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INVESTOR PRESENTATION Q2-FY26
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Engineered to Build Empowered to Scale
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Company Overview 4 Strategy 11 Business Overview 15 Financials 21 Digital Penetration 31 ESG 33 Awards 34 What's Inside
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Y-o-Y : Q2 FY26 v/s Q2 FY25 ₹ 50,021 Cr Balance Sheet Size 27% Y-o-Y ₹ 34,712 Cr Gross Advances 29% Y-o-Y ₹ 39,651 Cr Deposits 25% Y-o-Y ₹ 74,363 Cr Total Business 27% Y-o-Y ₹ 424 Cr Net Interest Income 15% Y-o-Y Total Income ₹ 1,458 Cr 37% Y-o-Y ₹ 349 Cr Non Interest Income 75% Y-o-Y Capital Adequacy Ratio 20.99% Q2-FY25 22.74% Net NPA Q2-FY25 0.69% 0.52% Q2-FY25 1.50% 1.33% ROA ₹ 160 Cr 16% Y-o-Y Profit After Tax Performance Highlights – Q2 FY26 4 3.81% Q2-FY25 4.30% NIM Company Overview
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Driven by Purpose, since 1920 CSB Bank endeavors to be a leading bank striving to excel in bringing products that satisfy the needs of targeted client segments, backed by excellent service – through our branches and technology driven initiatives in a compliant and regulated manner. For our employees, we want to create a culture of pride – driven by performance and productivity that should eventually result in sustainable growth in business and deliver superior returns to our shareholders. Vision Journey began in November 1920 Oldest private sector bank in Kerala Offer products and services across Personal Banking, Loans and Advances, Corporate Banking, Digital Banking Promoted by FIH Mauritius Investments Ltd, an entity backed by Fairfax Group Focus on comprehensive financial needs of ▪ Retail customers ▪ MSME customers ▪ Corporate Clients ▪ Agricultural Sectors ▪ Microfinance and Underbanked Segments ▪ High-Net-Worth Individuals (HNIs) ▪ Digital Banking Customers 5Company Overview
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Robust Network, Extensive Reach Metropolitan Urban Semi-Urban Rural Grand Total Population Sept. 2024 Sept. 2025 No. of Branches 201 160 377 64 802 224 165 387 62 838 *Of which Delhi (4%), Telangana (4%), Gujarat (3%) State Kerala Tamil Nadu Andhra Pradesh Maharashtra Karnataka Others Sept. 2024 Sept. 2025 % Distribution 34 17 12 11 7 32 16 13 11 7 *19 *21 2(2) 12(12) 35(35) 14(14) 12(13) 1(1) 17(17) 10(10)25(25) 32(29) 91(90)1(1) 1(1) 4(4) 3(3) 108(105) 58(53) 134(137) 270(251) 8(7) Kerala Tamil Nadu Maharashtra Andhra Pradesh OthersKarnataka 30% 21%20% 6% 5% 18% 27% 30%6% 17% 10% 10% 40% 16% 23% 4% 3% 14% 19% 26% 16% 9% 7% 23% Total Business Gold Loans 6 Legend: Branches (ATM) Company Overview Total Deposits Gross Advances
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Shareholding Pattern Category No of Shareholders No of Share Held (in Mio) % Of holding FIHM - Promoter 1 69.39 40.00% Mutual Funds 16 23.98 13.82% Foreign Portfolio Investors 95 24.68 14.23% CSB ESOS Trust 1 4.15 2.39% Alternate Investment Funds 16 3.72 2.14% Others (incl. non- resident Indians, body corporates, resident individuals) 64,625 47.57 27.42% Total 64,754 173.49 100% 7 40.00% 13.82% 14.23% 2.39% 2.14% 27.42% FIHM - Promoter Mutual Funds Foreign Portfolio Investors CSB ESOS Trust Alternate Investment Funds Others Q2 FY26 Company Overview
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Our Board of Directors He is the Non-Executive Independent Chairperson of the Bank since May 9, 2025. He was a central banker with a career spanning about 33 years in RBI in various capacities and retired as Executive Director in August 2014. He was associated with various working groups and committees constituted by the government and represented the RBI as a member /Chairman/ Convenor of these various working groups and committees. He was the convenor of the Government of India Task Force to set up the Resolution Corporation under the Indian Financial Code. Post-retirement, he was an advisor to the RBI on the bank licensing process. He is the Managing Director & CEO of the Bank since September 15, 2022. He has over 35 years of experience in leading banking companies across multiple business segments and functions, including retail assets, retail liabilities, business banking, products and technology. His achievements