Slides
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INVESTOR PRESENTATION Q3-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 : Q3 FY26 v/s Q3 FY25 ₹ 53,508 Cr Balance Sheet Size 24% Y-o-Y ₹ 37,161 Cr Gross Advances 29% Y-o-Y ₹ 40,460 Cr Deposits 21% Y-o-Y ₹ 77,621 Cr Total Business 25% Y-o-Y ₹ 453 Cr Net Interest Income 21% Y-o-Y Total Income ₹ 1,431 Cr 26% Y-o-Y ₹ 276 Cr Non Interest Income 26% Y-o-Y Capital Adequacy Ratio 19.41% Q3-FY25 21.08% Net NPA Q3-FY25 0.64% 0.67% Q3-FY25 1.52% 1.22% ROA ₹ 153 Cr 1% Y-o-Y Profit After Tax Performance Highlights – Q3 FY26 4 3.86% Q3-FY25 4.11% 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 Dec. 2024 Dec. 2025 No. of Branches 207 161 379 60 807 230 166 388 62 846 *Of which Delhi (4%), Telangana (4%), Gujarat (3%) State Kerala Tamil Nadu Andhra Pradesh Maharashtra Karnataka Others Dec. 2024 Dec. 2025 % Distribution 34 16 12 11 7 32 16 13 11 7 20 *21 2(2) 12(12) 35(35)15(14) 12(13) 1(1) 17(17) 11(11)25(25) 32(31) 93(91)1(1) 1(1) 4(4) 3(3) 108(105) 59(53) 137(139) 270(253) 8(7) Kerala Tamil Nadu Maharashtra Andhra Pradesh OthersKarnataka 29% 20% 19% 6% 6% 20% 26% 31%6% 17% 10% 10% 40% 15% 23% 4% 4% 14% 18% 25% 15%9% 7% 26% 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 14 22.70 13.08% Foreign Portfolio Investors 98 24.56 14.16% CSB ESOS Trust 1 4.08 2.35% Alternate Investment Funds 16 4.19 2.42% Others (incl. non- resident Indians, body corporates, resident individuals) 62,937 48.56 27.99% Total 63,067 173.48 100% 7 40.00% 13.08% 14.16% 2.35% 2.42% 27.99% FIHM - Promoter Mutual Funds Foreign Portfolio Investors CSB ESOS Trust Alternate Investment Funds Others Q3 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 Ms. Sheetal Rupesh Sancheti Non-Executive Director She has been associated with Fairbridge Capital Private Limited since April 2019 in the capacity of Vice President, where she plays a pivotal role in monitoring the portfolio investments held by Fairfax India Holdings Corporation, a Toronto-listed entity, across its Indian investments. A Chartered Accountant with over 20 years of diversified experience across private equity, banking and audit, Ms. Sheetal brings proven expertise in investment monitoring, regulatory compliance, financial reporting, and corporate governance. 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. 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.
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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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4,821 13% 4,417 12% 8,903 24% 19,020 51% Gross Advances Advances 28,915 31,842 32,944 34,712 37,161 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Gross Advances Mix* 5,849 20% 3,692 13% 6,356 22% 13,018 45% Q3 FY25 RetailBusiness Lending Group (BLG)Gold Wholesale 15 (₹ crore) Q3 FY26 * Internal Classification Business Overview
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Business Overview Book size Portfolio Quality Tonnage No. of Accounts (in lakhs) Gold Loan Portfolio 13,018 14,094 14,928 16,456 19,020 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 24.44 24.66 Q3 FY25 Q3 FY26 4.89 4.16 Q3 FY25 Q3 FY26 Yield 11.83%* GNPA% 0.25% LTV 63% Tonnage 24.66 T 16 * Portfolio yield for Q3 FY26 (₹ crore)
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Disbursements 17 14981 9989 8652 73118099 1433 1186 1360 1954977 508 1338 1702 1938 1570 436 488 374 797 539 Q3 FY26 Q2 FY26 Q1 FY26 Q4 FY25 Q3 FY25 Gold Wholesale Retail BLG(₹ crore) 55% Y-o-Y 1735813001120881200011185 Business Overview
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Investments Yield on Investments HTM 37.11% AFS 60.70% FVTPL 2.18% M Duration FVTPL AFS HTM Total 6.77 5.39 4.82 5.20 18 (₹ crore) 11,37610,132 11,389 11,150 10,799 Net Investments 9,714 10,875 10,554 10,059 10,585 418 514 596 740 791 SLR Investments Non-SLR Investments Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 6.80% 6.94% 6.63% 6.73% 6.73% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Business Overview 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 6.01% 6.05% 6.43% 6.84% 6.70%
