#1ဌာ CSB Bank Investor Presentation Q1 FY 21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#2Company Overview Business Overview Key Information Improved Profitability Cost and Revenue Earnings Digital Penetration • Strategy Will be a century young Comfortable Provision Coverage Well Capitalised & Strong by November 2020 Asset Quality • 413 Branches & 306 ATMs Liquidity • 8 Zonal Offices Position . *PAT at historical high level of Rs 53.6 crore with RoA (annualized) crossing 1% * PBT grows by 138% YoY and 216% QoQ even after making extra Covid related provisions totaling Rs 42.6 Crore (included in provision for standard assets) *Operating Profit up by 21% QoQ and 222% YoY due to improved NII and treasury profits * * NII grows by 40% YoY and 18% QoQ PCR increases to 81.7% from 80.0% in Q4 continues to Capital Adequacy Ratio improves from 16.88% as on 30.06.2019 to 18.93% as on 30.06.2020. * NIM Crosses 4 % mark * Non Staff opex down by 3.5% YoY and 23.6% QoQ * Non-Interest Income increases by 146% YoY on the back of improved treasury gains *Bank provide accelerated provisions in FY 21 *GNPA at 3.51% as on 30.06.20 as against 4.71% & 3.54% on 30.06.19 & 31.03.2020 respectively * Tier I ratio of 17.93% *LCR of 232% * Net NPA decreased from 2.04% as on 30.06.2019 & 1.91% as on 31.03.2020 to 1.74% as on 30.06.2020 CSB Bank Investor Presentation Q1 FY21 • 1.5Mn happy customers Presence in 16 states & 4 UTS • Total business of • ~Rs 28,500Cr 5 bancassuance tie ups with industry leaders. CSB Bank Formerly The Catholic Syrian Bank Ltd.#3Other Provisions NPA Provision Company Overview Business Overview Sub Standard Assets Doubtful Assets (Up to one year) Doubtful Assets (One to three years) Doubtful Assets Asset Classification (More than three years) Loss Assets Secured Unsecured Secured Unsecured Earnings Prudential Provisioning Policy Digital Penetration Strategy RBI Norms Our Norms 15% 25% 25% 50% 25% 40% 100% 100% Secured (1st Year) 40% 60% Secured (2nd Year) 40% 100% Prudential Provisions Amount in Cr Unsecured 100% 100% NPA Provision 89 Secured/Unsecured 100% 100% COVID related Std asset provision 31 100% 100% Others (Fraud,SR etc) 24 Accounting Treatment Total 144 After Tax Impact 108 Provisions for Fraud Provisions for COVID 19 Relief accounts Provisions for Security Receipts Secured/Unsecured RBI Norms P&L charge can be amortised over 4 quarters ⚫5% in Q4 FY20 ⚫5% in Q1 FY21 Depreciation can be netted Charged to P&L in the first quarter itself • • Provided as per RBI Norms Additional provision in Q1 FY21 Appreciation of individual scrips not with appreciation of individual netted scrips in the same category CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#4Company Overview Business Overview Earnings Operating Profit QoQ 67 37 70 10 107 129 Digital Penetration Strategy Net Profit QoQ Amt in Cr 54 28 25 *27 20 Q1 FY20 Q2 FY20 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q3 FY20 Q1 FY21 Q1 FY21 -60 Q4 FY20 *Ex Tax effect Operating Profit YoY 152 74 13 281 -4 FY16 FY17 FY18 FY19 FY20 Net Profit YoY *100 2 FY 18 FY 16 FY 19 13 FY17 FY20 -97 -150 -197 *Ex Tax effect CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#5Company Overview Business Overview Earnings Branch Distribution State KERALA TAMIL NADU MAHARASHTRA 1(1) 3(2) KARNATAKA OTHERS 2(2) 6(4) 4(4) 4(4) 6(4) 1(1) 2(1) 1(1) 1(1) 33 (29) 3(3) 2(2) 6(3) 17(11) 260 (167) CASA % distribution 4% 9% 63% 14% 15% 8% 4% 11% ៩៤ ជ Q1 FY 21 9% 63% Total Deposits 8% 4% 14% Population No of Branches Metropolitan 67 9% 12 Q1 FY 21 Urban 87 65% 59(64) Semi-urban 223 Rural 36 1(1) Grand Total 413 Legend: Branches (ATM) Digital Penetration Strategy Gold Loans 10% 13% Q1 FY 31% 21 41% 6% Total