Slides
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INVESTOR PRESENTATION Q1-FY27
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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 30 ESG 32 Awards 33 What's Inside
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Y-o-Y : Q1 FY27 v/s Q1 FY26 ₹ 58,101 Cr Balance Sheet Size 20% Y-o-Y ₹ 40,867 Cr Gross Advances 24% Y-o-Y ₹ 45,415 Cr Deposits 26% Y-o-Y ₹ 86,282 Cr Total Business 25% Y-o-Y ₹ 479 Cr Net Interest Income 26% Y-o-Y Total Income ₹ 1,516 Cr 18% Y-o-Y ₹ 229 Cr Non Interest Income 7% Y-o-Y Capital Adequacy Ratio 19.96% Q1-FY26 21.71% Net NPA Q1-FY26 0.66% 0.39% Q1-FY26 1.03% 1.09% ROA ₹ 150 Cr 27% Y-o-Y Profit After Tax Performance Highlights – Q1 FY27 4 3.66% Q1-FY26 3.54% 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 June 2026 June 2025 No. of Branches 233 176 394 65 868 220 165 387 62 834 *Of which Delhi (4%), Telangana (4%), Gujarat (3%) State Kerala Tamil Nadu Andhra Pradesh Maharashtra Karnataka Others * June 2026 June 2025 % Distribution 31 16 13 11 7 32 16 13 11 7 22 21 2(2) 12(12) 36(36)15(15) 12(13) 1(1) 17(17) 11(11)25(25) 32(31) 93(92)1(1) 1(1) 4(4) 3(3) 109(107) 61(56) 141(144) 270(253) 8(7) Kerala Tamil Nadu Maharashtra Andhra Pradesh OthersKarnataka 27% 19% 19% 6% 8% 21% 25% 31% 6% 17% 11% 10% 37% 14%23% 4% 7% 15% 17% 25% 15%10% 8% 25% Total Business Gold Loans 6 Legend: Branches (ATM) Company Overview Total Deposits Gross Advances 7(3) 7(1)
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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 12 21.80 12.57% Foreign Portfolio Investors 91 21.91 12.63% CSB ESOS Trust 1 3.82 2.20% Alternate Investment Funds 17 4.23 2.44% Others (incl. non- resident Indians, body corporates, resident individuals) 67,530 52.34 30.16% Total 67,652 173.49 100% 7 40.00% 12.57%12.63%2.20% 2.44% 30.16% FIHM - Promoter Mutual Funds Foreign Portfolio Investors CSB ESOS Trust Alternate Investment Funds Others As at June 30, 2026 Company Overview
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Our Board of Directors Mr. Biswamohan Mahapatra 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. Mr. Pralay Mondal is the Managing Director & CEO of the Bank since September 15, 2022. He has over 36 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 Mr. Sumit Maheshwari 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. Ms. Sharmila Karve 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 Mr. B K Divakara is the Executive Director of the Bank since March 15, 2024. He has over 38 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 Mr. Sudhin Choksey 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 Mr. Sharad Saxena 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 Ms. Renu Kohli 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 Mr. Deepak Maheshwari 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 Shetty Sancheti Non-Executive Director Ms. Sheetal Shetty Sancheti has been associated with Fairbridge Capital Private Limited since April 2019 and currently holds the position of Principal. She plays a pivotal role in monitoring the portfolio investments held by Fairfax India Holdings Corporation, a Toronto-listed entity, across its Indian investments. Ms. Sheetal has proven expertise in investment monitoring, regulatory compliance, financial reporting, and corporate governance. Mr. DN Narasimha Raju Independent Director Mr. Narasimha Raju 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 36+ 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 Chinmay Adhikari Chief Human Resource Officer Raju Kumar Ojha Head– Planning & Execution D Lakshmi Narayanan Head- Operations 38+ 31+ 31+ 30+ 29 + 31+ 28+ 27+ 30+ 32+ 23+ 26+ 41 + 23+ 26+ 20+ Sijo Varghese Company Secretary
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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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3,939 9% 4,469 11% 10,553 26% 21,906 54% Gross Advances Advances 32,944 34,712 37,161 40,359 40,867 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Gross Advances Mix* 6,054 19% 4,275 13% 7,687 23% 14,928 45% Q1 FY26 RetailBusiness Lending Group (BLG)Gold Wholesale 15 (₹ crore) Q1 FY27 * Internal Classification Business Overview 97% 97% 98% 98% 98% 3% 3% 2% 2% 2% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Secured Unsecured Secured Advances
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Business Overview Book size Portfolio Quality Tonnage No. of Accounts (in lakhs) Gold Loan Portfolio 14,928 16,456 19,020 21,567 21,906 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 24.59 23.99 Q1 FY26 Q1 FY27 4.03 4.31 Q1 FY26 Q1 FY27 Yield 11.85%* GNPA% 0.27% LTV 75.31% Tonnage 23.99 T 16 * Portfolio yield for Q1 FY27 (₹ crore)
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Disbursements 17 9767 16420 14981 99898652 1524 1428 1433 1186 1360 187 588 508 1338 1702 444 428 436 488 374 Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 Q1 FY26 Gold Wholesale Retail BLG(₹ crore) 1% Y-o-Y 1192218864173581300112088 Business Overview
