CSB Bank Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Q3 FY26GNPA to remain below 2%Active
Management expects GNPA to stay below 2% and improve in Q4/Q1 FY27 through upgrades and recoveries.
Q3 FY26ROA target of 1.5% and ROE of 15% by FY27TrackedManagement aims to achieve ROA of 1.5% and ROE of 15% in FY27, with gradual improvement.
Q4 FY26Loan growth target of ~25% in FY27ActiveManagement expects to maintain similar or faster loan growth than FY26, contingent on deposit franchise build.
Margins
Q3 FY26NIM to stay in 3.7-3.9% rangeActive
Net interest margin is expected to remain between 3.7% and 3.9%, not crossing 4%.
Q3 FY26Cost-to-income to remain ~60% for next yearTrackedCost-to-income ratio will stay elevated around 60% for another year before declining sharply from FY28.
Q4 FY26NIM to remain in 3.75%-4.0% rangeActiveNet interest margin expected to stay within this band despite business mix changes.
Q4 FY26Cost-to-income ratio to stay 60-65% till FY27TrackedOperating leverage expected to kick in from FY28 onwards as technology investments bear fruit.