Advances 9% 6% 26% BEZ Q1 32% FY 21 28% Kerala Tamilnadu Maharashtra Karnataka Others CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#6Company Overview Business Overview Earnings Digital Penetration Share Holding Pattern % of Share Holding Category No of Shareholders No of Shares Held(in Mio) % of Holding FIHM(Promoter) 1 86.26 49.73 Mutual Funds 4 9.45 5.45 Alternate Investment Funds 1 3.27 1.89 36.70% Foreign Portfolio Investors 7 5.61 3.24 Financial Institutions / Banks 2 0.19 0.11 Shares held by Empolyee Trusts 1 5.00 2.88 Others 51039 63.68 36.70 TOTAL 51055 173.46 100.00 FIHM(Promoter) Mutual Funds Shares held by Empolyee Trusts Foreign Portfolio Investors Alternate Investment Funds Financial Institutions / Banks Others Strategy Q1 FY 21 49.73% 0.11% 1.89% 3.24% 2.88% 5.45% CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#7Company Overview Business Overview Earnings Digital Penetration Strategy Solid CRAR & Adequate Liquidity - Our Strength Capital Adequacy Ratio 23.00% 22.77% 16.88% 22.46% 18.93% RWA to Total Assets 47% 42% 42% 41% 42% Amt in Cr 16.23% 22.11% 22.34% 21.79% 17.93% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Risk Weighted Assets 9590 7152 7411 7891 1115 Liquidity Coverage Ratio 7309 1115 2299 895 895 895 753 905 865 871 223% 235% 257% 245% 232% 5504 5611 5543 5911 6175 Q1 FY20 Q2 FY20 ■Credit Risk Q3 FY20 Market Risk Q4 FY20 ■Operational Risk Q1 FY21 CSB Bank Investor Presentation Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#84272 10925 Company Overview Business Overview Earnings Total Deposits (Amt in Cr) 8% YoY 3% QoQ 15197 15510 4372 11138 4353 10888 16338 15241 15791 4607 11184 4776 11562 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 CASA ■Term Deposits Cost of Deposits 6.87% 6.89% 6.88% 6.91% 6.64% 5.91% 5.91% 5.91% 5.86% 5.48% Digital Penetration 28.19% 28.11% 3.90% 3.89% 3.92% 3.77% 3.06% CASA Ratio 28.56% Strategy 29.23% 29.17% Q1 FY20 Q2 FY20 Savings Deposits Q3 FY20 Q4 FY20 -Total Deposits Q1 FY21 Q1 FY20 Q2 FY20 -Term deposits Q3 FY20 -CASA % Q4 FY20 Q1 FY21 CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#911466 Company Overview Business Overview Total Gross Advances + Non SLR Bonds (Amt in Cr) 13% YoY 6% QoQ 11863 12537 11759 12391 297 13291 1193 237 293 183 12154 Gross Advances 11680 12240 Non SLR Bonds 12098 10.33% 10.22% Earnings Yield on Advances Digital Penetration CD Ratio Strategy 10.86% 78.36% 75.45% 76.63% 77.52% 74.05% 10.72% 10.74% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 -Yield on Advances CD Ratio CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#10Company Overview 11.4% 8.1% 5.8% 0.3% 25.2% Q1 FY 20 0.3% 2.8% Business Overview Earnings Digital Penetration Advance Mix 3004 Gold Loans 3849 28.1% 2290 SME Loans 2296 0.3% 26.2% 317 MSME Loans 257 19.0% 9.4% 2884 Corporate Loans 3204 11.1% 1306 Retail Loans 1132 13.3% 32 Two Wheeler Loans 83 159.4% 663 20.0% 933 Assignment Loans LCBD & TREDS 775 16.9% 26.5% 328 64.8% 36 Agri & MFI Loans 175 381.9% CSB Bank Investor Presentation Q1 FY21 Strategy Q1 FY 21 2.7% 1.4% (Amt in Cr) 6.4% 0.7% 2.1% 19.0% CSB Bank Formerly The Catholic Syrian Bank Ltd. 31.8%#11Company Overview Business Overview Earnings Digital Penetration Strategy YoY -Profit & Loss Account Amt in Cr Q1FY20 Q1FY21 YOY % of Growth Q1FY20 Q1FY21 YoY % of Growth Operating Profit 40.1 129.1 89.0 221.9% Interest Income 355.4 422.6 67.2 18.9% Provision for NPA 9.9 13.8 3.9 39.4% Interest Expense 223.0 237.3 14.4 6.4% Provision for Dep on Inv 0.7 0.5 -0.2 -28.6% Net Interest Income 132.5 185.3 52.8 40.0% Provision for Std Assets -0.7 43.1 43.7 -6257.1% Treasury Profit 2.9 43.5 40.5 1400.0% Other Provisions 0.1 0.2 0.1 100.0% Commission Income 