CSB Bank says it is getting cautious on gold loans as gold prices turn volatile amid geopolitical tensions. The lender expects slower growth and is reshaping its strategy toward wholesale and SME lending, using digital strengths to support the shift. It plans to keep credit growth steady, with conservative loan to value ratios to manage risk.
CSB Bank’s Q4 profit grew 6% largely because provisions fell, even as the lender faced higher costs and weaker income. Margins improved alongside stronger advances and deposits. Asset quality improved in the quarter versus the previous sequential period, but deteriorated year-on-year, signaling mixed performance despite steady momentum.
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