CSB Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Bulk deposits comprise ~52% of term deposits and ~40% of total deposits. While management claims no liquidity risk due to well-planned tenors and LCR of 123%, this creates inherent funding cost pressure and NIM compression risk.
SME segment experiencing elevated and unpredictable slippages (96cr in Q1, ~60cr in Q4, ~200cr in Q3). Management attributed to environmental challenges but acknowledged this is unusual. Upgradation pattern (80cr in Q4 last year) creates earnings volatility.
Gold loan disbursements declined significantly QoQ due to regulatory implementations (end-use monitoring, documentation) and falling gold prices reducing top-up motivation. LAS (loan against securities) book runoff from 2,100cr to 60cr post RBI directive.
Technology platform implementation was delayed by 2.5 years, pushing back retail franchise building timeline. Management now claims completion but retail liability acquisition and transaction banking capabilities are still being built, creating execution risk in scaling new business lines.
