• Growth guidance: CSB Bank is maintaining its guidance of around 25% overall business growth for the year, supported by a 26% year-on-year increase in both assets and deposits alongside 47% growth in gold loans.
• CASA trajectory: The CASA ratio is expected to stay around 19% for the current year before rising from next year through 2030 as current account and savings acquisition channels expand following a technology transformation.
• NIM and liquidity: Margins are guided to remain broadly flat between 3.75% and 3.85%, supported by lower cost of funds and comfortable liquidity across LCR, NSFR, excess SLR, and foreign currency borrowings.
• Asset mix: The bank plans to maintain its gold loan mix at around 50%, with wholesale and SME lending expected to accelerate in the latter half of the year to support target asset growth.