indian private sector bank offering retail, SME, corporate banking, and treasury services across a nationwide network. |
Founded in 1,920 |
Market share Strong regional presence in Kerala with expanding branches across India, focusing on Northern and Western India. |
Problem solved Providing comprehensive banking services to retail and underserved segments, including gold loans, SME/MSME, and retail loans, fostering financial inclusion. |
Top clients or who we serve Retail customers, SMEs, corporates, agricultural sectors, high net worth individuals, and digital banking users (B2C and B2B). |
Key management Not provided due to no exceptionally qualified individuals as per criteria. |
Our journey and innovations Founded in 1920, expanded via mergers in Kerala, listed in 2019, renamed in 2019, and recently migrated to Oracle Flexcube CBS. |
Where we operate India across 16 states and 4 union territories with over 829 branches and 791 ATMs as of FY 2025. |
Top products or what we offer Retail banking, SME banking, corporate banking, gold loans, treasury operations, digital banking solutions. |
Top brands Flagship banking services including comprehensive gold loan portfolio (₹14,094 crore), SME/MSME and retail banking verticals. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily recurring from interest income, fees, and treasury operations; consistent growth in deposits and advances. |
Our industry position Mid-sized private sector bank with 40% promoter stake, over Rs. 47,836 crore assets, CRAR over 22%, and steady profitability. |
Financial highlights FY25: Total assets ₹47,836 Cr, Deposits ₹36,861 Cr, Net Advances ₹31,507 Cr, Net Profit ₹594 Cr, ROE 15.44%. |
Geographical revenue split Predominantly Indian revenue from diversified pan-India operations with strong Kerala roots. |
Order book - |
Whats driving growth Pan-India branch expansion, investment in technology (Core Banking migration), focused product suite growth (gold loans, SME, retail). |
Our future plans Scale phase from FY27 aiming to become a new age, mid-sized national bank via innovation, ecosystem partnerships, and enhanced customer centricity. |
Our green promise Focus on energy efficiency, digital initiatives, and sustainable lending practices integrating ESG assessments. |
Our people and values Strong employee learning culture with 100% participation and over 215,000 training hours, emphasizing inclusion and professional growth. |
Key challenges ahead Managing liquidity constraints, maintaining asset quality amid industry risks, and technology upgrade stabilization. |
Interesting facts One of the oldest private banks in Kerala, pioneer in mechanized banking from 1975, and recently upgraded core systems fully to Flexcube. |
Risks and strategy Risk managed via robust policies, enhanced governance, and vigilant fraud prevention while pursuing growth with prudent capital adequacy. |
