GNPA to remain below 2%
Management expects GNPA to stay below 2% and improve in Q4/Q1 FY27 through upgrades and recoveries.
CSBBANK / guidance tracker
Keep management guidance in view.
CSB Bank · forward-looking guidance across the available source record.
Research layer active
Guidance tracker
What management said would happen.
growth
NIM to stay in 3.7-3.9% range
Net interest margin is expected to remain between 3.7% and 3.9%, not crossing 4%.
Cost-to-income to remain ~60% for next year
Cost-to-income ratio will stay elevated around 60% for another year before declining sharply from FY28.
ROA target of 1.5% and ROE of 15% by FY27
Management aims to achieve ROA of 1.5% and ROE of 15% in FY27, with gradual improvement.
Loan growth target of ~25% in FY27
Management expects to maintain similar or faster loan growth than FY26, contingent on deposit franchise build.
NIM to remain in 3.75%-4.0% range
Net interest margin expected to stay within this band despite business mix changes.
Cost-to-income ratio to stay 60-65% till FY27
Operating leverage expected to kick in from FY28 onwards as technology investments bear fruit.
RoA ~1.5% and RoE ~15% sustainable in FY27
Management guided that these profitability metrics will be maintained in the coming year.