#1ဌာ CSB Bank Investor Presentation Q1 FY 22 CSB Bank#2Company Overview Improved Profitability Business Overview Key Information Cost and Revenue Growth Momentum Earnings Digital Penetration Well Capitalised & Strong Liquidity Asset Quality Position Strategy • A century Organisation young • 517 Branches & 335 ATMs/CRMS • 9 Zonal Offices • 1.7Mn+ happy customers Presence in 16 states & 4 UTS • Total business of *PAT of Rs 61 Cr -up by 42% QoQ and 14% YoY *PBT up by 41% QoQ and 14% YoY *Operating * NII growth of 45% YOY *Advances grew by 23% YoY *Strong capital *Non interest comfort with a CRAR of 21.63% as on 30.06.2021 *GNPA ratio of 4.88% as 30.06.2021 • on *Deposits grew by income up by 3% 14% YoY YOY *Tier | ratio of 20.24% *CASA Ratio *Net NPA ratio of 3.21% on 30.06.2021 • as * Non Profit surges to Rs 180 Cr -up by 39% on QoQ and YoY basis income interest excluding treasury profit up by 84% YoY reached to 33% * Digital Penetration increases to 86% *Strong liquidity & LCR of 171% *Comfortable leverage ratio 8.37% *PCR of 70% as on 30.06.2021 CSB Bank Investor Presentation Q1 FY22 Over Rs 33500 Cr 6 bancassuance tie ups with industry leaders. CSB Bank#3Company Overview Business Overview 129 Operating Profit QoQ 173 182 || 180 129 Earnings Profitability Ratios Digital Penetration 54 54 Strategy 69 Net Profit QoQ Amt in Cr 61 53 43 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Operating Profit YoY 37 180 129 2 Q1 FY18 Q1 FY19 Q1 FY20 Q1 FY21 Q1 FY22 Net Profit YoY 20 Q1 FY18 01 FY19 CSB Bank Investor Presentation Q1 FY22 61 54 01 FY20 01 FY21 Q1 FY22 -14 -16 CSB Bank#4Other 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 Earnings Prudential Provisioning Policy Digital Penetration Strategy RBI Norms Our Norms 15% 25% 25% 50% 25% 50% Unsecured 100% 100% Prudential Provisions in excess of RBI requirement Secured (1st Year) 40% 100% Secured (2nd Year) 40% 100% Amount (in Cr) Unsecured 100% 100% NPA Provision 188 Additional Std asset provision 104 Secured/Unsecured 100% 100% SR Provision 6 Secured/Unsecured 100% 100% Total 298 After Tax Impact 223 RBI Norms Accounting Treatment ⚫0.25% to 1% based on the nature of advance • Provided as per RBI Norms . Provisions for Standard Assets Provisions for Security Receipts Depreciation can be netted with appreciation of individual scrips in the same category Additional provisioning buffer created in view of the COVID scenario Appreciation of individual scrips not netted CSB Bank Investor Presentation Q1 FY22 CSB Bank#5Company Overview Business Overview Earnings Branch Distribution State % distribution KERALA 51% TAMIL NADU 16% 16% MAHARASHTRA 10% 1(1) 3(3) KARNATAKA OTHERS 7% 16% 2(2) 12(4) 4(4) 4(4) 8(5) 3(1) 2(1) 1(1) 1(1) 50 (30) 8(3) 3(2) 31(3) 34(17) 264 (181) Population No of Branches Metropolitan 99 Urban 111 86(69) Semi-urban 266 Rural 41 2(2) Grand Total 517 Legend: Branches (ATM) CASA 9% 4% 8% Q1 FY ៩ ៤ ន Digital Penetration 6% Strategy Gold Loans 8% 13% Q1 FY 22 38% 33% 63% Total Deposits 9% 4% 8% 15% Q1 FY 22 Total Advances 7% 13% 21% Q1 FY 22 31% 63% 28% Kerala Tamilnadu Maharashtra Karnataka Others CSB Bank CSB Bank Investor Presentation Q1 FY22#6Company Overview Business Overview Earnings Digital Penetration Strategy No of Shares - Category FIHM promoter & Promoter Group SBI Mutual Funds Other Mutual Funds No of Shareholders Share Holding Pattern % of Holding % of Share Holding Held(in Mio) 1 86.26 49.72% 1 8.72 5.03% 30.76% 8 6.59 3.80% Alternate Investment Funds 2.86 