Q1-FY27 · Pallay Mandal
We want to ensure that we become a holistic bank just not a gold bank which has been an objective for our SBS 2030 and hence eventually this 54% will have a glide path internally going towards somewhere around 30% by 2030.
CSBBANK / language trends
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CSB Bank · tone and specificity signals across the available quarters.
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Language signals
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Q1-FY27 · Pallay Mandal
We have to have a tactical play to ensure we manage cost, we manage NIM. Many parameters have to be managed in between. Funding challenges came because we are not a great CASA franchise. So all that we have navigated in difficult periods.
Q1-FY27 · Pallay Mandal
On gold loan, it has come down from 12 something to 11.81. So those things can happen a little bit here and there. There is no specific reason because we didn't decrease the gold yields. It could be just a mix of some products, businesses.
Q1-FY27 · Pallay Mandal
Fairfax has left the decision to the management to decide how to run the bank. We are not on the real street. We are business guys. So we know how to run business.
Q3-FY26 · Pallay Mandal
I think this is the peak of our slippage and NPA in my view.
Q3-FY26 · Pallay Mandal
Our endeavor is to have core fee income somewhere around 14 to 15% and overall fee income somewhere around 19 to 20%.
Q3-FY26 · Pallay Mandal
We are not a very large bank. When you are a large bank you have to look at the systemic issues. For us a much more prudent way of looking at it is every account basis.
Q4-FY26 · Praveen Mandal
We have sort of every time performed what we had predicted and that requires lot of confidence on what we are doing and in terms of execution what we have done.
Q4-FY26 · Praveen Mandal
The retail journey is starting now, that's the honest answer, and we know how to execute it and take it forward.
Q4-FY26 · Praveen Mandal
We are not here to build asset book. We are here to build a franchise where liability comes first and assets follows.