6.1 5.6 -0.5 -8.2% Total Provisions 10.1 57.5 47.4 469.3% Processing Fees 3.2 6.5 3.3 103.1% Profit Before Tax 30.0 71.6 41.5 138.7% Tax 10.5 18.0 7.5 71.4% Bad debts recovered 7.5 9.7 2.2 29.3% Profit/Loss (-) After Tax 19.5 53.6 34.0 174.9% Other Income 10.5 9.0 -1.5 -14.3% Total Non Interest Income 30.2 74.3 44.1 146.0% Net Interest Income grows by 40% YoY Total Net Operating Income 162.7 259.5 96.9 59.5% Non-Interest Income increases by 146% YoY on the back of improved treasury gains Other opex contained by 3.5% Staff Cost 76.5 86.0 9.5 12.4% Operating profit up by 222% Other Opex 46.0 44.4 -1.6 Total Opex 122.6 130.4 7.9 -3.5% 6.4% PBT grows by 138 % even after making extra Covid related provisions totaling Rs 42.6 Crore (included in provision for standard assets) Operating Profit/Loss 40.1 129.1 89.0 221.9% CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#12Company Overview Business Overview Earnings QoQ-Profit & Loss Account Digital Penetration Strategy Amt in Cr Q4FY20 Q1FY21 QoQ % Growth Q4FY20 Q1FY21 QoQ % Growth Operating Profit 107.0 129.1 22.1 20.7% Interest Income 388.9 422.6 33.7 8.7% Provision for NPA 56.0 13.8 -42.3 -75.4% Interest Expense 231.4 237.3 6.0 2.6% Provision for Dep on Inv 24.0 0.5 -23.6 -97.9% Net Interest Income 157.5 185.3 27.7 17.6% Provision for Std Assets 4.2 43.1 38.9 926.2% Treasury Profit Other Provisions 0.2 0.2 13.3 43.5 30.2 227.4% Total Provisions 84.3 57.5 -26.8 -31.8% Commission Income 10.7 5.6 -5.1 -47.5% Profit Before Tax 22.7 71.5 48.9 215.4% Processing Fees 13.6 6.5 -7.1 -52.2% Tax 82.4 18.0 -64.3 -78.2% Bad debts recovered 19.6 9.7 -9.9 -50.6% Profit/Loss (-) After Tax -59.7 53.6 113.2 Other Income 29.4 9.0 -20.4 -69.4% Total Non Interest Income 86.6 74.3 -12.3 -14.2% Total Net Operating Income 244.1 259.5 15.4 6.3% Staff Cost 79.0 86.0 7.1 Other Opex 58.2 44.4 -13.8 Total Opex 137.1 130.4 Operating Profit/Loss 107 129.1 -6.7 22.1 9.0% -23.6% -4.9% 20.7% ❖ Operating profit up by 21% Net Interest Income grows by 18% Other opex contained by 24% PBT grows by 215 % even after making extra Covid related provisions totaling Rs 42.6 Crore (included in provision for standard assets) Highest quarterly PAT of Rs 53.6Cr CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#13Company Overview Business Overview Earnings Balance Sheet - Q1 FY 21 Digital Penetration Strategy 30.06.2019 30.06.2020 YoY (%) 31.03.2020 Amt in Cr QoQ (%) Liabilities Capital Share Warrant Reserves & Surplus Deposits 86.0 173.5 101.7% 173.5 0.0% 651.3 -100.0% 713.9 1,840.7 157.8% 1,787.20 3.0% 15,196.8 16,337.9 7.5% 15,790.70 3.5% Of Which CASA 4,271.9 4,775.6 11.8% 4,606.60 3.7% Borrowings 0.0 1,628.0 794 105.0% Other Liabilities & Provisions 536.7 536.3 -0.1% 318.9 68.2% Total 17,184.7 20,516.5 19.4% 18,864.3 8.8% Assets Cash & Balance with RBI 702.2 555.6 -20.9% 547.8 1.4% Balance with Banks & Money 281.5 754.1 167.9% 391.6 92.6% at call & Short Notice Investments 4,225.7 6,718.7 59.0% 5,359.8 25.4% Advances Fixed Assets Other Assets 10,605.2 11,228.7 5.9% 11,366.4 -1.2% 216.2 226.9 4.9% 228.3 -0.6% 1,153.8 Total 17,184.7 1,032.6 20,516.5 -10.5% 970.4 6.4% 19.4% 18,864.3 8.8% CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#14Company Overview Business Overview Gross NPA: Movement Opening Balance of Gross NPA Additions Sub-total (A) Less:- Earnings Digital Penetration Asset Quality Q1 FY20 (3 months) Q2 FY20 (3 months) QoQ movement Q3FY20 (3 months) Q4 FY20 (3 months Q1 FY21 (3 months) 530.6 513.4 326.2 352.6 409.4 32.0 60.7 52.7 83.2 5.5 562.6 574.1 378.9 435.8 414.9 Strategy (i) Upgradations 6.8 10.5 9.0 7.1 6.3 (ii) Recoveries (excluding recoveries made from upgraded accounts) 39.2 25.6 16.2 17.3 7.2 (iii) Technical/Prudential Write-offs 0.0 205.6 0.0 0.0 0.0 (iv) Write-offs other than those under (iii) above Sub-total (B) 3.2 6.2 1.1 1.9 0.4 49.2 247.9 26.3 26.4 13.9 Closing balance of Gross NPA (A - B) 513.4 326.2 352.6 409.4 401.0 CSB Bank Investor Presentation Q1 FY21 Amt in Cr CSB Bank Formerly The Catholic Syrian Bank Ltd.