CSBBANK

SEC/163/2026 July 22, 2026 BSE Limited, National Stock Exchange of India Ltd., Corporate Relationship Department, Listing Department, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Dalal Street, Bandra-Kurla Complex, Mumbai 400001. Bandra (E), Mumbai 400051. Scrip code: 542867 Symbol: CSBBANK Dear Sir/Madam, Presentation to Institutional Investors/Analyst - Unaudited Financial Results for the quarter ended June 30, 2026 ---------------------------------------------------------------------------------------------------------------------------------------- Pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and in continuation of our letter no. SEC/162/2026 dated July 22, 2026, please find enclosed a copy of Investor Presentation on financial and business performance of the Bank for the quarter ended June 30, 2026. This intimation shall also be made available on the Bank’s website at www.csb.bank.in Kindly take the same on records. Thanking You, Yours faithfully, Sijo Varghese Company Secretary Encl: As above. CSB Bank Limited Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur – 680020, Kerala, India. Tel: +91 487–2333020 | Fax: +91 487–2338764 | Website: www.csb.bank.in | Email: secretarial@csb.bank.in |CIN: L65191KL1920PLC000175 What's Inside Company Overview 4 Strategy 11 Business Overview 15 Financials 21 Digital Penetration 30 ESG 32 Awards 33 Performance Highlights – Q1 FY27 58,101 40,867 45,415 86,282 ₹ Cr ₹ Cr ₹ Cr ₹ Cr Balance Sheet Size Gross Advances Deposits Total Business 20% Y-o-Y 24% Y-o-Y 26% Y-o-Y 25% Y-o-Y 1,516 479 229 150 ₹ Cr ₹ Cr ₹ Cr ₹ Cr Total Income Net Interest Income Non Interest Income Profit After Tax 18% Y-o-Y 26% Y-o-Y 7% Y-o-Y 27% Y-o-Y 19.96 0.39% 1.09% 3.66 % % Capital Adequacy Ratio Net NPA ROA NIM Q1-FY26 21.71% Q1-FY26 0.66% Q1-FY26 1.03% Q1-FY26 3.54% Y-o-Y : Q1 FY27 v/s Q1 FY26 Company Overview 4 Driven by Purpose, since 1920 Journey began in Oldest private sector November 1920 bank in Kerala Vision Offer products and services across Personal Banking, Loans and Advances, Corporate Banking, Digital Banking CSB Bank endeavors to be a leading bank striving to excel in bringing products that satisfy the needs of targeted client Promoted by FIH Mauritius Investments Ltd, an entity segments, backed by excellent service – through our branches and technology backed by Fairfax Group driven initiatives in a compliant and regulated manner. For our employees, we want to create a culture of pride – driven Focus on comprehensive financial needs of by performance and productivity that should eventually result in sustainable ▪ Retail customers ▪ Microfinance and Underbanked growth in business and deliver superior ▪ MSME customers Segments returns to our shareholders. ▪ Corporate Clients ▪ High-Net-Worth Individuals (HNIs) ▪ Agricultural Sectors ▪ Digital Banking Customers Company Overview 5 Robust Network, Extensive Reach % Distribution State Total Business Gold Loans June 2026 June 2025 Kerala 31 32 2(2) 10% 1(1) Tamil Nadu 16 16 21% 25% 12(12) 27% 11% Andhra Pradesh 13 13 15(15) Maharashtra 11 11 36(36) 8% Karnataka 7 7 12(13) 17(17) 6% 19% 17% 31% 7(3) Others * 22 21 19% 6% 25(25) 11(11) 7(1) 8(7) *Of which Delhi (4%), Telangana (4%), Gujarat (3%) 1(1) Total Deposits Gross Advances 93(92) 1(1) No. of Branches 32(31) Population June 2026 June 2025 15% 17% 4(4) 109(107) 7% 25% Metropolitan 233 220 61(56) 37% 4% Urban 176 165 3(3) 25% 8% Semi-Urban 394 387 270(253) 23% 10% Rural 65 62 141(144) 14% 15% Grand Total 868 834 Legend: Branches (ATM) Kerala Tamil Nadu Maharashtra Andhra Pradesh Karnataka Others Company Overview 6 Shareholding Pattern No of No of Share Category % Of holding Shareholders Held (in Mio) FIHM - Promoter FIHM - Promoter 1 69.39 40.00% Mutual Funds 12 21.80 12.57% Mutual Funds 30.16% Foreign Portfolio 91 21.91 12.63% Investors Foreign Portfolio CSB ESOS Trust 1 3.82 2.20% Investors 40.00% Alternate CSB ESOS Trust 17 4.23 2.44% Investment Funds Others (incl. non- 2.44% resident Indians, Alternate body corporates, 67,530 52.34 30.16% Investment Funds 2.20% 12.63% resident 12.57% individuals) Others Total 67,652 173.49 100% As at June 30, 2026 Company Overview 7 Our Board of Directors Mr. Biswamohan Mahapatra Mr. Pralay Mondal Mr. B K Divakara Mr. Sumit Maheshwari Ms. Sharmila Abhay Karve Non-Executive Independent Managing Director & CEO Executive Director Non-Executive Director Independent Director Chairperson Mr. Biswamohan Mahapatra Mr. Pralay Mondal is the Mr. B K Divakara is the Mr. Sumit Maheshwari is the Ms. Sharmila Karve has over is the Non-Executive Managing Director & CEO of Executive Director of the Bank Managing Director & CEO of three decades of association Independent Chairperson of the Bank since September 15, since March 15, 2024. He has Fairbridge Capital since May with the Network of Price the Bank since May 9, 2025. 