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CSB Bank Ltd
CSB Bank Ltd. provides commercial banking services. The company is headquartered in Thrichur, Kerala. The company went IPO on 2019-12-04. The firm through four business segments: Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The company offers various products and services, including personal banking, non-resident Indian (NRI) banking, Agri/ Financial Inclusion (FI) banking, Small and medium-sized enterprises (SMEs) banking and corporate banking. The firm offers various accounts, such as savings account, current accounts, fixed deposits and safe deposits lockers. The company also offers various loans, including retail loan, two wheeler loans, gold loan and home loan. The company offers various NRI banking solutions, such as Non-Resident Ordinary Accounts (NRO Accounts), Non-Resident (External) Rupee Accounts (NRE), Foreign Currency (Non-Resident) Account (Banks) Scheme (FCNR (B) Accounts) and Resident Foreign Currency Accounts (RFC).
CSB Bank Ltd. provides commercial banking services. The company is headquartered in Thrichur, Kerala. The company went IPO on 2019-12-04. The firm through four business segments: Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The company offers various products and services, including personal banking, non-resident Indian (NRI) banking, Agri/ Financial Inclusion (FI) banking, Small and medium-sized enterprises (SMEs) banking and corporate banking. The firm offers various accounts, such as savings account, current accounts, fixed deposits and safe deposits lockers. The company also offers various loans, including retail loan, two wheeler loans, gold loan and home loan. The company offers various NRI banking solutions, such as Non-Resident Ordinary Accounts (NRO Accounts), Non-Resident (External) Rupee Accounts (NRE), Foreign Currency (Non-Resident) Account (Banks) Scheme (FCNR (B) Accounts) and Resident Foreign Currency Accounts (RFC).
Profit Growth: Net profit reached INR 160 crores, rising 16% year-on-year and 35% quarter-on-quarter.
Strong Advances & Deposits: Advances grew 29% YoY and deposits 25% YoY, both outpacing industry growth rates.
Margins Up: Net interest margin (NIM) improved to 3.81%, up 27 bps sequentially; management expects stabilization in the 3.7–3.9% range.
Asset Quality: GNPA and NNPA ratios improved to 1.81% and 0.52%; PCR strengthened, driven by accelerated provisioning.
Fee Income Surge: Other income jumped 75% YoY and 43% QoQ, mainly from granular, sustainable sources such as processing fees and insurance.
Cost Control & Tech Investments: Cost-to-income ratio slightly improved to 63.86% despite higher OpEx from tech transformation; cost-to-income expected to remain 60–65% for another year.
Guidance & Outlook: Expect 25–30% asset growth for several years, credit cost to remain in the 40–50 bps range, and gold loans to comprise 25–30% of assets by 2030.
