• Annual growth guidance: CSB Bank achieved approximately 24% year-on-year asset growth and 26% deposit growth, maintaining its full-year guidance of around 25% total business growth despite softer sequential quarterly numbers.
• Gold and retail: Gold loan growth was deliberately moderated during the quarter to avoid risks stemming from gold price fluctuations, while retail growth remained subdued and the wholesale portfolio picked up.
• SME lending outlook: The bank maintained a cautious, risk-averse stance on SME lending due to global crises, currency volatility, and supply chain disruptions. However, it continues investing in SME verticals and teams to reach its target of SMEs accounting for 17–18% of the total loan book by 2030.