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Investments Yield on Investments HTM 37.48% AFS 59.94% HFT 2.58% M Duration FVTPL AFS HTM Total 6.06 5.14 4.63 4.97 18 (₹ crore) Net Investments 10,554 10,059 10,585 11,188 11,304 596 740 791 767 769 SLR Investments Non-SLR Investments 6.63% 6.73% 6.73% 6.88% 6.85% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Business Overview Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 12,07311,95511,37610,79911,150
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Business Overview 41% 46% 47% 50% 52% 59% 54% 53% 50% 48% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Bulk Deposit Retail Deposit Total Deposits Deposits ₹ Term Deposit Mix* CASA Mix 21.43% 20.83% 21.08% 21.90% 21.41% 78.57% 79.17% 78.92% 78.10% 78.59% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CA SA 19 (₹ crore) 35,935 39,651 40,460 44,246 45,415 23.49% 21.17% 20.55% 19.96% 19.41% * Excl. CD 8,8158,8328,3168,3948,441 36,60035,414 32,14431,257 27,494 Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 Q1 FY26 CASA Term Deposits
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17% 17%18%19%20% 71%69%68%71%67% 12%14% 14%10%13% Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 Q1 FY26 CASA TD Borrowing Instrument Rating Tier II Bonds 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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Key Performance Matrix 21Financials 10.65%10.72%10.82%10.95%10.73% 11.85%12.00%11.83%11.77%11.70% 8.78%8.70%9.11%9.34%9.03% 9.25%9.81%10.08%10.52%9.90% 10.12%9.69%10.56%11.20%10.98% Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 Q1 FY26 Total Yield Gold Wholesale BLG Retail Yield on Advances
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Key Performance Matrix (contd.) 22Financials Net Interest Income 379 424 453 464 479 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 245 349 276 306 229 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Non Interest Income 220 279 292 294 251 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Operating Profit 119 160 153 202 150 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Net Profit
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Financials 6.62% 6.53% 6.46% 6.42% 6.55% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Key Performance Matrix (contd.) 23 Cost of Funds 3.54% 3.81% 3.86% 3.83% 3.66% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Net Interest Margin 7.83% 7.86% 7.34% 7.01% 7.17% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost of Borrowings 6.43% 6.37% 6.35% 6.33% 6.46% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost of Deposits 10.90% 14.46% 13.38% 17.66% 12.71% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Return on Equity Return on Assets 1.03% 1.33% 1.22% 1.53% 1.09% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 91.67% 87.54% 91.85% 91.22% 89.99% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CD Ratio (Gross)
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Financials Key Performance Matrix (contd.) 64.70% 63.86% 59.97% 61.88% 64.55% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost to Income 24 Credit Cost* 0.53% 0.53% 0.69% 0.18% 0.36% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 *Provisions other than tax / Average Assets PCR (Incl. w/off) 80.46% 84.14% 79.87% 86.33% 86.83% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 PCR (excl. w/off) 64.52% 71.62% 66.32% 76.38% 77.96% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 258 261 269 272 289 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Book Value Per Share 27 37 35 47 35 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Earning Per Share 3.49% 4.11% 3.50% 3.63% 3.31% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost to Assets Slippage Ratio 1.72% 1.11% 2.25% 0.66% 0.97% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27
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Key Performance Matrix (contd.) 25 606 629 729 670 715 215 178 246 158 158 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Gross NPA Net NPA 1.84% 1.81% 1.96% 1.66% 1.75% 0.66% 0.52% 0.67% 0.40% 0.39% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Gross NPA (%) Net NPA (%) (₹ crore) (₹ crore) Asset Quality Financials Gross NPA Movement Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Opening Balance of Gross NPA 498 606 629 729 670 Additions 139 94 197 61 98 Sub Total (A) 637 700 826 790 768 Less (i) Upgradations 2 37 23 85 10 (ii) Recoveries 17 29 26 28 41 (iii) Write-Offs 12 5 48 7 2 Sub Total (B) 31 73 97 120 53 Closing Balance of Gross NPA (A -B) 606 629 729 670 715
