CSBBANK / Q4-FY26 / claim-ledger

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CSB Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ4-FY26 · 2026-04-??Back to quarter ↗

Questions audited

Answered directly

58%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Suraj Das · Sundaram Mutual Fund

partial

Why is LCR declining and impact of new guidelines?

On the LCR we ended average at around 109%... we targeted 110, we ended with 109 because in the last moment something happened... LCR is not our function at this point of time because we are significantly higher than these levels at this time.

Suraj Das · Sundaram Mutual Fund

partial

Why is wholesale deposit share rising and cost implications?

Yes, it is around 50% of our overall term deposits. It is a tactical play... we locked in ourselves only for short period of wholesale... this tactical play will play out.

Suraj Das · Sundaram Mutual Fund

partial

Strategy for gold loan customer acquisition and tonnage growth?

Number of accounts went down because we moved to larger ticket sizes... tonnage growth will go up once gold prices come down... we are sitting off fair bit of margin in terms of risk.

Suraj Das · Sundaram Mutual Fund

partial

How is NRI deposit flow trending post West Asia crisis?

In the short run there has been little bit of a disruption flow on the NRI flow... but these are short-term things... we have created a separate vertical for NRI business.

Akshit Agraal · Smith's Institutional Research

evasive

Progress on retail asset transformation and FY27 growth expectations?

We are fast focusing on retail liability... meaningful growth will retail assets will start from FI28 onwards... you will not see a meaningful growth on the retail asset side.

Akshit Agraal · Smith's Institutional Research

direct

Drivers of fee income and PSLC income this quarter?

I confirm there has been no syndication fee in Q4. And frankly PSLC premium was very very low in Q4... significantly lower than what we booked in Q4 of last year.

Akshit Agraal · Smith's Institutional Research

direct

Cost to income ratio trajectory and headcount reduction?

On the CTI I always said that we 60 to 65 till FY end of FY27... FY28 onwards the operating leverage will kick in... our CTI will remain between 60 to 65.

Parth (Parka) · 361 Capital

evasive

What is the impact of ECL on transition day?

At a high level... the transition impact is not a significant number for us at the moment... subject to any significant changes which happen to the model.

Parth (Parka) · 361 Capital

partial

Why have gold loan yields increased recently?

We are now looking at larger ticket sizes... we said that we must maximize returns... we are actually underpricing us so far in this business.

Vibour Tala · Nest Amplifier

direct

Why is retail asset growth taking so long despite liability advantage?

Our core system migration... started only in FI25... the retail journey is starting now... we are not shifting the goal post from FI30 to FI32 or FI33.

Punit Balani · Dollar Capital

partial

Why is NII growth only 2% QoQ despite 9% loan growth?

Our yields has fallen little bit in Q4 and cost of deposits has gone up slightly which has impacted the need... the difference between cost of funds and yields is little more than what it meets the eye.

Narendra Gandhi · Dante Equity

direct

What are the loan growth and ROA/ROE targets for next year?

I think 25% is something we'll be disappointed if we don't do that... our overall range of somewhere around 1.5% and overall range somewhere around 15% of roe that will sustain.