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INVESTOR PRESENTATION Q2-FY27
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What's Inside Company Overview 4 Strategy 11 Business Overview 15 Financials 21 Digital Penetration 32 ESG 35 Awards 36
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₹ 89,272 Cr Total Business ₹ 46,889 Cr Deposits Y-o-Y : Q2 FY27 v/s Q2 FY26 ₹ 60,561 Cr Balance Sheet Size ₹ 42,383 Cr Gross Advances ₹ 510 Cr Net Interest IncomeTotal Income ₹ 1,612 Cr ₹ 274 Cr Non Interest Income Capital Adequacy Ratio 19.55% Net NPA 0.33% 1.29% ROA ₹ 183 Cr Profit After Tax Performance Highlights – Q2 FY27 4 3.81% NIM 21% Y-o-Y 22% Y-o-Y 18% Y-o-Y 20% Y-o-Y 11% Y-o-Y 20% Y-o-Y 22% Y-o-Y 14% Y-o-Y Q2-FY26 20.99% Q2-FY26 0.52% Q2-FY26 1.33% Q2-FY26 3.81% Company Overview
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▪ Retail customers ▪ MSME customers ▪ Corporate Clients ▪ Agricultural Sectors ▪ Microfinance and Underbanked Segments ▪ High-Net-Worth Individuals (HNIs) ▪ Digital Banking Customers 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 5Company Overview Focus on comprehensive financial needs of
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Robust Network, Extensive Reach 6Company Overview 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(57) 143(146) 270(256) 8(7) Kerala Tamil Nadu Andhra Pradesh Maharashtra OthersKarnataka Legend: Branches (ATM) 7(5) 9(2) Metropolitan Urban Semi-Urban Rural Grand Total Population Sept 2026 Sept 2025 No. of Branches 233 177 397 65 872 224 165 387 62 838 *of which NCT Delhi (4%), Telangana (4%), Gujarat (3%) State Kerala Tamil Nadu Andhra Pradesh Maharashtra Karnataka Others * Sept 2026 Sept 2025 % Distribution 31 16 13 11 7 32 16 13 11 7 22 21 26% 19% 20% 7% 7% 21% 24% 31% 6% 17% 11% 11% 36% 14%24% 4% 6% 16% 16% 25% 16%10% 8% 25% Total Business Gold Loans 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 10 22.82 13.15% Foreign Portfolio Investors 87 21.38 12.32% CSB ESOS Trust 1 3.54 2.04% Alternate Investment Funds 13 4.30 2.48% Others (incl. non- resident Indians, body corporates, resident individuals) 66,093 52.06 30.01% Total 66,205 173.49 100% 40.00% 13.15%12.32%2.04% 2.48% 30.01% FIHM - Promoter Mutual Funds Foreign Portfolio Investors CSB ESOS Trust Alternate Investment Funds Others As at September 30, 2026 7Company 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. Biswamohan Mahapatra Non-Executive Independent Chairperson 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. 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 8Company Overview 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. Ms. Sharmila Abhay Karve Independent Director 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 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
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Our Board of Directors 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. 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. Mr. DN Narasimha Raju Independent 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. Ms. Sheetal Shetty Sancheti Non-Executive Director Mr. Anish Thurthi is a highly accomplished Chartered Accountant with over 20+ years of experience in investment management, Mergers & Acquisitions (M&A), and financial advisory. He currently is a Director at Fairbridge Capital Private Limited, an investment advisory firm managing investments for Fairfax Financial Holdings Limited and Fairfax India Holdings Corporation. His expertise spanned financial due diligence, structuring, buyouts, and merger integrations across sectors such as infrastructure, consumer goods, and industrials. Mr. Anish Thurthi Additional Director (Non-Executive Non-Independent) 9Company Overview 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 Note - Mr. Sumit Maheshwari ceased to be the Non-Executive Non-Independent Director of the Bank, effective from September 3, 2026, upon completion of his tenure of appointment.