include pioneering efforts in doorstep banking and direct sales, creating deep geography distribution, and building and scaling up of retail businesses. He had played a pivotal role/s in leading banks such as Axis Bank, Yes Bank, HDFC Bank and Standard Chartered Bank. Mr. Sumit Maheshwari Non-Executive Director He is the Managing Director & CEO of Fairbridge Capital since May 2018, playing a pivotal role in sourcing, evaluating, negotiating and executing investment opportunities. A seasoned investment professional with deep experience in both private and public Indian companies, Mr. Sumit manages over $7 billion in Indian investments for Fairfax Financial Holdings and Fairfax India Holdings. Mr. Sumit also serves on the boards of various Fairfax portfolio companies. She has over three decades of association with the Network of Price Waterhouse firms in India in various capacities, including the roles of Head of Audit and Head for Risk & Quality, till she retired in 2019. She was appointed as the Diversity & Inclusion Leader for the PwC Global network and was on the Global Leadership Team and the Global Human Capital Team. Mr. Biswamohan Mahapatra Non-Executive Independent Chairperson Mr. Pralay Mondal Managing Director & CEO He is the Executive Director of the Bank since March 15, 2024. He has over 37 years of banking experience spanning various spheres. Before being appointed as Executive Director, he worked at the Bank as CFO for a little over 3 years and as Head of Strategy and Corporate Legal for almost 9 months. Prior to joining the CSB Bank, he was the Executive Director of Central Bank of India for a period of five years, from January 23, 2014. He worked closely in finance, credit, priority sector lending, balance sheet management, profit planning & forecasting, capital raising programme, investor relations, credit monitoring, recoveries, operations, Treasury, internal audit, risk management, and transaction banking. Mr. B K Divakara Executive Director Ms. Sharmila Abhay Karve Independent Director Company Overview 8
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Company Overview Our Board of Directors He has over 40 years of professional experience, both in India and overseas. He was the former Managing Director of GRUH Finance Ltd., which was merged with Bandhan Bank. He has expertise in the mortgage finance business and skilled in lending business. He was the recipient of the ‘Business Leader – Financial Services’ Award for the year 2015 from the Institute of Chartered Accountants of India, New Delhi. Mr. Sudhin Choksey Independent Director 9 He has over 30 years of experience in banking and had held almost all the leadership positions in ICICI Bank technology group. He was the Chief Technology Officer of Bank of Baroda, and as the Head of IT of Bank of Baroda, he successfully led the bank merger of erstwhile Vijaya Bank and erstwhile Dena Bank with Bank of Baroda. Mr. Sharad Kumar Saxena Independent Director She is an economist with research and practitioner experience on macroeconomic policies and issues. She is currently the Senior Fellow, at the Centre for Social and Economic Progress (CSEP) an independent, public policy think tank based in New- Delhi. She has previously worked with the RBI, the IMF, including ICRIER and the Institute of Economic Growth. Ms. Renu Kohli Independent Director He is an experienced banker with an impressive career spanning over four decades in top banking institutions in the country, viz., State Bank of India, HDFC Bank and Axis Bank. His expertise extends to credit decision-making, credit underwriting, and monitoring of large credit exposures. He also has expert knowledge in banking, including relevant policy matters. Mr. Deepak Maheshwari Independent Director Mr. DN Narasimha Raju Independent Director He was a Karnataka cadre IAS officer of 1984 batch. During his career, he held key positions at both central and state government levels, including Principal Secretary to the Chief Minister of Karnataka and Joint Secretary in the Ministry of Petroleum and Natural Gas. He also served on the boards of various public sector undertakings. Note - Mr. Madhavan Menon ceased to be a Non-Executive Non-Independent Director of the Bank effective October 20, 2025, upon completion of his tenure of appointment.
