CSB Bank Limited

rs,

SEC/139/2023 April 28, 2023 BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400001. Scrip code: 542867 Dear Sir/Madam, National Stock Exchange of Ind

Rs 547

n their meeting dated 28.04.2023. Highlights a) Profit After-tax: Bank recorded a net profit of Rs 547 Crs for the year ended 31.03.2023 vis a vis profit of Rs 458 Crs in FY 22. Net profit improved by 1

Rs 458

er-tax: Bank recorded a net profit of Rs 547 Crs for the year ended 31.03.2023 vis a vis profit of Rs 458 Crs in FY 22. Net profit improved by 19% on a Y-o-Y basis. Bank continues with the policy to mainta

19%

Crs for the year ended 31.03.2023 vis a vis profit of Rs 458 Crs in FY 22. Net profit improved by 19% on a Y-o-Y basis. Bank continues with the policy to maintain accelerated provisioning during this

2%

ecurity Receipts balance as on 31.03.2023 has been fully provided for. RoA of the Bank stood above 2% for FY 23 at 2.06% as against 1.90% for FY 2022. b) Strong Operating Performance: Operating prof

2.06%

balance as on 31.03.2023 has been fully provided for. RoA of the Bank stood above 2% for FY 23 at 2.06% as against 1.90% for FY 2022. b) Strong Operating Performance: Operating profit of bank for FY 23

1.90%

.03.2023 has been fully provided for. RoA of the Bank stood above 2% for FY 23 at 2.06% as against 1.90% for FY 2022. b) Strong Operating Performance: Operating profit of bank for FY 23 was Rs 707 Crs r

Rs 707

gainst 1.90% for FY 2022. b) Strong Operating Performance: Operating profit of bank for FY 23 was Rs 707 Crs registering YoY growth of 15% as against Rs 614 Crs during FY 22. Q4 FY 23 operating profit gre

15%

Operating Performance: Operating profit of bank for FY 23 was Rs 707 Crs registering YoY growth of 15% as against Rs 614 Crs during FY 22. Q4 FY 23 operating profit grew YoY by 42% and stood at Rs 202

Rs 614

rmance: Operating profit of bank for FY 23 was Rs 707 Crs registering YoY growth of 15% as against Rs 614 Crs during FY 22. Q4 FY 23 operating profit grew YoY by 42% and stood at Rs 202 Crs as against Rs 1

42%

tering YoY growth of 15% as against Rs 614 Crs during FY 22. Q4 FY 23 operating profit grew YoY by 42% and stood at Rs 202 Crs as against Rs 142 Crs in Q4 FY 22. c) Net Interest Income (NII) for FY 2

Rs 202

of 15% as against Rs 614 Crs during FY 22. Q4 FY 23 operating profit grew YoY by 42% and stood at Rs 202 Crs as against Rs 142 Crs in Q4 FY 22. c) Net Interest Income (NII) for FY 2023 stood at Rs 1334 C

“FY 24 will be the most crucial year in the build phase where we plan for major infra investments- technology being the key one.”

“all falling in place, we will be aggressively pursuing the key agenda of SBS 2030 which underlines the build up of a quality customer franchise.”

“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

1

CEO Speak

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About CSB Bank Limited

1

Safe Harbour

1

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1

Performance Highlights

(Rs Crore) Q4 FY 23 Q4 FY 22 -1.22 -730% 2.44 11.50 -79% 636.50 288.05 348.45 7.70 118.62 126.32 474.77 155.63 117.26 272.89 201.88 -17.56 8.36 -9.20 211.08 54.74 156.34 519.56 215.73 303.83 64.83 63.61 367.43 143.41 81.97 225.38 142.05 -37.30 3.20 -34.10 176.15 45.48 130.67 24,505.81 20,188.30 20,650.65 15,814.68 7,886.26 6,795.17 9,700.59 6,569.74 32.18% 33.66% Inc/ Dec% 23% 34% 15% 83% 99% 29% 9% 43% 21% 42% -53% 161% -73% 20% 20% 20% 21% 31% 16% 48% -4% Q3 FY23 QoQ% Growth FY 23 FY 22 592.05 242.31 349.74 6.19 83.71 89.90 439.64 151.67 94.53 246.20 193.44 -15.48 8% 19% 0% 24% 42% 41% 8% 3% 24% 11% 4% 13% 0.52 1516% -14.96 208.40 52.45 155.95 22,664.02 18,456.70 7,125.74 8,780.30 31.44% -38% 1% 4% 0% 8% 12% 11% 10% 2% 2,319.65 2,038.31 985.81 885.01 1,333.85 1,153.30 313.57 235.30 316 247 1,649.86 1,400.10 558.51 383.94 942.46 707.40 -42.91 16.69 -26.21 733.61 186.25 547.36 481.87 304.51 786.38 613.72 -9.81 9.30 614.23 155.74 458.49 24,505.81 20,188.30 20,650.65 15,814.68 7,886.26 6

CEO Speak

Speaking about the performance Mr. Pralay Mondal, Managing Director & CEO said, “It gives me immense pleasure to see that the first year of SBS 2030 vision has fared well in the expected lines and this good start gives us comfort to pursue this journey with more confidence. We continued to deliver the stakeholder expectations both in terms of topline and bottom line. We could register a record net profit of Rs 547 Crs; up by 19% YoY backed by a 25% business growth; 31% net loan book growth and 21% deposit growth. We were able to grow faster than the average industry growth trends in both deposits and advances. Despite lower treasury and PSLC income contributions, the operating profit recorded a growth of 15% supported by growth in NII and other income. Key indicators like NIM, CRAR, RoA, NPA ratios etc. continue to be strong. In line with our geographic expansion plans, we hit a hat trick by opening another 100 branches in the third consecutive year thus taking the total branch count t

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 703 branches (excluding three service branches and three asset recovery branches) and 528 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 Thrissur 28.04.2023 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 Q4-FY23 I March 2023 Company Overview Business Overview Earnings Digital Penetration Strategy 703 Branches and 528 ATM/CRMs 100 Years+ Presence in 16 States and 4 UTs Total provisions down by Rs 167Cr (53%) YoY (12M Period) Business Happy Customers 7 Bancassurance Tie ups with Industry Leaders A Century Young Organization Branches/ATMs 2.1 Million+ Happy Customers Network Total Business Crossed Rs 45,900 Cr Banca Tie-Ups CSB Bank Investor Presentation Q4 FY23 Company Overview Business Overview Earnings Digital Penetration Strategy Profitability ↑ 29% QoQ ↑ 5% YoY PAT Rs 547 Cr ↑ 29% QoQ ↑ 5% YoY ↑ 20% QoQ ↑ 19% YoY ↑8% QoQ ↑ 15% YoY NII Rs. 1334 Cr ↑8%