#1INVESTOR PRESENTATION Q2-FY24/September 2023 CSB Bank Trusted Heritage Smart Future#2Company Overview Business Overview Earnings Digital Penetration Strategy 100 Years+ A Century Young Organization *as on date *734 Branches and 546 ATM/CRMS Presence in 16 States and 4 UTS Happy Customers Business Branches/ATMs 2.1 Million+ Happy Customers Total Business Crossed Rs 47,900 Cr Network 7 Bancassurance Tie ups with Industry Leaders Banca Tie-Ups CSB Bank Investor Presentation Q2 FY24 2 CSB Bank Trusted Heritage Smart Future#3Company Overview Business Overview PAT Profitability Rs 133 Cr Growth ↑ 10% YoY Deposits Rs.25438 Cr ↑ 21% YoY NII Earnings Rs. 344 Cr ↑ 6% YoY Gross Advances Rs. 22468 Cr ↑ 27% YoY ROA* 1.73 % ↓14 bps YoY Business Rs. 47906 Cr ↑ 24% YoY Digital Penetration NIM 4.84% ↓76 bps YoY Gold Rs 10619 Cr ↑ 32% YoY Strategy EPS* Rs 30.45 ↑ Rs 2.88 YoY CD Ratio (Net) 87.49% ↑ 425 bps YoY Capital/ Liquidity Asset Quality CRAR 23.96% ↓118 bps YoY GNPA Rs.285 Cr Rs 6 Cr YoY Tier I 22.56% BVPS Rs 191 LCR 109% NSFR 143% ↓107 bps YoY ↑ Rs 33 YoY GNPA % 1.27% NNPA 72 Cr Rs 27 Cr YoY ↓38 bps YoY NNPA % 0.33% ↓24 bps YoY PCR 91.75% ↑ 161 bps YoY YOY-Q2 FY23 Vs Q2 FY24 * Annualised CSB Bank Investor Presentation Q2 FY24 3 CSB Bank Trusted Heritage Smart Future#4Company Overview Business Overview Earnings Digital Penetration Strategy 193 157 Operating Profit QoQ Q2 FY23 Q3 FY23 79 Profitability 202 181 175 121 156 Net Profit QoQ Amt in Cr 156 132 133 Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Net Profit YoY Q4 FY23 Operating Profit YoY 356 324 312 238 265 235 180 122 44 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 4 CSB Bank Trusted Heritage Smart Future#5NPA Provision Company Overview Business Overview Earnings Prudential Provisioning Policy Digital Penetration Strategy Asset Classification RBI Norms Our Norms Secured 15% 25% Sub Standard Assets Prudential Provisions Amount (in Cr) Unsecured 25% 50% NPA Provision 67 Doubtful Assets Secured 25% 50% (Up to one year) Others 106 Unsecured 100% 100% Total 173 Doubtful Assets (One to three years) Doubtful Assets (More than three years) Loss Assets Secured 40% 100% Tax 43 Unsecured 100% 100% After Tax Impact 130 Secured/Unsecured 100% 100% Secured/Unsecured 100% 100% CSB Bank Investor Presentation Q2 FY24 5 CSB Bank Trusted Heritage Smart Future#6Company Overview Business Overview Branch Distribution Earnings CASA 4% 1% % distribution 9% State Sep-22 Sep-23 15% KERALA 43% 37% TAMIL NADU 19% 17% ANDHRA 9% 11% Q2 14% MAHARASHTRA 10% 10% FY 1(1) 10(3) 2(1) KARNATAKA 7% 6% 24 OTHERS 12% *19% 12(2) 29(22) *Telangana up by 2% 57% 8(5) 11(6) 20(8) 6(5) 2(1) Total Deposits 5% 1% 1(1) 1(1) 15% 69(57) 24(8) 3(3) 80(22) 45(39) 269 No of Branches Population Sep-22 Sep-23 Q2 Metropolitan 123 162 FY Urban 120 144 17% 24 Semi-urban 318 355 123(126) Rural 47 58 3(2) Grand Total 608 719 སྐྱབ 53% (231) Legend: Branches (ATM) Branch and ATM count as on 30th Sep 2023 Kerala Tamil Nadu Strategy Digital Penetration Gold Loans 7% 34% 5% 13% 8% ៩៤ Q2 FY 24 33% Gross Advances 9% 28% CSB Bank Investor Presentation Q2 FY24 6 23% 6% 7% Q2 12% FY 24 Maharashtra Andhra Karnataka Others 24% CSB Bank Trusted Heritage Smart Future#7Company Overview Business Overview Earnings Digital Penetration Strategy Share Holding Pattern % of Share Holding Category No of Shareholders No of Shares