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Our Strong Leadership Team Experience of Executives 10Company Overview Pralay Mondal Managing Director & CEO B K Divakara Executive Director Narendra Kumar Dixit Head - Retail Banking 35+ Satish Gundewar Chief Financial Officer Manish Modi Head - Wholesale Banking Shyam Mani Head - MSME Rajesh Choudhary Chief Technology Officer Manish Agarwal Chief Credit Officer Alok Singh Head-Treasury Ajith Jose Chief Compliance Officer Satyendra Sharma Chief Risk Officer Punit Saruparia Head - Internal Audit Jaikumar S. Chief Internal- Vigilance Officer Sijo Varghese Company Secretary Chinmay Adhikari Chief Human Resource Officer Raju Kumar Ojha Head– Planning & Execution K Chandrashekhar Head- Operations 37+ 30+ 30 + 29+ 28+ 30 + 27+ 26+ 29+ 31+ 22+ 33+ 40+ 22 + 25+ 19+
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Driven by SBS 2030 11Strategy Launched in March 2022 Long-term vision of becoming a mid-sized new age bank with a national presence by 2030 Rolled out in three phases: Sustain, Build, and Scale Sustain Core Strengths Build Platforms for Future Scale Execute with Guardrails Sustain and Build Phase (Till FY26) ▪ Establish a robust Pan-India operational footprint ▪ Develop an advanced, next-generation technology platform ▪ Diversify and enhance our product portfolio ▪ Build a strong and sustainable liability franchise ▪ Maintain strategic emphasis on the gold loan segment ▪ Drive process optimisation and re-engineering initiatives ▪ Fortify the risk management framework for enhanced resilience
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Driven by SBS 2030 (contd.) 12Strategy Scale Execute with Guardrails Building for Scale Phase (FY27 to FY30) ▪ Transition into a cutting-edge, full-service private sector bank ▪ Enhance our product suite to cater to diverse customer segments ▪ Place customer centricity at the core of all operations ▪ Foster innovation and collaboration as key growth drivers ▪ Build a connected ecosystem through strategic partnerships and alliances ▪ Focus on delivering sustained value creation
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Driven by SBS 2030 (contd.) 13Strategy Key Enablers Building Infrastructure in Physical, Hybrid, and Digital Good Governance Structure Robust and Efficient Customer-Centric Process Clear Executable Strategy Strong Leadership Board Support and Guidance Innovation, Agility, and Digitalisation Growth-Oriented Policy Key Objectives Growth in granular liability franchise with ever-improving CASA Ratio Focus on strong operating performance with consistency Major investments in the initial 3-4 years with a defined payback period Well-capitalised bank with an adequate liquidity buffer to manage economic and credit cycles Enhance coverage, create segmentation, and whitelist opportunities in wholesale business Focus on asset quality, risk management, and strong collection framework Prudent treasury investment strategy viz. wholesale funded book growth with the right balance of risk vs. return Well-diversified retail book to manage cycles Relentless focus on fee business and non-interest income earnings
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Driven by SBS 2030 (contd.) Our Pillars 14Strategy Human Capital Governance Customer service Compliance Technology
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5,734 17% 4,376 13% 8,146 23% 16,456 47% Gross Advances Advances 26,871 28,915 31,842 32,944 34,712 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Gross Advances Mix* 5,332 20% 3,429 13% 6,105 23% 12,005 44% Q2 FY25 RetailBusiness Lending Group (BLG)Gold Wholesale 15 (₹ crore) Q2 FY26 * Internal Classification Business Overview
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Business Overview Book size Portfolio Quality Tonnage No. of Accounts (in lakhs) Gold Loan Portfolio 12,005 13,018 14,094 14,928 16,456 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 23.72 24.67 Q2 FY25 Q2 FY26 4.96 4.06 Q2 FY25 Q2 FY26 Yield 11.77%* GNPA% 0.29% LTV 63% Tonnage 24.67 T 16 * Portfolio yield for Q2 FY26 (₹ crore)
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Disbursements 17 9989 8652 73118099 5752 1186 1360 1954977 975 1338 1702 1938 1570 1495 488 374 797 539 470 Q2 FY26 Q1 FY26 Q4 FY25 Q3 FY25 Q2 FY25 Gold Wholesale Retail BLG(₹ crore) 50% Y-o-Y 130011208812000111858692 Business Overview