1.65% Foreign Portfolio Investors 13 9.5 5.47% 49.72% Q1 FY 22 Fis/banks/ Insurance Companies 2 1.2 0.69% Shares held by CSB ESOS Trust 1 5 2.88% 2.88% Others 47103 53.36 30.76% 0.69% 5.47% Total 47133 173.49 100.00% 1.65% 3.80% 5.03% FIHM - promoter & Promoter Group Other Mutual Funds Foreign Portfolio Investors Shares held by CSB ESOS Trust SBI Mutual Funds Alternate Investment Funds Fis/ banks/Insurance Companies Others CSB Bank Investor Presentation Q1 FY22 CSB Bank#7Company Overview Business Overview Earnings Digital Penetration Strategy Solid CRAR & Adequate Liquidity - Our Strength Capital Adequacy Ratio 21.02% 21.37% 21.63% 19.69% 18.93% 19.77% 19.96% 20.24% 18.44% 17.93% RWA to Total Assets 46.74% Amt in Cr 42.80% 41.98% 42.11% 40.20% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Risk Weighted Assets 1115 1115 1115 1115 805 2299 1571 583 1705 916 Liquidity Coverage Ratio 232% 234% 200% 167% 171% 7907 7550 6175 6472 6610 Q1 FY21 Q2 FY21 ■Credit Risk Q3 FY21 Q4 FY21 Q1 FY22 ■Market Risk Operaional Risk Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank Investor Presentation Q1 FY22 CSB Bank#8Company Overview Total Deposits Business Overview Earnings (Amt in Cr) Cost of Deposits Digital Penetration 16338 17468 14% 17753 19140 18653 Strategy CASA Ratio 32.19% 33.09% 30.38% 29.23% 29.39% 5.48% 5.18% 4.91% 4.76% 4.48% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 4776 11562 5134 12334 5393 12360 12978 12481 6.64% 6.39% 6.03% 5.93% 5.52% 24% 24% NR Deposits 24% 23% 24% 3.06% 2.62% 2.54% 2.54% 2.60% 10% 4,387 6162 6172 4,307 4,181 4,132 3,982 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CASA Term Deposits Savings Accounts Term Deposits Total Deposits Q1 FY21 Q2 FY21 NR deposits Q3 FY21 CSB Bank Investor Presentation Q1 FY22 Q4 FY21 Q1 FY22 NR to total deposits CSB Bank#9Company Overview Business Overview Total Gross Advances + Non SLR Bonds (Amt in Cr) 19% 16668 15811 15357 1280 14698 948 1302 13291 1,287 74.05% 1,193 12098 14863 Earnings Gross CD Ratio Digital Penetration Strategy Yield on Advances 11.28% 10.94% 10.98% 80.40% 10.74% 79.68% 10.62% 79.17% 76.78% Q1 FY21 Q2 FY21 Q3 FY21 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Yield on Non SLR Bonds 10.61% 10.14% 10.14% 10.08% 9.88% Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Combined Yield 10.73% 10.87% 10.91% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 ■Total Advances Total Non SLR Bonds Q1 FY21 Q2 FY21 CSB Bank Investor Presentation Q1 FY22 11.19% 10.57% Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank#10Company Overview Business Overview Earnings 10.0% 29.0% 6.4% 0.7% 2.7% Q1 FY 21 1.4% 2.5% Advance Mix Digital Penetration 8840 Gold Loans 5627 47% 1874 SME Loans 1959 4.3% 5% 31.7% 1.2% 304 MSME General Loans 278 9% 2 MSME New Loans 75 3650% 7.8% 3509 Corporate Loans 3900 11% 1209 Retail Loans 1162 4% 83 Two Wheeler Loans 173 108% 775 Assignment Loans 632 19% 26.2% 15.5% 328 LCBD & TREDS 507 55% 174 Agri & MFI Loans 550 216% CSB Bank Investor Presentation Q1 FY22 Strategy Q1 FY 22 3.4% 3.7% (Amt in Cr) 13.2% 37.9% 0.5% 1.9% * Vertical wise portfolios are Realigned at the beginning of the FY. CSB Bank#11Company Overview Business Overview Portfolio Movements Earnings Gold Loan - Our DNA Portfolio Quality Digital Penetration 47% YoY 8% QoQ Quarterly Yield Overall LTV 6131 5644 5627 14.35 4949 3799 3849 3513 3367 3004 ill 11.50% 77% 88 6.45% 16.40 T Strategy Tonnage 16.40 14% Q1 FY21 Q1 FY22 No of Accounts (in Lakhs) 4.76 24% 3.83 