Held % of Holding (in Mio) 28.42% FIHM promoter & Promoter Group 1 86.26 49.72% SBI Mutual Funds 1 16.24 9.36% Other Mutual Funds 10 6.29 3.62% Alternate Investment Funds 6 0.41 0.24% Q2 FY Foreign Portfolio Investors 61 8.06 4.65% 24 2.88% Fis/ banks/ Insurance Companies 1 1.92 1.11% 1.11% Shares held by CSB ESOS Trust 1 5 2.88% 4.65% Others 55448 49.3 28.42% 0.24% 3.62% Total 55529 173.48 100.00% 49.72% ■FIHM - promoter & Promoter Group SBI Mutual Funds Other Mutual Funds Alternate Investment Funds 9.36% ■Foreign Portfolio Investors ■Fls/ Banks/ Insurance Companies ■Shares held by CSB ESOS Trust Others CSB Bank Investor Presentation Q2 FY24 7 CSB Bank Trusted Heritage Smart Future#8Digital Penetration Strategy Company Overview Business Overview Earnings Solid CRAR & Adequate Liquidity - Our Strength Capital Adequacy Ratio 25.14% 25.78% 27.10% 25.99% 23.96% 23.63% 24.27% 25.87% 24.80% 22.56% Amt in Cr RWA to Total Assets 43.06% 41.57% 40.74% 40.12% 38.47% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 CRAR Tier I Risk Weighted Assets Liquidity Coverage Ratio 13531 11699 12206 10489 10216 2094 2653 2653 417 136% 2094 2094 272 120% 119% 118% 290 109% 428 453 9315 9281 10461 7967 7669 Q2 FY23 Q3 FY23 ■Credit Risk Q4 FY23 Market Risk Q1 FY24 Operational Risk Q2 FY 24 Q2 FY 23 Q3 FY 23 Q4 FY 23 Q1 FY 24 Q2 FY 24 CSB Bank Investor Presentation Q2 FY24 8 CSB Bank Trusted Heritage Smart Future#9Company Overview Business Overview Total Deposits (Amt in Cr) 21% 25438 24475 24506 22664 20987 16,620 17990 16,927 15,538 13,794 Earnings CASA Ratio 34.27% 32.18% 31.44% 30.84% 29.28% Digital Penetration Strategy Gross Advances (Amt in Cr) 27% 22,468 20,842 21,307 18,651 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 17,661 Net CD Ratio 86.22% 87.49% 84.27% 83.24% 81.44% 7,193 7,126 7,886 7,548 7448 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 ■CASA Term Deposits Gross Advances CSB Bank Investor Presentation Q2 FY24 9 CSB Bank Trusted Heritage Smart Future#10Company Overview Business Overview Cost of Deposits (QoQ) Earnings Digital Penetration Cost of Deposits (YoY) Strategy 6.88% 6.50% 5.18% 5.24% 5.93% 6.21% 6.43% 5.41% 6.32% 5.12% Term Deposits 4.85% 5.00% 5.91% 5.22% 5.32% 4.18% 4.30% 4.39% 5.11% 4.14% Total Deposits 2.89% 2.93% 2.93% 2.88% 3.90% 2.79% 2.83% 2.62% 2.75% 2.90% Savings Deposits Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 Yield on Advances (QoQ) Yield on Advances (YoY) 11.17% 11.18% 11.02% 10.82% 11.01% 11.04% 10.70% 10.81% 10.88% 10.27% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 10 CSB Bank Trusted Heritage Smart Future#11Company Overview 14% Q2 FY 23 11% 30% Business Overview 45% Retail Loans includes 37% agri, 13% MFI, 18% LAP & 32% Others (incl PL,/TW/HL) Based on the internal business vertical definitions/reclassification excl PWO. Earnings Gross Advance Mix Digital Penetration 8029 Gold Loans 10619 32% Q2 FY 24 5284 Corporate Loans 11% 6162 17% 15% 2407 Retail Loans 3310 38% 27% 1941 SME Loans 2377 22% Strategy 47% (Amt in Cr) Retail Loans includes 27% Agri, 16% MFI, 11% LAP, 11% PL & 35% others (LDR/Cr Cards/AL/TW/HL) CSB Bank Investor Presentation Q2 FY24 11 CSB Bank Trusted Heritage Smart Future#12Company Overview Business Overview Portfolio Movements (Gross) Earnings Gold Loan - Our DNA Portfolio Quality Digital Penetration Strategy (Amt in Cr) Tonnage 24.85 