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Financials Key Performance Matrix (contd.) Capital Adequacy Ratio 19.92% 19.19% 17.66% 18.93% 18.96% 1.79% 1.80% 1.75% 1.73% 1.00% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Tier 1 Tier 2 RWA to Total Exposure 41.26% 40.50% 40.52% 38.88% 41.97% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 26 *average 19.96%21.71% 20.99% 19.41% 20.66% 123% 126% 114% 109% 123% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Liquidity Coverage Ratio* Gross NPA Movement Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 (i) Credit Risk 16,820 17,388 19,094 20,026 21,299 (ii) Market Risk 630 348 420 516 819 (iii) Operational Risk 3,792 3,792 3,792 3,792 4,532 Total Risk Weighted Assets 21,242 21,528 23,307 24,334 26,650 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27Risk Type
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Profit and Loss Account 27 (₹ crore) Particular Q1 FY27 Q4 FY26 Q1 FY26 QoQ YoY Interest Income 1,287 1,201 1,041 7% 24% Interest Expense 808 737 662 10% 22% Net Interest Income 479 464 379 3% 26% Treasury Profit 12 -6 53 NA -78% Fee income 216 312 192 -30% 13% Net Operating Income 707 770 624 -8% 13% Staff Cost 253 251 221 0% 14% Other Opex 203 225 183 -9% 12% Total Opex 456 476 404 -4% 13% Operating Profit 251 294 220 -15% 14% Provision for NPA 43 11 57 313% -24% Other Provisions 6 12 3 -56% 44% Total Provisions 49 23 60 113% -19% Profit Before Tax 202 271 160 -25% 26% Tax 52 69 41 -25% 26% Profit After Tax 150 202 119 -26% 27% Financials
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Liabilities June 30, 2026 Mar 31, 2026 June 30, 2025 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 5,003 4,721 4,466 6% 12% Deposits 45,415 44,246 35,935 3% 26% Of which CASA 8,815 8,832 8,441 0% 4% Borrowings 6,023 7,154 5,340 -16% 13% Other Liabilities & Provisions 1,486 1,432 2,665 4% -44% Total 58,101 57,727 48,580 1% 20% Assets Cash & Balance with RBI 3,040 4,017 3,360 -24% -10% Balance with Banks Money at call & Short Notice 1,028 80 122 1182% 742% Investments 12,073 11,955 11,150 1% 8% Advances 40,309 39,848 32,552 1% 24% Fixed Assets 726 710 648 2% 12% Other Assets 925 1,117 748 -17% 24% Total 58,101 57,727 48,580 1% 20% Balance Sheet 28 (₹ crore) Financials
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Financials Balance Sheet Size Gross Advances Deposits 29162 36056 47836 57727 FY23 FY24 FY25 FY26 Key Performance Matrix (contd.) Total Income 29 Profit After Tax ROA Net NPA NIM 20842 24572 31842 40359 FY23 FY24 FY25 FY26 24506 29719 36861 44246 FY23 FY24 FY25 FY26 2635 3512 4569 5682 FY23 FY24 FY25 FY26 547 567 594 633 FY23 FY24 FY25 FY26 2.06% 1.79% 1.53% 1.29% FY23 FY24 FY25 FY26 0.35% 0.51% 0.52% 0.40% FY23 FY24 FY25 FY26 5.48% 5.09% 4.13% 3.76% FY23 FY24 FY25 FY26 (₹ crore)
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30 Technology Transformation @ CSB Bank Technology Infrastructure Transformation 1. Modernized infrastructure with Private Cloud, Virtualized Data Centers, and Enterprise Backup solutions, supported by a resilient high-speed network across all locations. 2. A centralized Technology Command Center is operational, while infrastructure automation initiatives are advancing, with Self-Heal and Runbook Automation planned by Q4 FY27. Core Systems Transformation 1. A modern banking platform has been established with Flexcube Core Banking, Digital Channels, Payments, Trade Finance, Oracle General Ledger, Loan Management, and Reconciliation systems now live. 2. Risk Management (Oracle OFSAA) is under implementation, while Corporate Mobile Banking and Mobile Trade Finance are targeted for delivery by Q3 FY27. Surround Systems Transformation 1. A comprehensive digital ecosystem is operational, covering customer onboarding, lending, enterprise integration, RegTech, government business, clearing, and KYC platforms. 2. Key enhancements, including CRM, Corporate Onboarding, CMS, Corporate Lending upgrades, and automation initiatives, are progressing with planned deliveries through FY27. Cybersecurity Systems Transformation 1. A robust cybersecurity framework has been established with WAF, DDoS protection, EDR, SIEM (Splunk), and VAPT governance tools to enhance threat prevention, detection, and response. 2. The Vulnerability Response System is currently under implementation and is targeted for completion by Q3 FY27. Digital Penetration
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[ [ Enhancing Digital Footprint [ 31 *for H1 FY25 3,400+ PoS Machine Installations [ [[ 9.69 lakh+ Debit Cards 19,200+ QR Installations654 lakh+ Digital Transaction* 95.96% % of Digital Transaction* 1.96 lakh+ Credit Cards Net Banking Users 6.56 lakh+ 6.56 lakh+ Mobile Banking Users Digital Penetration *for Q1FY27
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ESG Framework 32ESG • 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 33Awards Indian Institute of Banking & Finance awards “Excellence in Credit & Compliance Learning Award” to CSB Bank CSB Bank awarded with “Best Security Driven CI/CD Pipeline”
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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. 34
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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