Q1 Q2 Q3 Q4 FY20 FY20 FY20 FY20 FY21 Q1 Q2 Q3 FY21 FY21 Q4 FY21 Q1 FY22 NPA % Tonnage Q1 FY21 CSB Bank Investor Presentation Q1 FY22 Q1 FY22 (Amt in Cr) CSB Bank#12Company Overview Services 32% Industry 14% Business Overview Earnings Sector Wise Exposure Sector Wise Exposure Agriculture and Allied Activities 25% Digital Penetration Strategy Industries % to Gross advances Textiles 3.28% Retail & Food Processing 2.63% Infrastructure 1.81% Others Construction 1.56% Services % to Gross advances 29% NBFCs Petroleum (non-infra), Coal Products (non-mining) and Nuclear Fuels 1.02% Wholesale & Retail Trade 9.75% 5.23% Vehicles, Vehicle Parts and Transport Tourism, Hotel and Equipments 0.68% Restaurants 2.86% Commercial Real Estate 2.58% All Engineering 0.48% Computer Software 0.48% Chemicals and Chemical Products (Dyes, Paints, etc 0.38% Transport Operators 0.36% Professional Services 0.15% Basic Metal and Metal Products 0.32% Other Services 10.04% Paper and Paper Products 0.26% Gems and Jewellery 0.24% Beverages (excluding Tea & Coffee) and Tobacco 0.16% Wood and Wood Products Others 0.15% 0.73% CSB Bank Investor Presentation Q1 FY22 CSB Bank#13Company Overview Business Overview Earnings Digital Penetration Strategy Total Investments (Excl RIDF) Investments 7800 6820 5911 6250 6165 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Yield on Investments (%) 6.74 6.64 7.00 6.94 M Duration 6.38 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank Investor Presentation Q1 FY22 HTM 60% AFS 40% HFT AFS HTM Total 0.00% 0.55% 5.62% 3.81% CSB Bank (Amt in Cr)#14Company Overview Business Overview 32% Earnings Digital Penetration Strategy External Rating of Corporate Accounts (>25Cr) 7% 7% 5% 7% Rating wise Exposure Internal Rating of SME accounts 8% 0% 5% 93% of Corporate advances Q4 FY21 33% 55% 54% are externally rated of which 54% are having A & above rating. Q1 FY22 ■ A & Above ■ BBB ■ <BBB Others 05% 8% 52% 52% 35% 34% Q4 FY21 87% of SME advances are rated as Low/Medium risk categories Q1 FY22 ■Low ■ Medium ■ High ■ Very High Others CSB Bank Investor Presentation Q1 FY22 CSB Bank#15Company Overview Business Overview Earnings Profit & Loss Account - Q1 FY 22 Digital Penetration Strategy Amt in Cr Q4FY21 Q1FY22 QoQ Q1FY21 YoY Q4FY21 Q1FY22 QoQ Interest Income 497.1 495.3 -0.4% 422.6 17.2% Operating Profit 129.0 179.8 39.4% Q1FY21 129.1 YOY Provision for NPA 90.6 104.2 15.0% 13.8 39.3% 657.7% Interest Expense 221.4 227.5 2.7% 237.3 -4.1% Provision for Dep on Inv 17.7 -1.9 -110.9% 0.5 Net Interest Income 275.7 267.8 -2.9% 185.3 44.5% Provision for std advances -37.1 -4.0 43.1 Treasury Profit 1.5 19.5 1190.6% 43.5 -55.1% Other Provisions -0.3 0.2 Commission Income 15.9 9.7 -39.4% 5.6 72.4%D Total Provisions 70.9 98.3 38.5% 57.5 70.8% Profit Before Tax 58.0 81.5 40.5% 71.6 13.9% Processing Fees 18.2 9.1 -49.9% Bad debts recovered 30.8 Other Income 45.9 7.0 -77.3% 31.0 -32.5% Total Non Interest Income 112.3 Total Net Operating Income 388.0 Staff Cost 178.6 Other Opex Total Opex 80.4 259.1 Operating Profit/Loss 129.0 76.3 -32.1% 344.0 -11.3% 97.2 -45.6% 67.0 -16.6% 164.3 -36.6% 179.8 39.4% 6.5 9.7 9.0 244.6% 74.3 2.7% 259.5 32.6% 86.0 13.0% 44.4 50.9% 130.4 25.9% 129.1 39.3% 40.0% Tax 15.1 20.5 35.7% 18.0 14.0% -27.9% Profit/Loss (-) After Tax 42.9 61.0 42.2% 53.6 13.9% NII up by 45% YoY & 3% down QoQ (Gold Loan NPA - Interest reversal of Rs 24Cr in Q1 FY22) Treasury profit down by 55% YoY - Non interest income excluding treasury profit up by 84% Staff