'CSB Bank conducted a conference call 28 January 2026 to discuss its financial results for the quarter ended December 2025. Pralay Mondal, MD&CEO of the bank addressed the call:
Highlights:
The profit of the bank was flat at Rs 153 crore in Q3FY2026 over a year ago. The operating profit has jumped 32% yoy to Rs 292 crore in Q3FY26.
On the asset side, the advances registered growth 29% again double the system. The bank continues to outperform the industry growth trends in respect of both deposits and advances. The deposit portfolio grew 21% and advances increased 29% at end December 2025.
Both gold loan and wholesale banking verticals contributed significantly to advances growth registering a growth of more than 40%.
In line with the regulatory requirement, the bank has degrown loan against security which is primarily gold loan negatively impacting the overall growth in the retail portfolio.
Gold loan LTV was 63-64% now it has reduced...
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