CSB Bank Limited

rs,

SEC/378/2022 October 21, 2022 BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400001. Scrip code: 542867 Dear Sir/Madam, National Stock Exchange of Ind

Rs235.07

lights a) Profit After-tax: Bank could cross the double century mark by recording a net profit of Rs235.07 Cr in H2 FY 23 vis a vis a profit of Rs 179.57 Crs for the same period last year. Despite the preva

Rs 179.57

the double century mark by recording a net profit of Rs235.07 Cr in H2 FY 23 vis a vis a profit of Rs 179.57 Crs for the same period last year. Despite the prevailing macroeconomic environment, which is volat

5%

he prevailing macroeconomic environment, which is volatile and challenging, Net profit improved by 5% on a sequential basis also from Rs 114.52 Cr to Rs 120.54 Cr. Bank continued its accelerated provi

Rs 114.52

ment, which is volatile and challenging, Net profit improved by 5% on a sequential basis also from Rs 114.52 Cr to Rs 120.54 Cr. Bank continued its accelerated provisioning policy during this quarter as well.

Rs 120.54

olatile and challenging, Net profit improved by 5% on a sequential basis also from Rs 114.52 Cr to Rs 120.54 Cr. Bank continued its accelerated provisioning policy during this quarter as well. RoA improved fr

1.53%

Bank continued its accelerated provisioning policy during this quarter as well. RoA improved from 1.53% in H1FY22 to 1.81% in H1FY23 while QoQ the sequential improvement is from 1.75% to 1.87%. b) Ope

1.81%

accelerated provisioning policy during this quarter as well. RoA improved from 1.53% in H1FY22 to 1.81% in H1FY23 while QoQ the sequential improvement is from 1.75% to 1.87%. b) Operating Profit of th

1.75%

RoA improved from 1.53% in H1FY22 to 1.81% in H1FY23 while QoQ the sequential improvement is from 1.75% to 1.87%. b) Operating Profit of the bank is at Rs 157.35 Cr for the quarter ended 30.09.2022 vis

1.87%

oved from 1.53% in H1FY22 to 1.81% in H1FY23 while QoQ the sequential improvement is from 1.75% to 1.87%. b) Operating Profit of the bank is at Rs 157.35 Cr for the quarter ended 30.09.2022 vis a vis Rs

Rs 157.35

ile QoQ the sequential improvement is from 1.75% to 1.87%. b) Operating Profit of the bank is at Rs 157.35 Cr for the quarter ended 30.09.2022 vis a vis Rs 149.38 Crs as on 30.09.2021 and Rs 154.72 Crs as o

Rs 149.38

7%. b) Operating Profit of the bank is at Rs 157.35 Cr for the quarter ended 30.09.2022 vis a vis Rs 149.38 Crs as on 30.09.2021 and Rs 154.72 Crs as on 30.06.2022. The operating profit for the half year ende

“In the coming quarters our focus will be more on liabilities given the CD ratio crossing 80% in H1.”

“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.”

Performance Highlights

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About CSB Bank Limited

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Performance Highlights

(Rs Crore) Q2 FY23 Q2 FY22 Inc/ Dec% Q1 FY23 Interest Income Interest Expense Net Interest Income Treasury Profits Other Income Total Non-Interest Income Net Operating Income Staff Cost Other Opex Total Opex Operating Profit Standard Asst Provision Other Provisions Provisions other than Tax PBT Tax PAT Deposits Advances(Net) CASA Gold CASA%