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Investments Yield on Investments HTM 39.49% AFS 58.72% FVTPL 1.79% M Duration FVTPL AFS HTM Total 6.50 5.30 4.97 5.19 18 (₹ crore) 10,7998,370 10,132 11,389 11,150 Net Investments 7,885 9,714 10,875 10,554 10,059 485 418 514 596 740 SLR Investments Non-SLR Investments Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 6.91% 6.80% 6.94% 6.63% 6.73% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Business Overview H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 6.20% 5.93% 6.42% 6.86% 6.68%
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Business Overview 38% 39% 43% 41% 46% 62% 61% 57% 59% 54% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Bulk Deposit Retail Deposit Total Deposits Deposits ₹ Term Deposit Mix* CASA Mix 21.32% 24.82% 25.97% 21.43% 20.83% 78.68% 75.18% 74.03% 78.57% 79.17% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 CA SA 19 (₹ crore) 31,840 33,407 36,861 35,935 39,651 24.09% 24.07% 24.19% 23.49% 21.17% * Excl. CD 8,3948,4418,9188,0427,670 31,257 27,49427,943 25,36524,170 Q2 FY26 Q1 FY26 Q4 FY25 Q3 FY25 Q2 FY25 CASA Term Deposits
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19%20%21% 21%22% 71%67%66%67%71% 10%13% 13%12%7% Q2 FY26 Q1 FY26 Q4 FY25 Q3 FY25 Q2 FY25 CASA TD Borrowing₹ Instrument Rating Tier II Bonds (Under Basel III) CRISIL A/ Stable IND A/Positive Short Term Fixed Deposit CRISIL A1+ Certificate of Deposit CRISIL A1+ Credit Rating Funding Funding Mix 20Business Overview
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199 219 381 245 349 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 200 221 317 220 279 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Net Interest Income Non Interest Income Operating Profit Key Performance Matrix 138 152 190 119 160 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Net Profit 21 324 312 356 373 500 H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 546 636 708 729 803 H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 180 235 265 252 279 H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 131 100 262 371 594 H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 (₹ crore) Financials 367 375 371 379 424 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26
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Financials 6.09% 6.19% 6.32% 6.43% 6.37% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 6.25% 6.32% 6.57% 6.62% 6.53% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 11.21% 11.06% 10.98% 10.73% 10.95% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Key Performance Matrix (contd.) 4.30% 4.11% 3.75% 3.54% 3.81% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 22 4.43% 4.13% 5.21% 6.17% 6.57% H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 Yield on Advances Cost of Deposits Cost of Funds 11.01% 10.70% 11.04% 11.23% 10.84% H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 5.13% 5.38% 5.12% 4.33% 3.68% H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 Net Interest Margin 4.39% 4.14% 5.11% 6.03% 6.41% H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 (₹ crore)
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Financials 14.53% 15.28% 18.80% 10.90% 14.46% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Return on Assets Return on Equity 1.50% 1.52% 1.79% 1.03% 1.33% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Key Performance Matrix (contd.) 64.66% 62.90% 57.92% 64.70% 63.86% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Cost to Income 23 Credit Cost 1.53% 1.81% 1.76% 1.39% 1.18% H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 52.15% 57.57% 63.30% 66.13% 64.23% H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 17.84% 18.49% 17.08% 13.65% 12.70% H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY22 H1 FY23 H1 FY24 H1 FY25 H1 FY26 0.15% 0.17% 0.57% 0.53% 0.53% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 1.41% -0.12% -0.04% 0.19% 0.53%
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229 236 249 258 261 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Book Value Per Share Key Performance Matrix (contd.) 24 PCR (Incl. w/off) PCR (excl. w/off) 81.49% 81.47% 83.71% 80.46% 84.14% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 84.39% 86.55% 86.38% 91.67% 87.54% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 CD Ratio (Gross) 59.45% 60.12% 67.19% 64.52% 71.62% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Financials
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Key Performance Matrix (contd.) 25 452 458 498 606 629 183 183 164 215 178 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Gross NPA Net NPA 1.68% 1.58% 1.57% 1.84% 1.81% 0.69% 0.64% 0.52% 0.66% 0.52% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Gross NPA (%) Net NPA (%) (₹ crore) (₹ crore) Asset Quality Financials Gross NPA Movement Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Opening Balance of Gross NPA 424 452 458 498 606 Additions 64 62 94 139 94 Sub Total (A) 488 514 552 637 700 Less (i) Upgradations 7 12 7 2 37 (ii) Recoveries 17 29 29 17 29 (iii) Write-Offs 12 15 18 12 5 Sub Total (B) 36 56 54 31 73 Closing Balance of Gross NPA (A -B) 452 458 498 606 629