#15Company Overview Business Overview Earnings Net Interest Income ↑ 40% YoY 147 155 158 132 Profitability Ratios NIM (Annualised) 17% QoQ 4.06% 3.87% 185 3.69% 3.73% 3.45% Digital Penetration Strategy Amt in Cr Non interest Income to Total Income 12.6% 11.5% 7.8% 18.2% 14.9% Q1 FY20 Q2 FY20 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q3 FY20 Q4 FY20 Q1 FY21 *NIM NII/Avg interest earning assets Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Opex to Average assets (Annualised) Credit Cost (Annualised) RoA (Annualised) 2.97% 2.79% 2.98% 2.83% 2.04% 2.49% 1.28% 0.72% 0.37% 1.03% 0.45% 0.53% 0.60% *0.54% 0.48% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 CSB Bank Investor Presentation Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 *Ex tax effect -1.24% CSB Bank Formerly The Catholic Syrian Bank Ltd.#16Company Overview Net NPA Business Overview Net NPA % 2.04% 1.96% 1.98% 1.91% 1.74% 217 222 214 217 195 Earnings Asset Quality Ratios Digital Penetration Strategy -Gross NPA % Amt in Cr Gross NPA 4.71% 3.54% 3.51% 3.22% 2.86% 513 409 401 326 353 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Provision Coverage Ratio Slippage Ratio Recovery Rate 80.31% 80.02% 79.88% 79.45% 81.73% 0.75% 0.55% 0.50% 0.31% 0.05% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 CSB Bank Investor Presentation Q1 FY21 7% 5% 5% 5% 2% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#17Company Overview Business Overview Earnings Digital Penetration Strategy EPS (Annualised) Share Holders Return & Risk Ratios Net NPA to Net worth Amt in Cr RoE (Annualised) 12.35 9.10 6.96 6.52 22% 11.80% 14% *6.06 13% 13% 6.09% 6.37% 6.13% 12% *5.74% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 (13.76) Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 *Ex tax effect Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 -13.02% *Ex tax effect Efficiency Ratios Business Per Employee (Cr) Profit Per Employee (Lakhs) (Annualised) Cost to Income Ratio 75.34% 6.42 68.47% 8.98 8.36 8.55 8.62 8.52 2.63 3.06 3.51 *3.30 65.99% 56.17% 50.26% Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 *Ex tax effect (7.49) Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#18Company Overview Business Overview Earnings COVID 19 - Status Moratorium details as on 30.06.2020 Rs 689 Cr Rs 859 Cr Rs 680 Cr 20% 13% 27% ooo 87% SME 80% WSB 73% Retail Rs 1864 Cr Rs 3448 Cr Rs 5239 Cr WSB includes Corporate loans, Assignmnet loans & LCBD ■ Moratorium Availed ■ Not Availed Digital Penetration Strategy 82% Rs 9870 Cr Total Portfolio 18% Rs 2228 Cr CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#19Company Overview 1,891 Installations BHARATOR 国 1,409+ QR Installations Just pay International Debit Card Business Overview Earnings Digital Touch Points Digital Penetration PLATINUM Internet Banking 6000 0000 0000 0001 XXXX 11/12 12/14 RuPay CARDHOLDER NAME DEBIT 6.20 lacs + Debit Cards Ꮆ DIEBOLD www Strategy = CSBMobile+ CSB Bank SAVINGS BANK Available Balance 43,981.06 C Accounts Payments Value Added Services 2.5 lacs+ Net Banking users 306 ATM Network RuPay PREPAID BHIM Play App Store 58,228+ ePassbook Google Play Downloads 78,288+Prepaid Cards 1.20 lac+ UPI Downloads TU DUST IN WUNC just pay. No cash in Wanet; just pay. CSB Bank Investor Presentation Q1 FY21 GITAL Bill Payments Deposits Offerings محمدا Loans and Advances Recharges ASBA Scan to Pay Quick Pay Refer a Friend N 2.20 lacs+ Mobile Banking Users CSB Bank Formerly The Catholic Syrian Bank Ltd.