Cost increased by 13% YoY - No of employees increased by 36% Other Opex up by 51% YoY due to increase in Rent, depreciation etc. Operating profit of Rs 180 Cr as on Q1 FY 22 - up by 39% YoY & QoQ Net profit of Rs 61 Cr which is higher than Q1FY21 & previous quarter CSB Bank Investor Presentation Q1 FY22 CSB Bank#16Company Overview Business Overview 30.06.2020 Earnings Balance Sheet - Q1 FY 22 Digital Penetration 30.06.2021 YoY (%) 31.03.2021 Strategy Amt in Cr QoQ (%) Liabilities Capital Reserves & Surplus Deposits Of Which CASA Borrowings 173.5 173.5 0.0% 173.5 0.0% 1,840.7 2,069.5 12.4% 2,006.7 3.1% 16,337.9 18,652.8 14.2% 19,140.0 -2.5% 4,775.6 6,171.7 29.2% 6,161.8 0.2% 1,628.0 1,313.5 -19.3% 1,425.9 -7.9% Other Liabilities & Provisions 536.3 462.4 -13.8% 591.2 -21.8% Total 20,516.5 22,671.7 10.50% 23,337.4 -2.85% Assets Cash & Balance with RBI 555.6 860.2 54.8% 736.1 16.9% Balance with Banks Money at call & Short Notice 754.1 681.1 -9.7% 977.9 -30.3% Investments 6,718.7 6,054.7 -9.9% 6,126.0 -1.2% Advances 11,228.6 13,817.2 23.1% 14,438.1 -4.3% Fixed Assets Other Assets 226.9 271.3 19.6% 269.5 0.7% 1,032.6 987.1 -4.4% 789.7 25.0% Total 20,516.5 22,671.7 10.50% 23,337.4 -2.85% CSB Bank Investor Presentation Q1 FY22 CSB Bank#17Company Overview Business Overview Gross NPA: Movement Opening Balance of Gross NPA Additions Sub-total (A) Less:- (i) Upgradations (ii) Recoveries (excluding recoveries made from upgraded accounts) (iii) Technical/Prudential Write-offs (iv) Write-offs other than those under (iii) above Sub-total (B) Closing balance of Gross NPA (A - B) Earnings Digital Penetration Asset Quality QoQ movement Q1FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 (3 months) (3 months (3 months) (3 months) (3 months) 409 401 387 235 393 6 188 435* 415 405 388 423 829 Strategy 69 2 3 2 20 7 15 15 26 36 134 86 1 1 2 14 17 153 29 142 401 387 235 393 686 *Of which Gold loans Rs 337Cr Amt in Cr CSB Bank Investor Presentation Q1 FY22 CSB Bank#18Company Overview Business Overview Earnings Digital Penetration Strategy Amt in Cr 4% Slippages - MoM Trends 5% Gold Loans - Asset Quality Recovery - MoM Trends 46% 62% 3% 274 269 Slippage Month on Month 268 187 20% 144 Recovery Month on Month 9 Apr-21 May-21 Slippage Slippage Rate Jun-21 Apr-21 May-21 Jun-21 Recovery Recovery Rate • Downward trend in slippages with the easing of Covid related restrictions Stable gold market trends and the centralization of recovery processes is supporting collections. Centralisation includes - Dedicated call center, E-auction, Offsite Verification, Customer intimation CSB Bank Investor Presentation Q1 FY22 CSB Bank#19Company Overview Business Overview Earnings Profitability Ratios Digital Penetration Strategy Net Interest Income (in Cr) NIM(Annualised) Non interest Income to Total Income 276 268 251 19.46% 18.35% 229 4.06% 4.50% 5.17% 5.42% 5.14% 17.20% 14.90% 185 13.35% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 *NIM NII/Avg interest earning assets Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Opex to Average assets (Annualised) Credit Cost (Annualised) ROA (Annualised) 4.62% 3.41% 2.49% 2.74% 2.74% 2.93% 1.22% 2.63% 1.03% 0.96% 1.03% 1.73% 0.77% 0.70% 0.48% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank Investor Presentation Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank#20Company Overview Business Overview Gross NPA Gross NPA % 4.88% 3.51% 3.04% 2.68% 686 1.77% 401 387 393 235 Earnings Asset Quality Ratios Digital