Investor Presentaiton

Company 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

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