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Our Strong Leadership Team 10 Pralay Mondal Managing Director & CEO Alok Singh Head-Treasury Raju Kumar Ojha Head– Planning & Execution Experience of Executives Company Overview 36+ 30+ Manish Modi Head - Wholesale Banking 27+ D Lakshmi Narayanan Head- Operations 26+ 20+ 38+ B K Divakara Executive Director 29+ 30+ 41+ Shyam Mani Head - MSME Ajith Jose Chief Compliance Officer Jaikumar S. Chief Internal- Vigilance Officer 31+ 31+ 32+ 23+ Narendra Kumar Dixit Head - Retail Banking Rajesh Choudhary Chief Technology Officer Satyendra Sharma Chief Risk Officer Sijo Varghese Company Secretary 31+ 28+ 23+ 26+ Satish Gundewar Chief Financial Officer Manish Agarwal Chief Credit Officer Punit Saruparia Head - Internal Audit Chinmay Adhikari Chief Human Resource Officer
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Driven by SBS 2030 11 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 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 Strategy
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Driven by SBS 2030 (contd.) 12 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 Sustain Core Strengths Build Platforms for Future Scale Execute with Guardrails Strategy
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Driven by SBS 2030 (contd.) 13 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 Strategy
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Driven by SBS 2030 (contd.) 14 PILLAR 2 Governance Customer serviceTechnology ComplianceHuman Capital Our Pillars PILLAR 1 PILLAR 3 PILLAR 4 PILLAR 5 Strategy
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Gross Advances Mix* Gross Advances 3,766 8% 4,563 11% 11,751 28% 22,303 53% Advances 34,712 37,161 40,359 40,867 42,383 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 5,734 17% 4,376 13% 8,146 23% 16,456 47% Q2 FY26 RetailBusiness Lending Group (BLG)Gold Wholesale 15 (₹ crore) Q2 FY27 * Internal Classification 97% 98% 98% 98% 98% 3% 2% 2% 2% 2% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Secured Unsecured Secured Advances Business Overview
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Tonnage Portfolio Quality Book size No. of Accounts (in lakhs) Gold Loan Portfolio 16,456 19,020 21,567 21,906 22,303 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 24.67 21.93 Q2 FY26 Q2 FY27 4.06 4.44 Q2 FY26 Q2 FY27 16 Yield 12.33%* GNPA% 0.28% LTV 75.25% Tonnage 21.93 T * Portfolio yield for Q2 FY27 (₹ crore) Business Overview
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Disbursements 17 96969767 16420 14981 9989 21841524 1428 1433 1186 242 187 588 508 1338 592 444 428 436 488 Q2 FY27 Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 Gold Wholesale Retail BLG(₹ crore) 2% Y-o-Y1271411922188641735813001 Business Overview
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Investments Yield on Investments HTM 38.20% AFS 59.28% FVTPL 2.52% M Duration FVTPL AFS HTM Total 6.59 5.01 4.46 4.83 18 (₹ crore) Net Investments 10,059 10,585 11,188 11,304 11,728 740 791 767 769 674 SLR Investments Non-SLR Investments 6.73% 6.73% 6.88% 6.85% 6.76% Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 12,07311,95511,37610,799 Business Overview 12,402 5.93% 6.42% 6.86% 6.68% 6.80% H1 FY24 H1 FY25 H1 FY26 H1 FY27 H1 FY23
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46% 47% 50% 52% 52% 54% 53% 50% 48% 48% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Bulk Deposit Retail Deposit Total Deposits Deposits ₹ Term Deposit Mix* CASA Mix 20.83% 21.08% 21.90% 21.41% 21.69% 79.17% 78.92% 78.10% 78.59% 78.31% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CA SA 19 (₹ crore) 39,651 40,460 44,246 45,415 46,889 21.17% 20.55% 19.96% 19.41% 18.96% * Excl. CD 8,8898,8158,8328,3168,394 38,00036,60035,414 32,14431,257 Q2 FY27 Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 CASA Term Deposits Business Overview 18% Y-o-Y
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17% 17% 17%18%19% 71% 71%69%68%71% 12% 12%14% 14%10% Q2 FY27 Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 CASA TD Borrowing Instrument Rating Tier II Bonds CRISIL A/ Stable IND A/Stable 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 10.92%10.65%10.72%10.82%10.95% 12.33%11.85%12.00%11.83%11.77% 8.83%8.78%8.70%9.11%9.34% 9.39%9.25%9.81%10.08%10.52% 10.15%10.12%9.69%10.56%11.20% Q2 FY27 Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 Total Yield Gold Wholesale BLG Retail Yield on Advances 21Financials
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Key Performance Matrix (contd.) 636 708 729 803 989 H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 Net Interest Income 424 453 464 479 510 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Non Interest Income 349 276 306 229 274 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Operating Profit 279 292 294 251 276 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 235 265 252 279 333 H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 312 356 373 500 527 H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 100 262 371 594 502 H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 Net Profit 160 153 202 150 183 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 22Financials