Penetration Net NPA Strategy Amt in Cr Net NPA % 3.21% 444 1.74% 1.30% 1.17% 0.68% 195 164 169 89 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Provision Coverage Ratio Slippage Ratio Recovery Rate 81.73% 84.24% 91.03% 84.89% 70.20% 5.76% 12.20% 3.74% 3.92% 1.76% 10.95% 9.10% 0.20% 0.13% 0.01% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank Investor Presentation Q1 FY22 CSB Bank#21Company Overview Business Overview EPS (Annualised) Earnings Share Holders Return & Risk Ratios 15.88 14.08 12.35 12.24 9.88 (in Rs) Digital Penetration Net NPA to Networth Strategy 22.45% 11.60% 9.26% 8.92% 4.89% Q1 FY21 Q2 FY21 Q1 FY21 Q3 FY21 Q2 FY21 Q4 FY21 Q3 FY21 Q1 FY22 Q4 FY21 Q1 FY22 ROE (Annualised) 14.40% 11.80% 12.37% 12.65% 9.34% Book Value per Share 120 117 114 111 107 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank Investor Presentation Q1 FY22 CSB Bank (in Rs)#22Company Overview Business Overview Earnings Efficiency Ratios Business per Employee (Annualised) (In Cr) 8.52 8.38 8.26 7.96 7.43 Digital Penetration Strategy Profit per Employee (in Lakhs) 7.48 6.42 5.34 5.48 4.11 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Staff Cost to Total Income Cost to Income Ratio 29.47% 66.77% 50.26% 21.33% 47.13% 50.42% 47.74% 17.31% 18.28% 17.01% Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 CSB Bank Investor Presentation Q1 FY22 CSB Bank#23Company Overview 1,697 Installations BHARATOR 国 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 5.81 lacs + Debit Cards DIEBOLD www Strategy = CSBMobile+ CSB Bank SAVINGS BANK Available Balance 43,981.06 C Accounts Payments Value Added Services 3.28 lacs+ Net Banking users 335 ATM Network RuPay‣ PREPAID BHIM Bill Payments Deposits Offerings محمدا Loans and Advances Recharges ASBA Play App Store 2,819+ QR 71,280+ ePassbook Google Play Installations Downloads 78,660+Prepaid Cards Scan to Pay M Quick Pay Refer a Friend 1.21 lac+ UPI Downloads GITAL Just pay TU DUST IN WUNC just pay. No cash in Wanet; just pay. N CSB Bank Investor Presentation Q1 FY22 2.98 lacs+ Mobile Banking Users CSB Bank#24Company Overview Business Overview Earnings Channel Transactions Digital vs Branch Digital Penetration Strategy Amt in Lakh No. of txns 90.0 66.0 3M FY 21 3M FY 21 Mobile Banking 2.6 2.6 Internet Banking 2.8 3.6 47.9 Debit Cards 27.5 15.1 17.8 19.619.1 17.8 15.1 UPI 19.6 19.1 27.5 66.0 2.6 2.6 2.8 3.6 Branch txns 19.6 19.1 ADC Txns Branch Txns Mobile Banking internet Banking ATM-Debit Cards UPI Branch manual Txns Total Channel Transactions No of Txns (FY21 3M) No of Txns (FY22 3M) No of Txns (FY21 3M) No of Txns (FY22 3M) % of channel txns 47.0 90.0 70.6% 85.6% CSB Bank Investor Presentation Q1 FY22 CSB Bank#25Company Overview 43311 Business Overview CSB Mobile+ App - Way to Go Digital Mobile Banking Users 298000 277400 200355. 143862. 87218. الس Earnings Digital Penetration Upcoming Digital Projects Strategy • Cardless Cash Withdrawal in ATM • NETC FASTag BBPS up-gradation in Netbanking /Mobile banking • CSB Chat Bot • POS - new tie-ups FY17 FY18 FY19 FY20 FY21 3M FY22 • Credit Cards Full fledged application ranging from fund Transfers ,Recharges, Scan & Pay payments to UPI • 'Refer & Win' attractive cashbacks Best UI & UX Design CSB Bank Investor Presentation Q1 FY22 CSB Bank#26Company 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 FY22 CSB Bank#27Thank You... CSB Bank Investor Presentation Q1 FY22 CSB Bank#28Disclaimer 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 FY22 CSB Bank