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Business Overview 39% 43% 41% 46% 47% 61% 57% 59% 54% 53% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Bulk Deposit Retail Deposit Total Deposits Deposits ₹ Term Deposit Mix* CASA Mix 24.82% 25.97% 21.43% 20.83% 21.08% 75.18% 74.03% 78.57% 79.17% 78.92% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 CA SA 19 (₹ crore) 33,407 36,861 35,935 39,651 40,460 24.07% 24.19% 23.49% 21.17% 20.55% * Excl. CD 8,3168,3948,4418,9188,042 32,14431,257 27,49427,943 25,365 Q3 FY26 Q2 FY26 Q1 FY26 Q4 FY25 Q3 FY25 CASA Term Deposits
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18%19%20%21%21% 68%71%67%66%67% 14%10%13% 13%12% Q3 FY26 Q2 FY26 Q1 FY26 Q4 FY25 Q3 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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219 381 245 349 276 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 221 317 220 279 292 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Net Interest Income Non Interest Income Operating Profit Key Performance Matrix 152 190 119 160 153 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Net Profit 21 472 506 552 593 792 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 850 985 1090 1105 1256 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 328 391 415 403 432 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 183 190 388 591 870 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 (₹ crore) Financials 375 371 379 424 453 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
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Financials 6.19% 6.32% 6.43% 6.37% 6.35% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 6.32% 6.57% 6.62% 6.53% 6.46% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 11.06% 10.98% 10.73% 10.95% 10.82% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Key Performance Matrix (contd.) 4.11% 3.75% 3.54% 3.81% 3.86% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 22 4.35% 4.20% 5.25% 6.21% 6.53% 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 Yield on Advances Cost of Deposits Cost of Funds 11.20% 10.80% 11.19% 11.17% 10.83% 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 5.25% 5.52% 5.11% 4.30% 3.73% 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 Net Interest Margin 4.34% 4.19% 5.21% 6.09% 6.39% 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26
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Financials 15.28% 18.80% 10.90% 14.46% 13.38% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Return on Assets Return on Equity 1.52% 1.79% 1.03% 1.33% 1.22% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Key Performance Matrix (contd.) 62.90% 57.92% 64.70% 63.86% 59.97% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Cost to Income 23 Credit Cost* 1.83% 2.00% 1.78% 1.43% 1.20% 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 54.33% 56.98% 62.66% 65.00% 62.77% 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 20.88% 19.86% 17.29% 14.24% 12.93% 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 9M FY22 9M FY23 9M FY24 9M FY25 9M FY26 0.17% 0.57% 0.53% 0.53% 0.69% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 0.26% -0.20% -0.06% 0.18% 0.59% *Provisions other than tax / Average Assets
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236 249 258 261 269 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Book Value Per Share Key Performance Matrix (contd.) 24 PCR (Incl. w/off) PCR (excl. w/off) 81.47% 83.71% 80.46% 84.14% 79.87% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 86.55% 86.38% 91.67% 87.54% 91.85% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 CD Ratio (Gross) 60.12% 67.19% 64.52% 71.62% 66.32% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Financials
