CSB Bank Limited

rs,

SEC/243/2023 July 20, 2023 BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400001. Scrip code: 542867 Dear Sir/Madam, National Stock Exchange of Ind

Rs 132.23

ject to limited review in their meeting held on 20.07.2023 Highlights a) Profit after Tax is at Rs 132.23 Cr in Q 1 FY 24 as against Rs 114.52 Cr in Q 1 FY 23. Net profit increased by 15% YoY basis. We con

Rs 114.52

ng held on 20.07.2023 Highlights a) Profit after Tax is at Rs 132.23 Cr in Q 1 FY 24 as against Rs 114.52 Cr in Q 1 FY 23. Net profit increased by 15% YoY basis. We continue to maintain the accelerated pro

15%

Tax is at Rs 132.23 Cr in Q 1 FY 24 as against Rs 114.52 Cr in Q 1 FY 23. Net profit increased by 15% YoY basis. We continue to maintain the accelerated provisioning policy during this quarter as well

1.75%

in the accelerated provisioning policy during this quarter as well. Return on Assets improved from 1.75% in Q1FY23 to 1.79% as on Q1 FY24. NIM could be sustained above 5% at 5.40% up by 23 bps YoY b) O

1.79%

provisioning policy during this quarter as well. Return on Assets improved from 1.75% in Q1FY23 to 1.79% as on Q1 FY24. NIM could be sustained above 5% at 5.40% up by 23 bps YoY b) Operating Profit of

5%

eturn on Assets improved from 1.75% in Q1FY23 to 1.79% as on Q1 FY24. NIM could be sustained above 5% at 5.40% up by 23 bps YoY b) Operating Profit of the bank is at Rs 181.43 Cr whereas it was Rs 15

5.40%

on Assets improved from 1.75% in Q1FY23 to 1.79% as on Q1 FY24. NIM could be sustained above 5% at 5.40% up by 23 bps YoY b) Operating Profit of the bank is at Rs 181.43 Cr whereas it was Rs 154.72 Cr i

23 bps

proved from 1.75% in Q1FY23 to 1.79% as on Q1 FY24. NIM could be sustained above 5% at 5.40% up by 23 bps YoY b) Operating Profit of the bank is at Rs 181.43 Cr whereas it was Rs 154.72 Cr in Q1 FY 23 ie

Rs 181.43

NIM could be sustained above 5% at 5.40% up by 23 bps YoY b) Operating Profit of the bank is at Rs 181.43 Cr whereas it was Rs 154.72 Cr in Q1 FY 23 ie, up by 17%. c) Net Interest Income (NII) earned for

Rs 154.72

ve 5% at 5.40% up by 23 bps YoY b) Operating Profit of the bank is at Rs 181.43 Cr whereas it was Rs 154.72 Cr in Q1 FY 23 ie, up by 17%. c) Net Interest Income (NII) earned for the first quarter is Rs 364.

17%

) Operating Profit of the bank is at Rs 181.43 Cr whereas it was Rs 154.72 Cr in Q1 FY 23 ie, up by 17%. c) Net Interest Income (NII) earned for the first quarter is Rs 364.01 Cr with a Y-o-Y increase

“On the distribution front, as in the previous years, we plan to open another 100 branches this FY as well.”

“Our efforts will be centered on building a future ready franchise by keeping customer centricity at the core of all our initiatives.”

“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

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Safe Harbour

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Kindly direct your enquiries to

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Performance Highlights

(Rs Crore) Interest Income Interest Expense Q1 FY24 683.49 Q1 FY23 535.93 Inc/Dec% 28% Q4 FY23 636.50 QoQ% Growth 7% FY 23 2,319.65 319.48 225.24 42% 288.05 11% 985.81 Net Interest Income 364.01 310.69 17% 348.45 4% 1,333.84 Treasury Profits 12.18 9.93 23% 7.70 58% 2.44 Other Income Total Non-Interest Income Net Operating Income 109.36 121.55 485.56 44.92 54.85 365.54 143% 122% 33% 118.62 126.32 474.77 -8% -4% 2% 313.57 316.01 1,649.86 Staff Cost Other Opex Total Opex Operating Profit NPA Provision Other Provisions 181.99 122.21 49% 155.63 17% 558.51 122.13 88.61 38% 117.26 4% 383.94 304.13 210.82 44% 272.89 11% 942.46 181.43 154.72 17% 201.88 -10% 707.40 3.71 -1.18 1.03 2.86 -17.56 8.36 -42.91 16.69 -26.21 Provisions other than Tax 4.73 1.68 182% -9.20 PBT Tax PAT Deposits Advances(Net) CASA Gold CASA%

CEO Speak

176.70 153.04 15% 211.08 -16% 733.61 44.47 38.52 15% 54.74 -19% 186.25 132.23 114.52 15% 156.34 -15% 547.36 24,475.52 20,266.77 21% 24,505.81 21,103.55 16,142.14 31% 20,650.65 7,548.08 7,121.88 6% 7,886.26 10,072.00 7,107.00 42% 9,700.59 30.84% 35.14% -4% 32.18% 0% 2% 24,505.81 20,650.65 -4% 7,886.26 4% 9,700.59 -1% 32.18% Speaking about the performance Mr. Pralay Mondal, Managing Director & CEO said, “On a YoY basis, we could register a net profit of Rs 132 Crs; up by 15% YoY backed by a 31% net loan book growth and 21% deposit growth. Our NII registered a robust growth of 17% and Non-interest income by a whopping 122%. Despite the increased costs on account of higher investments made on people, distribution, systems etc, the operating profit recorded a growth of 17% supported by growth in NII and other income. Key indicators like NIM, CRAR, RoA, NPA ratios etc. continue to be strong. Currently we are in the build phase; which is the most crucial level of SBS 2030 journey. As we are b

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 706 branches (excluding three service branches and three asset recovery branches) and 540 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 ,Head – Strategy & Planning Dept CSB Bank Limited Contact: 0487 6619203 Email : msreelatha@csb.co.in Mumbai 20.07.2023 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 Q1-FY24 I June 2023 Company Overview Business Overview Earnings Digital Penetration Strategy 706 Branches and 540 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 46,400 Cr Banca Tie-Ups CSB Bank Investor Presentation Q1 FY24 Company Overview Business Overview Earnings Digital Penetration Strategy Profitability ↑ 29% QoQ ↑ 5% YoY PAT Rs 132 Cr ↑ 29% QoQ ↑ 5% YoY ↑ 15% YoY ↑8% QoQ ↑ 15% YoY NII Rs. 364 Cr ↑8% QoQ ↑ 15% YoY