CSBBANK

: Why it Deserves a Spot in Your Portfolio💰

🔍 Business Focus: • Strong foothold in gold loans (~35-40% of book) • Lean structure with low cost-to-income ratio • Presence concentrated in South India (Kerala-led) 📈 Financials & Fundamentals: • 🧾 Net Profit (FY24): ₹535 Cr+ (YoY ↑) • 💰 ROE: ~16-17% | ROA: ~1.7% • 📉 Gross NPA: ~1.3% | Net NPA: ~0.3% – Excellent asset quality • 💼 CASA Ratio: ~32% – Improving gradually 🔑 Why CSB? • Niche in gold loans 🪙 • Clean balance sheet 📋 • Fairfax-backed governance ✅ • High potential for geographical expansion 🌍 📌 Bottom Line: A fundamentally strong, undervalued banking bet with high EPS visibility and low NPA risk. Keep on watchlist. What are your thoughts?