Investor Presentaiton

Company 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

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