32% YoY 6% QoQ 10,619 10,065 9,694 8,774 8,029 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 Yield 16% LTV 21.40 11.70% 81% Q2 FY23 Q2 FY24 0.34% 24.85 T NPA % Tonnage CSB Bank Investor Presentation Q2 FY24 12 No of Accounts (in Lakhs) 6.41 11% 7.13 Q2 FY23 Q2 FY24 CSB Bank Trusted Heritage Smart Future#13Company Overview Business Overview Earnings Digital Penetration Strategy Investments Net Investments 5734 5504 5849 5751 6692 66 486 512 433 206 6626 5249 5070 5337 5545 Q2 FY23 Q3 FY23 QoQ Q4 FY23 SLR Investment Non SLR Investment Yield on Investments HTM 71.90% Q1 FY24 Q2 FY 24 AFS 25.94% HFT 2.16% YOY 6.50% 6.52% 6.62% 6.34% 5.93% 6.05% 6.19% 6.42% 6.20% M Duration 5.93% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 13 (Amt in Cr) HFT AFS HTM Total 6.48 1.71 5.14 4.26 CSB Bank Trusted Heritage Smart Future#14Company Overview Business Overview Sector Wise Exposure 18% Industries Textiles Earnings Sector Wise Exposure Food Processing Infrastructure 30% 42% 10% ■ Agriculture and Allied Activities ■Industry ■ Services ■Retail & Others Construction Basic Metal and Metal Products Beverages (excluding Tea & Coffee) and Tobacco Chemicals and Chemical Products (Dyes, Paints, etc All Engineering Vehicles, Vehicle Parts and Transport Equipments Rubber, Plastic and their Products Leather and Leather products Paper and Paper Products Gems and Jewellery Wood and Wood Products Cement and Cement Products Mining and Quarrying Other Industries Digital Penetration Strategy % to Gross advances Services % to Gross advances 2.98% NBFCs 9.25% 1.80% HFC 4.97% 0.89% 0.78% Wholesale & Retail Trade 2.70% 0.68% Tourism, Hotel and Restaurants 1.67% Real Estate Activities 1.26% 0.67% Transport Operators 0.59% 0.63% Other Services 0.53% 9.44% CSB Bank Investor Presentation Q2 FY24 14 0.37% 0.23% 0.19% 0.16% 0.11% 0.06% 0.04% 0.01% 0.23% CSB Bank Trusted Heritage Smart Future#15Company Overview Business Overview Earnings Digital Penetration Strategy External Rating of Corporate Accounts (>Rs 25Cr) Rating wise Exposure Internal Rating of SME accounts 3% 9% 10% 11% Q1 FY24 9% 3% 97% of Corporate advances are externally rated of which 78% are having A & above rating. 3% 2% 5% 2% 26% 31% Q1 FY24 77% 78% Q2 FY24 ■A & Above BBB <BBB Others 62% 69% ■Low ■Medium High Very High Others CSB Bank Investor Presentation Q2 FY24 15 95% of SME advances are rated as Low/Medium risk categories Q2 FY24 CSB Bank Trusted Heritage Smart Future#16Company Overview Business Overview Earnings Profit & Loss Account - Q2 FY 24 Digital Penetration Strategy Amt in Cr Q1 FY24 Q2 FY24 QoQ Q2 FY23 YOY Q1 FY24 Q2 FY24 QoQ Q2 FY23 YOY Interest Income 683.5 687.3 1% 555.2 24% Operating Profit 181.4 174.6 -4% 157.4 11% Provision for NPA 3.7 -8.3 -8.7 Interest Expense 319.5 343.6 8% 230.2 49% Other Provisions 1.0 4.9 5.0 Net Interest Income 364.0 343.7 -6% 325.0 6% Total Provisions 4.7 -3.3 -3.7 Treasury Profit 12.2 5.8 -21.4 Profit Before Tax 176.7 178.0 1% 161.1 10% Exchange Profit 2.7 3.6 37% 1.8 101% Tax 44.5 44.8 1% 40.5 10% Processing Fees 35.6 39.2 10% 22.0 79% Profit/Loss (-) After Tax 132.2 133.2 1% 120.5 10% Commission Income 26.7 39.3 47% 25.4 55% NII up by 6% YoY PSLC Income 0.0 0.0 Other Income 44.4 60.6 36% Total Non Interest Income 121.5 148.5 22% Total Net Operating Income 485.6 492.2 1% Staff Cost 176.2 175.7 0% 17.2 44.9 369.9 126.9 253% 