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Key Performance Matrix (contd.) 1.81% 1.76% 1.39% 1.18% 1.19% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 Return on Assets 1.33% 1.22% 1.53% 1.09% 1.29% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Return on Equity 14.46% 13.38% 17.66% 12.71% 14.74% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Net Interest Margin 3.81% 3.86% 3.83% 3.66% 3.81% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 57.57% 63.30% 66.13% 64.23% 64.68% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 5.38% 5.12% 4.33% 3.68% 3.73% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 18.49% 17.08% 13.65% 12.70% 13.79% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 Cost to Income 63.86% 59.97% 61.88% 64.55% 64.80% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 23Financials
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Key Performance Matrix (contd.) Cost of Fund 6.53% 6.46% 6.42% 6.55% 6.55% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Credit Cost* 0.66% 0.87% 0.11% 0.43% 0.24% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Cost of Borrowings 7.86% 7.34% 7.01% 7.17% 7.40% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 4.14% 5.11% 6.03% 6.41% 6.45% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 4.01% 7.39% 8.24% 7.72% 7.29% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 -0.12% -0.04% 0.21% 0.69% 0.33% Cost of Deposits 6.37% 6.35% 6.33% 6.46% 6.43% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 24Financials * NPA Provisions / Average Advances H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 4.13% 5.21% 6.17% 6.57% 6.55% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27
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Key Performance Matrix (contd.) 1.11% 2.25% 0.66% 0.97% 0.63% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Slippage Ratio 4.11% 3.50% 3.63% 3.31% 3.59% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Cost to Assets 37 35 47 35 42 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Earning per share 25Financials 0.96% 0.81% 1.33% 1.41% 0.80% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 27 31 29 32 38 H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27 3.26% 4.12% 4.02% 3.81% 3.45% H1 FY23 H1 FY24 H1 FY25 H1 FY26 H1 FY27
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261 269 272 289 290 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Key Performance Matrix (contd.) Book value per share 71.62% 66.32% 76.38% 77.96% 79.19% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 PCR (excl. w/off)PCR (Incl. w/off) 84.14% 79.87% 86.33% 86.83% 87.65% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CD Ratio (Gross) 26Financials 87.54% 91.85% 91.22% 89.99% 90.39% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27
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Key Performance Matrix (contd.) 27 629 729 670 715 671 178 246 158 158 140 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Gross NPA Net NPA(₹ crore) (₹ crore)Asset Quality Gross NPA Movement Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Opening Balance of Gross NPA 606 629 729 670 715 Additions 94 197 61 98 66 Sub Total (A) 700 826 790 768 781 Less (i) Upgradations 37 23 85 10 26 (ii) Recoveries 29 26 28 41 25 (iii) Write-Offs 5 48 7 2 59 Sub Total (B) 73 97 120 53 110 Closing Balance of Gross NPA (A -B) 629 729 670 715 671 27Financials 1.81% 1.96% 1.66% 1.75% 1.58%0.52% 0.67% 0.40% 0.39% 0.33% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Gross NPA (%) Net NPA (%)
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Key Performance Matrix (contd.) Capital Adequacy Ratio 19.19% 17.66% 18.93% 18.96% 18.54% 1.80% 1.75% 1.73% 1.00% 1.01% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Tier 1 Tier 2 RWA to Total Exposure 40.50% 40.52% 38.88% 41.97% 41.26% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 *average 19.55%20.99% 19.41% 20.66% 19.96% 126% 114% 109% 123% 127% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Gross NPA Movement Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 (i) Credit Risk 17,388 19,094 20,026 21,299 22,107 (ii) Market Risk 348 420 516 819 780 (iii) Operational Risk 3,792 3,792 3,792 4,532 4,532 Total Risk Weighted Assets 21,528 23,307 24,334 26,650 27,419 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27Risk Type 28Financials Liquidity Coverage Ratio*
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Particular Q2 FY27 Q1 FY27 Q2 FY26 QoQ YoY Interest Income 1,339 1,287 1,109 4% 21% Interest Expense 829 808 685 3% 21% Net Interest Income 510 479 424 7% 20% Treasury Profit -2 12 6 - 115% -128% Fee income 275 216 343 27% -20% Net Operating Income 783 707 773 11% 1% Staff Cost 266 253 228 5% 17% Other Opex 241 203 266 18% -9% Total Opex 507 456 494 11% 3% Operating Profit 276 251 279 10% -1% Provision for NPA 24 43 55 -44% -56% Other Provisions 6 6 8 5% -35% Total Provisions 30 49 63 -39% -53% Profit Before Tax 246 202 216 22% 14% Tax 63 52 56 22% 14% Profit After Tax 183 150 160 22% 14% Profit and Loss Account (₹ crore) 29Financials
