Archive · 23 Jul 2026
CSB Bank Focuses on Wholesale Banking Growth
CSB Bank is planning to grow its loans faster than other banks by focusing on wholesale banking and lending to businesses.
The bank's CEO, Pralay Mondal, explained that even though loan disbursements dropped in the last quarter, it was due to technical reasons and not because of less demand.
The bank expects to grow by lending more to large companies and commercial clients, while reducing its focus on financial markets.
They also plan to open more branches across India.
The bank is confident about maintaining good asset quality and low credit costs.
CSB Bank aims to grow loans 30-50% faster than the banking system.
Wholesale banking and the Business Lending Group (BLG) portfolio will drive growth.
The wholesale book will shift towards large corporates and commercial banking.
Slippages and credit costs increased but are expected to moderate.
The bank plans to open 40-50 branches annually for pan-India expansion.
- Who
- CSB Bank, Pralay Mondal (MD and CEO)
- What
- CSB Bank's strategy to drive loan growth through wholesale banking and the Business Lending Group (BLG) portfolio.
- When
- Current and future quarters, with specific targets for FY27 and FY28.
- Where
- India, with a focus on pan-India expansion.
- Why
- To achieve 30-50% faster loan growth than the banking system and improve asset quality.
Optimistic Growth Outlook
Potential Credit Risks
Loan Growth Strategy
Optimistic Growth Outlook
CSB Bank expects to grow loans 30-50% faster than the banking system, driven by wholesale banking and the Business Lending Group (BLG) portfolio.
Potential Credit Risks
The bank has seen increased slippages and credit costs, particularly in gold loans and SME accounts, which could pose risks.
- Expected Loan Growth
- 30-50% faster than the banking system
- Wholesale Book Segments
- Large corporates, commercial banking, financial markets
- Expected Financial Markets Share
- 30% by FY27, 25% by FY28
- Gross NPA Guidance
- Below 2%
- Net NPA Guidance
- Below 1%
- Credit Cost Guidance
- Below 50 basis points
- Branch Expansion Plan
- 40-50 branches per year