#20Company Overview Business Overview Earnings Channel transactions Digital Penetration Strategy Digital vs Branch 47 No. of txns 28 27 Q1 FY 20 Q 1 FY 21 35 (In lakh) (In lakh) 19 15 20 28 20 Mobile Banking 1 2 20 20 Internet Banking 3 3 12 Debit Cards 19 15 UPI 12 27 3 3 2 1 Branch txns 28 20 Mobile Banking Internet Banking Debit Cards UPI Branch txns Q1 FY 20 (in lakh) Q1 FY 21 (in lakh) No.of txns Total Channel Transactions 35 47 No.of txns Q1 FY 20 No.of txns Q1 FY 21 (in lakh) (in lakh) ADC txns Branch txns % of channel txns 55.55% 71.05% CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#21Company Overview Business Overview Earnings Digital Penetration Strategy CSB Mobile+ App - Way to Go Digital Mobile Banking signups 87218 43311 143862 Upcoming Digital Projects 211462 200355 e-Filing CSB E-Tax Filing LOYALTY POINTS CHA Chatbot in Mobile App FY 17 FY 18 FY 19 FY 20 Q1 FY 21 B BHARAT BILLPAY BBPS in Net/Mobile Banking FASTSQ Loyalty Rewards program for customers Tap & Pay Cards (Contactless) FASTag /National Electronic Toll Collections Full fledged application ranging from fund Transfers ,Recharges, Scan & Pay payments to UPI • 'Refer & Win' attractive cashbacks Best UI & UX Design G CSB Bank Investor Presentation Q1 FY21 Up gradation of CSB Mobile+ with Collect payments CSB Bank Formerly The Catholic Syrian Bank Ltd.#22Company Overview Business Overview Earnings Digital Penetration Strategy We aim to - deliver long term value for the shareholders, grow with the aspirations of our customers, - provide employees with a meritocratic work environment, meet the regulatory expectations. Through -expanding our footprints across India especially South and Western India, extending into new clientele base in retail and MSME reorganising into business verticals with clearly defined roles and responsibilities, - incentivising performance, - maintaining a granular asset portfolio with reduced focus on corporate credit, - competing on non price value propositions, - maintaining robust capital, funding and liquidity base, -strong balance sheet with strong controls. CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#23Company Overview Business Overview Earnings Digital Penetration Strategy Anchors ⚫Verticalisation . • PMS • Rewards & Recognition • Upskilling • Process Simplification SME Corporate Commercial Deo n ° Transaction Barg, Investment Bag Cash Manage ht Derivatives WC Credit Trade Finance Term Loans LAP Agri & MFI CA TASC SA NRI TD WM Gold, Banca MSME Education Loans, Unsecured Loans Housing Loan RA R @ CSB Bank Investor Presentation Q1 FY21 " Accelerators • Fresh Blood Infusion Branch network expansion Improve TAT • Digital Transformation * Quick replication of successful models across geographies " Branding Cross Selling CSB Bank Formerly The Catholic Syrian Bank Ltd.#24Thank You... CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.#25Disclaimer This presentation has been prepared by CSB Bank Limited (the "Bank") solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No information contained herein has been independently verified by anyone else. 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 should 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. 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 and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein. 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 constitutes a judgment 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, 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. CSB Bank Investor Presentation Q1 FY21 CSB Bank Formerly The Catholic Syrian Bank Ltd.