Elevated cost-to-income ratio persists
CTI at 62.5% may remain high until FY28 due to ongoing technology and franchise investments, delaying operating leverage.
CSBBANK / Q4-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
medium
Gold loan portfolio concentration and regulatory shifts
Gold loans now 53-54% of advances; regulatory changes or gold price correction could impact asset quality and margins.
Wholesale deposit reliance and LCR pressure
Wholesale deposits form ~50% of term deposits; LCR dipped to 109% in Q4 due to tactical cost management, posing liquidity risk if systemic conditions tighten.
ECL transition impact uncertainty
New ECL norms from April 2027 may require additional provisions; management expects minimal impact but model refresh is ongoing.