Investor Presentaiton

Company 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

View entire presentation