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Particular H1 FY27 H1 FY26 YoY Interest Income 2,626 2,150 22% Interest Expense 1,637 1,347 22% Net Interest Income 989 803 23% Treasury Profit 10 59 -83% Fee income 492 535 -8% Net Operating Income 1,491 1,397 7% Staff Cost 519 449 15% Other Opex 445 448 -1% Total Opex 964 897 7% Operating Profit 527 500 5% Provision for NPA 68 112 -39% Other Provisions 12 13 -11% Total Provisions 80 125 -36% Profit Before Tax 447 375 19% Tax 114 96 19% Profit After Tax 333 279 19% Profit and Loss Account (₹ crore) 30Financials
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Liabilities Sept 30, 2026 June 30, 2026 Sept 30, 2025 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 5,033 5,003 4,527 1% 11% Deposits 46,889 45,415 39,651 3% 18% Of which CASA 8,889 8,815 8,394 1% 6% Borrowings 6,169 6,023 4,326 2% 43% Other Liabilities & Provisions 2,296 1,486 1,343 54% 71% Total 60,561 58,101 50,021 4% 21% Assets Cash & Balance with RBI 4,049 3,040 2,420 33% 67% Balance with Banks Money at call & Short Notice 549 1,028 1,009 - 47% -46% Investments 12,402 12,073 10,799 3% 15% Advances 41,852 40,309 34,262 4% 22% Fixed Assets 730 726 671 1% 9% Other Assets 979 925 860 6% 14% Total 60,561 58,101 50,021 4% 21% Balance Sheet (₹ crore) 31Financials
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Balance Sheet Size Gross Advances Deposits 29162 36056 47836 57727 FY23 FY24 FY25 FY26 Key Performance Matrix (contd.) Total Income 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) 32Financials
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Technology Transformation @ CSB Bank Technology Infrastructure Transformation Modernized network infrastructure and implemented an advanced enterprise backup solution, enhancing connectivity, system performance, operational resilience, data protection, business continuity, and disaster recovery capabilities. Successfully enhanced IT infrastructure capabilities through the operationalization of a 580-seat technology-enabled workspace at Turbhe, strengthening organizational capacity and scalability. 1 2 Surround Systems Transformation Successfully implemented and operationalized key digital banking platforms, including Lead Acquisition & Management, Retail Customer Onboarding, Retail Loan Origination (LAS), Depositor Education & Awareness Fund (DEAF), and the API Developer Portal, Government Liquidity Management System (GLMS) strengthening customer acquisition, onboarding, lending, regulatory compliance, and digital ecosystem integration capabilities. Key enhancements, including Corporate Mobile Banking, Cash Mgmt. System are progressing with planned deliveries through FY27. 1 2 Core Systems Transformation Successfully implemented and operationalized OBDX Corporate Banking and OFSAA (Oracle Financial Services Analytical Applications) enhancing digital banking capabilities, financial analytics, reporting, and enterprise-wide decision- making. Implementation of Oracle Banking Trade Finance Process Management (OBTFPM) platforms targeted for delivery by Q3 FY27. 1 2 Cybersecurity Systems Transformation 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. The Vulnerability Response System is currently under implementation and is targeted for completion by Q3 FY27. 1 2 33Digital Penetration
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Enhancing Digital Footprint *for H1FY27 34Digital Penetration 6.51 lakh+ Mobile Banking Users 6.51 lakh+ Net Banking Users 1,143 lakh+ Digital Transaction* 95.39% % of Digital Transaction* 2,500+ PoS Machine Installations 1.87 lakh+ Credit Cards 19,700+ QR Installations 9.06 lakh+ Debit Cards
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ESG Framework o Energy Efficiency o Reduction of GHG Emissions o Effluent and Waste Management o Sustainable Procurement Practices o Promotion of Digital Initiatives o ESG impact assessment /scorecard in lending o Climate Risk Assessment/Stress Tests Environmental Social o Employees - We Care through Equality, Diversity, Growth and Inclusion and provide Health/Accident Coverage. o Customers- Customer Centricity /Experience, Grievance Redressal Forum, Feedback Mechanism. o Community- CSR Initiatives, Responsible Banking, Distribution, FI initiatives o Cyber Security- ISO 27001 certification, Policies, Audits, 24/7 FRM cell. Governance o ESG /Sustainable Development Policy o Board Oversight/ Diversity/ Stakeholder Engagement. o Board/Board Committees comprise of Independent Directors. o Minority Shareholder Participation & Protection Mechanisms. o Compliance/Vigilance Policies and Framework. 35ESG
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Awards & Recognition 36Awards 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” Best Technology Team Delivering Business Value (Banking) CSB Bank Ltd.
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Disclaimer 37 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 analysis 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 regrouped 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.
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THANK 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 YOU