230% Non Interest income up by 230% YoY Quarterly Operating Profit of Rs 175 Cr-up by 11% YoY Higher opex due to investments in people, distribution and systems Q2 PAT of Rs 133 Crs- up by 10% YoY 33% 38% Other Opex 128.0 Total Opex 304.1 Operating Profit 181.4 174.6 141.8 11% 317.5 4% -4% 85.6 66% 212.5 157.4 49% 11% CSB Bank Investor Presentation Q2 FY24 CSB Bank 16 Trusted Heritage Smart Future#17Company Overview Business Overview Earnings Profit & Loss Account - H1 FY 24 Digital Penetration Strategy Amt in Cr H1 FY 23 H1 FY24 YOY YoY% H1 FY 23 H1 FY24 YOY YOY% Interest Income Interest Expense Net Interest Income Treasury Profit 1091.1 1370.8 279.72 26% Operating Profit 312.1 356.1 43.98 14% Provision for NPA -9.9 -4.6 5.30 455.5 663.1 207.67 46% Other Provisions 7.8 6.0 -1.84 635.7 707.7 72.05 11% Total Provisions -2.1 1.4 3.46 -11.4 18.0 29.41 257% Profit Before Tax 314.1 354.7 40.52 13% Exchange Profit 4.6 6.3 1.73 38% Tax 79.1 89.3 10.20 13% Processing Fees 29.6 74.8 45.14 152% Profit/Loss (-) After Tax 235.1 265.4 30.32 13% Commission Income 43.3 66.0 22.71 52% NII up by 11% YoY PSLC Income Other Income 33.7 104.9 71.22 211% Total Non Interest Income 99.8 270.0 170.21 171% Total Net Operating Income 735.4 977.7 242.26 33% Staff Cost 247.9 351.9 104.03 42% Other Opex 175.5 269.8 94.25 54% Total Opex 423.4 621.7 198.28 47% Operating Profit 312.1 356.1 43.98 14% Non Interest income up by 171% YoY Operating Profit of Rs 356 Cr - up by 14% YoY Higher opex due to investments in people, distribution and systems PAT of Rs 265 Crs-up by 13% YoY CSB Bank Investor Presentation Q2 FY24 17 CSB Bank Trusted Heritage Smart Future#18Company Overview Business Overview Liabilities Capital Reserves & Surplus Deposits Of Which CASA Borrowings Other Liabilities & Provisions Total Earnings Digital Penetration Strategy Balance Sheet - Q2 FY 24 30-09-2022 30-09-2023 YoY (%) 30-06-2023 Amt in Cr QoQ (%) 173.5 173.5 0% 173.5 0% 2715.2 3299.3 22% 3164.0 4% 20986.6 25438.4 21% 24475.5 4% 7192.8 7447.7 4% 7548.1 -1% 1351.8 1807.0 34% 913.9 98% 516.5 704.6 36% 637.3 11% 25743.6 31422.8 22% 29364.2 7% Cash & Balance with RBI 1,479.6 1,531.7 4% 1,415.3 8% Balance with Banks Money at call & Short Notice 151.0 63.6 -58% 72.3 -12% Investments 5,734.4 6,692.0 17% 5,751.0 16% Advances 17,468.3 22,256.0 27% 21,103.5 5% Fixed Assets 289.1 328.9 14% 319.6 3% Other Assets 621.2 550.6 -11% 702.5 -22% Total 25,743.6 31,422.8 22% 29,364.2 7% CSB Bank Investor Presentation Q2 FY24 CSB Bank 18 Trusted Heritage Smart Future#19Company Overview Business Overview Earnings Digital Penetration Asset Quality QoQ movement Security Receipts Strategy Amt in Cr Q2 FY23 Q3 FY23 Gross NPA Movement Opening Balance of Gross NPA 293 Q4 FY23 (3 months) (3 months) (3 months) 291 Q1 FY24 Q2 FY24 (3 months) (3 months) Q2 Q3 Q4 FY23 FY23 FY23 Q1 Q2 FY24 FY24 271 263 271 Book Value 152 143 143 143 140 Additions Sub-total (A) Less:- 42 26 35 33 54 Net Book Value 13 0 0 0 335 317 306 295 325 Restructured (Standard) 0.41% 0.20% (i) Upgradations 13 10 10 7 14 0.16% 0.14% 0.09% (ii) Recoveries 20 32 29 16 26 (iii) Technical/ Prudential Write-offs 0 73 39 34 29 (iv) Write-offs 11 2 20 Sub-total (B) 44 46 44 25 40 Q2 FY23 Closing balance of Gross NPA (A - B) 291 271 263 271 285 Q3 FY23 Q4 FY23 Restructured (Standard) Q1 FY24 Q2 FY 24 % to gross advances CSB Bank Investor Presentation