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Financials Key Performance Matrix (contd.) Capital Adequacy Ratio 21.37% 19.73% 20.59% 19.92% 19.19% 1.37% 1.35% 1.87% 1.79% 1.80% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Tier 1 Tier 2 RWA to Total Exposure 42.39% 41.76% 40.68% 41.26% 40.50% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Liquidity Coverage Ratio* 26 *average 20.99%22.74% 21.08% 22.46% 21.71% 118% 119% 124% 123% 126% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26
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Profit and Loss Account 27 (₹ crore) Particular Q2 FY26 Q1 FY26 Q2 FY25 QoQ YoY Interest Income 1,109 1,041 865 7% 28% Interest Expense 685 662 497 4% 38% Net Interest Income 424 379 367 12% 15% Treasury Profit 6 53 29 -88% -78% Fee income 343 192 170 79% 101% Net Operating Income 773 624 567 24% 36% Staff Cost 228 221 185 3% 23% Other Opex 266 183 182 45% 46% Total Opex 494 404 367 22% 35% Operating Profit 279 220 200 27% 39% Provision for NPA 55 57 6 - 4% 890% Other Provisions 8 3 8 133% 7% Total Provisions 63 60 14 5% 358% Profit Before Tax 216 160 186 35% 16% Tax 56 41 48 35% 15% Profit/Loss After Tax 160 119 138 35% 16% Financials
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Profit and Loss Account Particular H1 FY26 H1 FY25 YoY Interest Income 2,150 1,697 27% Interest Expense 1,347 967 39% Net Interest Income 803 729 10% Treasury Profit 59 48 23% Fee income 535 323 66% Net Operating Income 1,397 1,101 27% Staff Cost 449 362 24% Other Opex 448 366 22% Total Opex 897 728 23% Operating Profit 500 373 34% Provision for NPA 112 26 331% Other Provisions 13 8 59% Total Provisions 125 34 266% Profit Before Tax 375 339 11% Tax 96 87 10% Profit/Loss After Tax 279 252 11% 28 (₹ crore) Financials
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Liabilities Sept. 30, 2025 June 30, 2025 Sept. 30, 2024 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 4,527 4,466 3,967 1% 14% Deposits 39,651 35,935 31,840 10% 25% Of which CASA 8,394 8,441 7,670 - 1% 9% Borrowings 4,326 5,340 2,347 - 19% 84% Other Liabilities & Provisions 1,343 2,665 1,136 - 50% 18% Total 50,021 48,580 39,464 3% 27% Assets Cash & Balance with RBI 2,420 3,360 3,037 - 28% -20% Balance with Banks Money at call & Short Notice 1,009 122 280 727% 261% Investments 10,799 11,150 8,370 - 3% 29% Advances 34,262 32,552 26,602 5% 29% Fixed Assets 671 648 486 4% 38% Other Assets 860 748 689 15% 25% Total 50,021 48,580 39,464 3% 27% Balance Sheet 29 (₹ crore) Financials
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Financials Balance Sheet Size Gross Advances Deposits 25356 29162 36056 47836 FY22 FY23 FY24 FY25 Key Performance Matrix (contd.) Total Income 30 Profit After Tax ROA Net NPA NIM 16742 20842 24572 31842 FY22 FY23 FY24 FY25 20188 24506 29719 36861 FY22 FY23 FY24 FY25 2285 2635 3512 4569 FY22 FY23 FY24 FY25 459 547 567 594 FY22 FY23 FY24 FY25 1.90% 2.06% 1.79% 1.53% FY22 FY23 FY24 FY25 0.68% 0.35% 0.51% 0.52% FY22 FY23 FY24 FY25 5.27% 5.48% 5.09% 4.13% FY22 FY23 FY24 FY25 (₹ crore)
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31 Technology Transformation @ CSB Bank Technology Infrastructure Transformation 1. Four new Datacenters have been built and commissioned. 2. Private Cloud is built, and the Core Banking load is run on this. 3. All Bank Branches have been provided with resilient high network bandwidth for running the business. 4. Infrastructure Transformation Programme has replaced the Datacenter hardware with modern cutting-edge technologies. 5. Technology Command Center has been setup in Turbhe, Navi Mumbai to monitor and control the entire technology estate. 6. New Enterprise Backup Solution is under Implementation. Planned delivery by Q4 FY26. Core Systems Transformation 1. Bank is now on a New Core Banking System (Flexcube) including Payment System, Virtual Account Management, Digital Channels (Mobile Banking, Internet Banking) and Trade Finance. 2. New Finance System, Oracle General Ledger is live. 3. New Risk Management System, Oracle OFSAA is under implementation and will be ready in Q4 FY26. 4. New Oracle Loan Management System (Gold – Live , Agri and Vehicle – under implementation) Planned delivery by Q4 FY26. 