CEO Speak

555.18 230.21 324.97 -21.37 66.31 44.94 369.91 129.00 83.54 212.55 157.36 4.36 -8.10 -3.73 161.09 40.54 120.55 495.85 217.47 278.38 -10.25 70.04 59.79 338.17 119.16 69.63 188.79 149.38 6.42 -15.49 -9.07 158.45 39.88 118.57 20,986.61 19,055.49 17,468.33 14,070.11 7,192.81 6,207.98 8,035.50 5,460.22 34.27% 32.58% 12% 6% 17% -5% -25% 9% 8% 20% 13% 5% -32% 2% 2% 2% 10% 24% 16% 47% 2% 535.93 225.24 310.69 9.93 44.92 54.85 365.54 122.21 88.61 210.82 154.72 1.88 -0.20 1.68 153.04 38.52 114.52 20,266.77 16,142.14 7,121.88 7,107.00 35.14% QoQ % Growth 4% 2% 5% 48% -18% 1% 6% -6% 1% 2% 132% 5% 5% 5% 4% 8% 1% 13% -1% 6M FY 23 6M FY 22 Inc/ Dec% 1,091.11 455.45 635.66 -11.45 111.23 99.79 735.45 251.22 172.15 423.37 312.08 6.24 -8.30 -2.05 314.13 79.06 235.07 991.10 444.97 546.14 11.24 119.80 131.03 677.17 216.38 136.68 353.05 324.12 2.37 81.77 84.15 239.97 60.40 179.57 20,986.61 19,055.49 17,468.33 14,070.11 7,192.81 6,207.98 8,035.50 5,460.22 34.27% 32.58% 10% 2% 16% -7% -24% 9% 16% 26% 20% -4% 1

About CSB Bank Limited

We are one of the oldest private sector banks in India with an existence of over 100 years. While our Bank has a long operating history as a traditional bank, we are currently focusing on implementing strategic changes in business model to function efficiently like a full service new age private sector bank. We have a strong base in Kerala along with significant presence in Tamil Nadu, Maharashtra, Karnataka and Andhra Pradesh We offer a wide range of products and services to our overall customer base of 2.1 million, with particular focus on SME, Retail, and NRI customers. We deliver our products and services through multiple channels, including 608 branches (excluding three service branches and three asset recovery branches) and 507ATMs/CRMs spread across the country and various alternate channels such as micro ATMs, debit cards, internet banking, mobile banking, point of sale services, and UPI. CSB Bank is listed on both NSE and BSE. For further details, please visit www.csb.co.in

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Some of the statements in this document that are not historical facts; are forward-looking statements. These forward- looking statements include our financial and growth projections as well as statements concerning our plans, strategies, intentions and beliefs concerning our business and the markets in which we operate. These statements are based on information currently available to us, and we assume no obligation to update these statements as circumstances change. There are risks and uncertainties that could cause actual events to differ materially from these forward-looking statements. These risks include, but are not limited to, the level of market demand for our services, the highly-competitive market for the types of services that we offer, market conditions that could cause our customers to reduce their spending for our services, our ability to create, acquire and build new businesses and to grow our existing businesses, our ability to attract and retain qualified personnel, cur

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Smt Sreelatha M ,DGM – Strategy & Planning Dept CSB Bank Limited Contact: 0487 6619203 Email : msreelatha@csb.co.in Mumbai 21.10.2022 CSB Bank Limited Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur – 680020, Kerala, India. CIN: L65191KL1920PLC000175 | Phone: 0487-2336461 / 6619228 | E-mail: board@csb.co.in | www.csb.co.in Q2-FY23 I SEPTEMBER 2022 Company Overview Business Overview Earnings Digital Penetration Strategy Key Information Improved Profitability Cost and Revenue Growth Momentum *PAT of Rs 235.07 Cr for H1 FY 23 (up by 31% YoY) Q2 PAT at Rs 120.55 Cr *RoA Q2 FY23 : 1.87% (up by 12 bps QoQ) RoA H1 FY 23-1.81% * NII growth of 16% YoY & 5% QoQ *Net Advances grew by 24% YoY * NIM above 5% on a quarterly half yearly basis-5.60% & 5.38% respectively and *Gold loan grew by 47% YoY *RoE H1 18.49% FY23 : income *Other ex Treasury increased by 48% QoQ *CASA book grew by 16% YoY & CASA Ratio is at 34.27% * Healthy CD Ratio (Gross) : 87.54% as on 30-09-2022 Well Capitalised