Q2 FY24 19 CSB Bank Trusted Heritage Smart Future#20Company Overview Business Overview Earnings Profitability Ratios NIM Digital Penetration Strategy Non interest Income to Total Income Net Interest Income (in Cr) QoQ QoQ QoQ 364 5.60% 5.80% 16.56% 17.76% 350 348 5.38% 5.40% 15.10% 13.18% 344 4.84% 7.49% 325 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 YOY Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 YOY 708 636 546 415 280 YOY 5.13% 5.38% 5.12% 4.27% 16.46% 3.08% 10.79% 11.67% 7.50% 8.38% H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 *NIM NII/Avg interest earning assets CSB Bank Investor Presentation Q2 FY24 20 CSB Bank Trusted Heritage Smart Future#21Company Overview Business Overview Earnings Opex to Average assets Profitability Ratios Credit Cost Digital Penetration RoA Strategy QoQ QoQ 0.07% QoQ 2.37% 2.23% 3.80% 3.84% 4.11% 4.12% 1.87% 3.32% Q2 FY23 -0.21% Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 1.79% 1.73% -0.15% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 -0.35% -0.37% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 YOY YOY 4.11% 1.41% 2.88% 3.00% 3.27% 2.62% YOY 1.81% 1.76% 1.53% 1.13% 0.49% 0.13% 0.17% -0.12% -0.04% H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 21 CSB Bank Trusted Heritage Smart Future#22Company Overview Business Overview Gross NPA Gross NPA % Earnings Asset Quality Ratios QoQ 1.65% 1.45% 1.26% 1.27% 1.27% 291 Digital Penetration Net NPA Net NPA % Strategy Amt in Cr QoQ 0.57% 0.42% 0.35% 0.32% 0.33% 99 285 78 72 68 72 271 271 263 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 YOY YOY 2.63% 4.11% 1.96% 2.86% 3.04% 1.30% 1.65% 1.27% 0.57% 370 0.33% 587 222 387 326 164 291 285 99 72 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 22 CSB Bank Trusted Heritage Smart Future#23Company Overview Business Overview Earnings Provision Coverage Ratio QoQ 92.54% 91.93% 92.11% 91.75% QoQ 90.14% Profitability Ratios Slippage Ratio Digital Penetration QoQ Recovery Rate Strategy 1.04% 1.02% 74.96% 74.54% 14.28% 14.67% 14.57% 71.37% 72.65% 0.76% 0.60% 0.63% 11.20% 8.81% 66.03% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY 24 YOY YOY YOY 79.45% 84.24% 90.14% 91.75% 73.48% 5.04% 74.54% 57.79% 66.03% 32.10% 36.94% 1.63% 14.03% 15.44% 17.25% 17.00% 7.09% 0.81% 0.67% 0.14% H1 FY20 H1 FY21 PCR (Incl.write off) H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 PCR (Excl.write off) CSB Bank Investor Presentation Q2 FY24 23 CSB Bank Trusted Heritage Smart Future#24Company Overview Business Overview QoQ 27.57 EPS Earnings Share Holders Return & Risk Ratios Digital Penetration Net NPA to Networth (in Rs) QoQ Strategy 35.66 36.55 30.57 30.45 3.72% 2.76% 2.42% 2.19% 2.24% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 YOY YOY 30.51 27.03 20.65 14.08 17.41% 10.42% 9.26% 7.72 3.72% 2.24% H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 24 CSB Bank Trusted Heritage Smart Future#25Company Overview Business Overview QoQ ROE Earnings Digital Penetration Strategy Share Holders Return & Risk Ratios Book Value per Share QoQ (in Rs) 22.64% 21.96% 18.44% 158 167 176 184 191 17.50% 16.69% Q2 FY23 Q3 FY23 Q2 FY23 Q4 FY23 Q3 FY23 Q1 FY24 Q4 FY23 Q2 FY24 Q1 FY24 Q2 FY24 YOY 4.27% YOY 17.84% 18.49% 17.08% 14.48% 191 158 127 105 111 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 25 CSB Bank Trusted Heritage Smart Future#26Company