Investor Presentaiton

Other 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

View entire presentation