5. New Corporate Channel (Mobile and Internet), Trade Finance (Internet) is under implementation. Planned delivery by Q4 FY26. Surround Systems Transformation 1. New Digital Customer Onboarding system, New HR System, New Compliance System, New Digital Call Center, New Lead Management System, Corporate and SME Lending Systems are live. 2. Retail Lending systems for Gold, Two-Wheeler, PL, LAP, EL, HL, AL are live. 3. Enterprise Service Bus and API Ecosystem is live for system integration and Partners Integration. Dedupe Posidex live for all onboarding systems. 4. New Retail and Corporate Onboarding System is under implementation. Planned delivery by Q4 FY26. 5. Wholesale Banking, Transaction Banking and SME Transformation is in flight (CMS, CBDT, PFMS, GLMS). Planned delivery by Q4 FY26. 6. RegTech Transformation (GRC, Tranche1, Automation) is in flight. Planned delivery by Q2 FY27. Cybersecurity Systems Transformation 1. WAF (Web Application Firewall) is implemented for Application security. 2. Radware DDOS (Distributed Denial of Service) implemented in both DC & DR to detect & mitigate DDOS attacks. 3. To efficiently respond to security threats at end points, we have implemented EDR solution from Checkpoint. 4. Implemented SPLUNK for effective detection & response to Security Incidence. 5. Fraud Risk Management solution is live . CBS, OBDX, UPI systems being monitored. 6. New Early Warning System is live. Digital Penetration
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[ [ Enhancing Digital Footprint [ 32 *for H1 FY25 3,100+ PoS Machine Installations [ [[ 9.57 lakh+ Debit Cards 19,300+ QR Installations673 lakh+ Digital Transaction* 91.75% % of Digital Transaction* 1.75 lakh+ Credit Cards Net Banking Users 6.40 lakh+ 6.40 lakh+ Mobile Banking Users Digital Penetration *for H1 FY26
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ESG Framework 33ESG • Energy Efficiency • Reduction of GHG Emissions • Effluent and Waste Management • Sustainable Procurement Practices • Promotion of Digital Initiatives • ESG impact assessment /scorecard in lending • Climate Risk Assessment/Stress Tests Environmental Social • Employees - We Care through Equality, Diversity, Growth and Inclusion and provide Health/Accident Coverage. • Customers- Customer Centricity /Experience, Grievance Redressal Forum, Feedback Mechanism • Community- CSR Initiatives, Responsible • Banking, Distribution, FI initiatives • Cyber Security- ISO 27001 certification, Policies, Audits, 24/7 FRM cell Governance • ESG /Sustainable Development Policy • Board Oversight/ Diversity/ Stakeholder Engagement • Board/Board Committees comprise of Independent Directors • Minority Shareholder Participation & Protection Mechanisms • Compliance/Vigilance Policies and Framework
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Awards & Recognition 34Awards
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Disclaimer This presentation has been prepared by CSB Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial requirements or informational needs of any particular person accessing the presentation. All information and ana lysis contained has been prepared solely by the Bank basis details available with the Bank. No information contained herein has been subjected to independent verification by the Bank. The users or those who access the presentation are therefore advised to carry out independent verification before relying on the presentation and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or owing to reliance placed on the information contained herein and any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk. This presentation may not be copied, distributed, redistributed or disseminated, directly or indirectly, in any manner. This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in any jurisdiction, including India and the United States. No part of it is intended to form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Further, past performance is not necessarily indicative of future results. This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward-looking statements to reflect future events or developments. Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this presentation. Any opinion, estimate or projection herein holds good only as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law. Figures for the previous period / year have been reg rouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not agree due to rounding off. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. 35
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THANK YOU THANK YOU THANK YOU CSB BANK LIMITED Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur, Kerala 680 020 Tel: +91 487 2333020 Fax: +91 487 2338764 Email: secretarial@csb.bank.in CIN: L65191KL1920PLC000175