Overview QoQ YOY 7.27 Business Overview Business per Employee Earnings Digital Penetration Strategy Efficiency Ratios (In Cr) Profit per Employee (in Lakhs) QoQ 6.74 6.79 6.63 6.49 9.04 9.81 9.15 7.81 7.57 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 8.34 8.24 6.85 7.27 6.79 YoY 2.41 8.82 7.38 7.51 6.68 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 26 CSB Bank Trusted Heritage Smart Future#27Company Overview Business Overview Earnings QoQ Staff Cost to Total Income Efficiency Ratios 22.24% 21.88% 21.15% 21.03% 20.10% QoQ Digital Penetration Cost to Income Ratio Strategy 62.63% 64.52% 57.46% 56.00% 57.48% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 YOY 21.24% 20.81% 21.45% 18.97% 19.28% YOY 76.82% 54.45% 52.15% 57.57% 63.58% H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 H1 FY20 H1 FY21 H1 FY22 H1 FY23 H1 FY24 CSB Bank Investor Presentation Q2 FY24 27 CSB Bank Trusted Heritage Smart Future#28Company Overview Business Overview 3333 1,370+ Installations BHARATOR # Internet Banking Earnings Digital Touch Points Digital Penetration Strategy PLATINUM 6000 0000 0000 0001 EXXXX 11/12 12/14 CARDHOLDER NAME RuPay DEBIT 5.12 lacs+ Net Banking users 8.53 lacs + Debit Cards Google Play App Store DIGITAL BANKING DIGITAL BANKING 8,400+ QR No cash in wallet? just pay. Installations Google Play App Store DIGITAL 2.52 lacs+ ePassbook ? just ray. DIEBOLD wwww 545 ATM Network CSB Bank Investor Presentation Q2 FY24 28 = CSBMobile+ CSB Bank SAVINGS BANK Available Balance 43,981.06 C Value Added Accounts Payments Services Bill Payments 0 Deposits Offerings 평 Loans and 5 Recharges محمدا ASBA Advances M SATION Scan to Pay Quick Pay Refer a Friend Google Play App Store ay. 5.00 lacs+ Mobile Banking Users CSB Bank Trusted Heritage Smart Future#29Company Overview Business Overview Earnings Channel Transactions Digital vs Branch 561.88 Digital Penetration Strategy No of Transactions (in lakhs) 498.03 H1 FY23 H1 FY24 404.36 Mobile Banking 9.07 8.40 334.21 Internet Banking 8.58 7.07 Debit Cards 52.51 48.38 UPI 334.21 498.03 52.51 48.38 54.62 48.90 48.90 54.62 Branch manual txns 48.90 54.62 9.07 8.40 8.587.07 Mobile Banking Internet Banking Debit Cards UPI Branch manual txns H1 FY23 (in lakhs) H1 FY24 Total Channel Transactions 404.36 561.88 (in lakhs) Branch Txns Channel Txns No of Txns (in lakhs) H1 FY23 ■No of Txns (in lakhs) % of channel txns 89.21% 91.14% H1 FY24 CSB Bank Investor Presentation Q2 FY24 29 CSB Bank Trusted Heritage Smart Future#30Company Overview Business Overview SBS 2030- Building brick by brick for the future SUSTAIN PROFITABLE FRANCHISE Segmented Product Offerings Hard work pays off. We make it even more rewarding with our Salary Savings Accounts! CSB CSB CSB Max Privilege Advantage 0000 Earnings Digital Penetration BUILD PLATFORMS FOR FUTURE BEYOND AGE, THERE'S LIVING! CSB SENIOR CITIZEN INDEPENDENCE SAVINGS ACCOUNT SCALE Strategy EXECUTE WITH GUARDRAILS GIVE MORE POWER TO YOUR DREAMS! CSB MARINER GOLD ACCOUNT A SMOOTH SAILING TO ALL YOUR NRI BANKING NEEDS! CSB WOMEN POWER SAVINGS ACCOUNT CSB Bank Investor Presentation Q2 FY24 30 CSB Bank Trusted Heritage Smart Future#31THANK YOU!#32Disclaimer 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, 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. CSB Bank Investor Presentation Q2 FY24 CSB Bank Trusted Heritage Smart Future