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Key Performance Matrix (contd.) 25 458 498 606 629 729 183 164 215 178 246 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Gross NPA Net NPA 1.58% 1.57% 1.84% 1.81% 1.96% 0.64% 0.52% 0.66% 0.52% 0.67% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Gross NPA (%) Net NPA (%) (₹ crore) (₹ crore) Asset Quality Financials Gross NPA Movement Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Opening Balance of Gross NPA 452 458 498 606 629 Additions 62 94 139 94 197 Sub Total (A) 514 552 637 700 826 Less (i) Upgradations 12 7 2 37 23 (ii) Recoveries 29 29 17 29 26 (iii) Write-Offs 15 18 12 5 48 Sub Total (B) 56 54 31 73 97 Closing Balance of Gross NPA (A -B) 458 498 606 629 729
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Financials Key Performance Matrix (contd.) Capital Adequacy Ratio 19.73% 20.59% 19.92% 19.19% 17.66% 1.35% 1.87% 1.79% 1.80% 1.75% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Tier 1 Tier 2 RWA to Total Exposure 41.76% 40.68% 41.26% 40.50% 40.52% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Liquidity Coverage Ratio* 26 *average 19.41%21.08% 22.46% 21.71% 20.99% 119% 124% 123% 126% 114% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
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Profit and Loss Account 27 (₹ crore) Particular Q3 FY26 Q2 FY26 Q3 FY25 QoQ YoY Interest Income 1,154 1,109 919 4% 26% Interest Expense 701 685 544 2% 29% Net Interest Income 453 424 375 7% 21% Treasury Profit 5 6 8 -17% -38% Fee income 272 343 211 -21% 29% Net Operating Income 730 773 595 -6% 23% Staff Cost* 232 228 196 2% 18% Other Opex 206 266 178 -22% 16% Total Opex 438 494 374 -11% 17% Operating Profit 292 279 221 5% 32% Provision for NPA 77 55 7 40% 1048% Other Provisions 10 8 10 14% 3% Total Provisions 87 63 17 36% 425% Profit Before Tax 205 216 204 -5% 1% Tax 52 56 52 -5% 0% Profit After Tax 153 160 152 -5% 1% Financials * Q3 FY26: Staff cost includes estimated incremental cost of ₹ 5.22 crore pursuant to new Labour Code.
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Profit and Loss Account Particular 9M FY26 9M FY25 YoY Interest Income 3,304 2,616 26% Interest Expense 2,048 1,511 36% Net Interest Income 1,256 1,105 14% Treasury Profit 64 47 37% Fee income 807 544 48% Net Operating Income 2,127 1,695 25% Staff Cost* 681 558 22% Other Opex 654 544 20% Total Opex 1,335 1,102 21% Operating Profit 792 593 33% Provision for NPA 188 33 477% Other Provisions 23 18 28% Total Provisions 211 50 318% Profit Before Tax 581 543 7% Tax 149 140 7% Profit After Tax 432 403 7% 28 (₹ crore) Financials * 9M FY26: Staff cost includes estimated incremental cost of ₹ 5.22 crore pursuant to new Labour Code.
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Liabilities Dec. 31, 2025 Sept 30, 2025 Dec. 31, 2024 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 4,662 4,527 4,103 3% 14% Deposits 40,460 39,651 33,407 2% 21% Of which CASA 8,316 8,394 8,042 -1% 3% Borrowings 6,540 4,326 4,474 51% 46% Other Liabilities & Provisions 1,672 1,343 951 25% 76% Total 53,508 50,021 43,109 7% 24% Assets Cash & Balance with RBI 2,675 2,420 2,335 11% 15% Balance with Banks Money at call & Short Notice 1,183 1,009 517 17% 129% Investments 11,376 10,799 10,132 5% 12% Advances 36,677 34,262 28,639 7% 28% Fixed Assets 670 671 557 0% 20% Other Assets 927 860 929 8% 0% Total 53,508 50,021 43,109 7% 24% 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 along with private cloud have been built and commissioned. 2. All Bank Branches have been provided with resilient high network bandwidth for running the business. 3. Infrastructure Transformation Programme has replaced the Datacenter hardware with modern cutting-edge technologies. 4. Technology Command Center has been setup in Turbhe, Navi Mumbai to monitor and control the entire technology estate. 5. 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. 6. New OBDX Corporate is live and Trade Finance is planned delivery by Q3 FY27. 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. 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 3,500+ PoS Machine Installations [ [[ 9.68 lakh+ Debit Cards 20,000+ QR Installations1,157 lakh+ Digital Transaction* 86.95% % of Digital Transaction* 1.85 lakh+ Credit Cards Net Banking Users 6.71 lakh+ 6.71 lakh+ Mobile Banking Users Digital Penetration *for 9M 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