CSB Bank Ltd

- There is no explicit mention of any current or planned new fundraising through debt or equity in the provided transcript. - Management emphasizes building the bank based on the SBS 2030 vision with significant investments planned, particularly in technology and retail business growth. - Capex investment is expected to be significant over the next two years, funded primarily through the bank’s profits rather than external fundraising. Pralay Mondal stated they aim to invest an amount roughly equal to annual profits, spread over 3 to 5 years. - On the funding side, the bank maintains strong liquidity, cost of deposits is managed tactically, and there are no indications of immediate capital raising needs. - The focus is on sustainable growth, with prudent capital and liquidity management, including strong CRAR ratios that provide capital protection.

- Significant technology investments planned over the next two years (FY '24 and FY '25), focusing on major system overhauls: core system, LMS, LOS, corporate net banking, API integration, lead management, project management system, etc. - Approximately 70-80% of existing technology architecture will be replaced within two years. - Capex levels aimed to be roughly equivalent to annual profits, spread over 3-5 years, with front-loading expected in FY '24. - Investments not limited to technology but also include distribution, people and leadership (customer acquisition), digital channels, and partnerships. - These investments are viewed as strategic investments with clear payback periods. - The goal is to build a strong franchise aligned with the SBS 2030 vision, targeting improved cost-to-income ratios by FY '30. - Branch expansion includes plans for at least 100 new branches in FY 2024, focusing 60% in North and West regions.

- Retail growth expected to pick up significantly from FY '25, with real scale-up between FY '27 and FY '30. - By FY 2030, retail business expected to constitute 30% of portfolio; gold loans 20%, SME 20%, wholesale and others 30%. - Fee income grew 28% this year despite lower treasury and PSLC income; expected to grow faster than loan growth as credit cards, retail assets, and SME businesses expand. - SME business seen as a major growth engine for the next seven years with momentum starting in current fiscal. - Investments in technology and systems, particularly between FY '24 and FY '25, set to enable faster growth and customer acquisition. - Capex to be equivalent to annual profits, front-ended over FY '24 and FY '25, supporting expansion and scalability. - CASA ratio and deposits expected to grow steadily, supporting liability franchise growth.

- Net profit increased by ~19% YoY to INR 547 crore in FY 2023; Q4 profit up 20% YoY. - Robust credit growth (~31% YoY) supports earnings growth. - Fee income grew 28%, aligned with credit expansion, expected to increase further with retail and SME growth. - Investments in technology, branches, leadership, and channels (FY24-FY25) aim to enhance operating efficiency and scale. - Cost-to-income ratio targeted to improve from 55-60% in short term to 40-45% by FY 2030, aiding profitability. - Credit costs expected below 40 bps and GNPA below 2% over next 3-4 years, supporting stable earnings. - Retail growth to scale significantly after FY 25, leading to higher income streams by FY 27-30. - Strategic focus on pan-India expansion and diversified portfolios positions the bank for sustained earnings growth.

The provided document excerpt does not contain any specific information about the current or expected order book or pending orders for CSB Bank Limited. The discussion primarily revolves around financial performance, technology investments, loan growth, deposit costs, capital adequacy, and strategic plans for expansion and technology upgrades. There is no mention of order book status or pending orders related to the bank's operations or services.