Sustained deposit cost pressure
System-wide deposit growth lags credit growth, keeping deposit rates high and pressuring NIMs.
CSBBANK / Q3-FY26 / risks
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CSB Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
SME slippage recurrence from tariff impacts
Analyst raised concern about tariff-affected sectors; management acknowledged exposure but expects no further material slippages.
High bulk deposit reliance
Bulk deposits constitute 46-47% of total deposits, making cost of funds sensitive to liquidity changes.
Technology cost drag on profitability
Technology costs remain elevated at 8-9% of opex, delaying cost-to-income improvement until FY28.