CSB Bank Limited

rs,

SEC/27/2023 January 30, 2023 BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400001. Scrip code: 542867 Dear Sir/Madam, National Stock Exchange of Ind

Rs 391

n their meeting dated 30.01.2023. Highlights a) Profit After-tax: Bank recorded a net profit of Rs 391 Crs during the nine months ended 31.12.2022 vis a vis a profit of Rs 328 Crs for the same period la

Rs 328

recorded a net profit of Rs 391 Crs during the nine months ended 31.12.2022 vis a vis a profit of Rs 328 Crs for the same period last year. Net profit improved by 19% on a Y-o-Y basis. Bank continues with

19%

31.12.2022 vis a vis a profit of Rs 328 Crs for the same period last year. Net profit improved by 19% on a Y-o-Y basis. Bank continues with the policy to maintain accelerated provisioning during this

1.83%

ty Receipts balance as on 31.12.2022 has been fully provided for. The annualized RoA improved from 1.83% to 2.00% YoY for the nine months ended 31.12.2022. b) Strong Operating Performance: Q3 FY 2023 op

2.00%

ts balance as on 31.12.2022 has been fully provided for. The annualized RoA improved from 1.83% to 2.00% YoY for the nine months ended 31.12.2022. b) Strong Operating Performance: Q3 FY 2023 operating p

Rs 193

months ended 31.12.2022. b) Strong Operating Performance: Q3 FY 2023 operating profit of bank is Rs 193 Crs as against Rs 148 Crs during Q3 FY 2022 – the YoY growth being 31%. The operating profit for th

Rs 148

22. b) Strong Operating Performance: Q3 FY 2023 operating profit of bank is Rs 193 Crs as against Rs 148 Crs during Q3 FY 2022 – the YoY growth being 31%. The operating profit for the nine months ended 3

31%

rating profit of bank is Rs 193 Crs as against Rs 148 Crs during Q3 FY 2022 – the YoY growth being 31%. The operating profit for the nine months ended 31.12.2022 stood at Rs 506 Crs as against Rs 472 C

Rs 506

022 – the YoY growth being 31%. The operating profit for the nine months ended 31.12.2022 stood at Rs 506 Crs as against Rs 472 Crs for the corresponding previous period- up by 7%. c) Net Interest Income

Rs 472

eing 31%. The operating profit for the nine months ended 31.12.2022 stood at Rs 506 Crs as against Rs 472 Crs for the corresponding previous period- up by 7%. c) Net Interest Income (NII) for 9 months end

7%

31.12.2022 stood at Rs 506 Crs as against Rs 472 Crs for the corresponding previous period- up by 7%. c) Net Interest Income (NII) for 9 months ended 31.12.2022 stood at Rs 985 Crs posting an increa

“We believe that with the new credit card launch in partnership with One Card, we will be able to further penetrate into the retail segment.”

“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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CEO Speak

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About CSB Bank Limited

1

Safe Harbour

1

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1

Performance Highlights

(Rs Crore) Q3 FY 23 Q3 FY 22 Inc/Dec% Q2FY23 9M FY 23 9M FY 22 Inc/Dec% 592.05 242.31 349.74 6.19 83.71 89.90 439.64 151.67 94.53 246.20 193.44 -15.48 0.52 -14.96 208.40 52.45 527.65 224.31 303.34 1.48 50.68 52.16 355.50 122.09 85.86 207.95 147.55 -51.55 0.99 -50.56 198.11 49.86 155.95 148.25 12% 8% 15% 318% 65% 72% 24% 24% 10% 18% 31% - -48% - 5% 5% 5% 555.18 230.21 324.97 -21.37 66.31 44.94 369.91 129.00 83.54 212.55 157.36 -8.69 4.95 -3.73 161.09 40.54 120.55 QoQ % Growth 7% 5% 8% 129% 26% 100% 19% 18% 13% 16% 23% - -89% - 29% 29% 29% 1,683.16 1,518.75 697.76 985.40 -5.26 194.95 189.69 669.28 849.47 12.72 170.47 183.19 1,175.09 1,032.67 402.89 266.68 669.57 505.52 -25.34 8.33 -17.01 522.53 131.51 391.02 338.46 222.54 561.00 471.67 27.49 6.09 33.58 438.08 110.26 327.83 22,664.02 19,056.01 19% 20,986.61 8% 22,664.02 19,056.01 18,456.70 14,637.00 26% 17,468.33 6% 18,456.70 14,637.00 7,125.74 6,587.19 8% 7,192.81 8,780.30 5,825.50 31.44% 34.57% 51% -3% 8,035.50 34.27% -1% 9% -3% 7,125.7

CEO Speak

Speaking about the performance Mr. Pralay Mondal, Managing Director & CEO said, “Though global economy is marred with uncertainties, Indian financial system is resilient, robust and stable. Bank credit is growing in double digits for 9 months now. It gives us great pleasure to announce that we could outperform the industry trends in terms of both deposits and advances growth and record strong bottom line numbers. Our bank has achieved another milestone, with the business numbers crossing Rs 40000 Crs, Rs 42006 Crs to be exact contributed by the loan book growth of 26% YoY coupled with the 19% deposit growth. In terms of profitability, despite the lower treasury profits/PSLC income, SR write offs etc, the Q3FY 23 operating profit recorded a growth of 31% supported by growth in NII and other income. The key indicators like NIM, CRAR, RoA, NPA ratios etc continue to be strong. CSB Bank Limited Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur – 680020, Kerala, India. CIN: L65191

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 648 branches (excluding three service branches and three asset recovery branches) and 516 ATMs/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

Safe Harbour

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 30.01.2023 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 Q3-FY23 I DECEMBER 2022 Company Overview Business Overview Earnings Digital Penetration Strategy ↑ 29% QoQ ↑ 5% YoY ↑8% QoQ ↑ 15% YoY ↑8% QoQ ↑ 15% YoY 648 Branches and 516 ATM/CRMs 100 Years+ Happy Customers Presence in 16 States and 4 UTs Business 7 Bancassurance Tie ups with Industry Leaders A Century Young Organization Branches/ATMs 2.1 Million+ Happy Customers Network Total Business Crossed Rs 42,000 Cr Banca Tie-Ups CSB Bank Investor Presentation Q3 FY23 Company Overview Business Overview Earnings Digital Penetration Strategy Profitability ↑ 29% QoQ ↑ 5% YoY PAT Rs. 156 Cr ↑ 29% QoQ ↑ 5% YoY ↑ 29% QoQ ↑ 5% YoY ↑8% QoQ ↑ 15% YoY NII Rs. 350 Cr ↑8% Qo