2022. He has over 36 years of over 38 years of banking 2018, playing a pivotal role in Waterhouse firms in India in He was a central banker with experience in leading banking experience spanning various sourcing, evaluating, various capacities, including a career spanning about 33 companies across multiple spheres. Before being negotiating and executing the roles of Head of Audit years in RBI in various business segments and appointed as Executive investment opportunities. A and Head for Risk & Quality, capacities and retired as functions, including retail Director, he worked at the seasoned investment till she retired in 2019. She Executive Director in August assets, retail liabilities, Bank as CFO for a little over 3 professional with deep was appointed as the 2014. He was associated with business banking, products years and as Head of Strategy experience in both private Diversity & Inclusion Leader various working groups and and technology. His and Corporate Legal for and public Indian companies, for the PwC Global network committees constituted by achievements include almost 9 months. Prior to Mr. Sumit manages over $7 and was on the Global the government and pioneering efforts in doorstep joining the CSB Bank, he was billion in Indian investments Leadership Team and the represented the RBI as a banking and direct sales, the Executive Director of for Fairfax Financial Holdings Global Human Capital Team. member /Chairman/ creating deep geography Central Bank of India for a and Fairfax India Holdings. Convenor of these various distribution, and building and period of five years, from Mr. Sumit also serves on the working groups and scaling up of retail businesses. January 23, 2014. He worked boards of various Fairfax committees. He was the He had played a pivotal role/s closely in finance, credit, portfolio companies. convenor of the Government in leading banks such as Axis priority sector lending, of India Task Force to set up Bank, Yes Bank, HDFC Bank balance sheet management, the Resolution Corporation and Standard Chartered Bank. profit planning & forecasting, under the Indian Financial capital raising programme, Code. Post-retirement, he investor relations, credit was an advisor to the RBI on monitoring, recoveries, the bank licensing process. operations, Treasury, internal audit, risk management, and transaction banking. Company Overview 8 Our Board of Directors Ms. Sheetal Shetty Mr. Sudhin Choksey Mr. Sharad Kumar Saxena Ms. Renu Kohli Mr. Deepak Maheshwari Mr. DN Narasimha Raju Sancheti Independent Director Independent Director Independent Director Independent Director Independent Director Non-Executive Director Mr. Sharad Saxena has Ms. Renu Kohli is an Mr. Deepak Maheshwari is Mr. Narasimha Raju was a Ms. Sheetal Shetty Sancheti Mr. Sudhin Choksey has over 30 years of economist with research and an experienced banker with Karnataka cadre IAS officer of has been associated with over 40 years of professional experience in banking practitioner experience on an impressive career 1984 batch. During his career, Fairbridge Capital Private experience, both in India and and had held almost all macroeconomic policies and spanning over four decades he held key positions at both Limited since April 2019 and overseas. He was the former the leadership positions issues. She is currently the in top banking institutions in central and state government currently holds the position of Managing Director of GRUH in ICICI Bank technology Senior Fellow, at the Centre the country, viz., State Bank levels, including Principal Principal. She plays a pivotal Finance Ltd., which was group. He was the Chief for Social and Economic of India, HDFC Bank and Secretary to the Chief Minister role in monitoring the merged with Bandhan Bank. Technology Officer of Progress (CSEP) an Axis Bank. His expertise of Karnataka and Joint portfolio investments held by He has expertise in the Bank of Baroda, and as independent, public policy extends to credit decision- Secretary in the Ministry of Fairfax India Holdings mortgage finance business the Head of IT of Bank of think tank based in New- making, credit underwriting, Petroleum and Natural Gas. Corporation, a Toronto-listed and skilled in lending Baroda, he successfully Delhi. She has previously and monitoring of large He also served on the boards entity, across its Indian business. He was the led the bank merger of worked with the RBI, the IMF, credit exposures. He also of various public sector investments. Ms. Sheetal has recipient of the ‘Business erstwhile Vijaya Bank and including ICRIER and the has expert knowledge in undertakings. proven expertise in Leader – Financial Services’ erstwhile Dena Bank with Institute of Economic Growth. banking, including relevant investment monitoring, Award for the year 2015 Bank of Baroda. policy matters. regulatory compliance, from the Institute of financial reporting, and Chartered Accountants of corporate governance. India, New Delhi. Company Overview 9 Our Strong Leadership Team Narendra Pralay Mondal B K Divakara Satish Gundewar 36+ 38+ 31+ Kumar Dixit 31+ Managing Director & CEO Executive Director Chief Financial Officer Head - Retail Banking Manish Modi Shyam Mani Rajesh Manish Agarwal 30+ 29+ 31+ Choudhary 28+ Head - Wholesale Head - MSME Chief Credit Officer Banking Chief Technology Officer Satyendra Ajith Jose Punit Saruparia Alok Singh Sharma 27+ 30+ 32+ 23+ Chief Compliance Head - Internal Audit Head-Treasury Officer Chief Risk Officer D Lakshmi Jaikumar S. Sijo Varghese Chinmay Adhikari Raju Kumar Ojha 26+ Narayanan 41+ Chief Internal- Vigilance 23+ 26+ Chief Human Resource 20+ Head– Planning & Company Secretary Officer Officer Execution Head- Operations Experience of Executives Company Overview 10 Driven by SBS 2030 Long-term vision of becoming a mid-sized new age bank with a national presence by 2030 Rolled out in three Launched in phases: Sustain, Build, March 2022 and Scale Sustain Build Scale Core Strengths Platforms for Future Execute with Guardrails Sustain and Build Phase (Till FY26) ▪ Establish a robust Pan-India operational footprint ▪ Maintain strategic emphasis on the gold loan segment ▪ Develop an advanced, next-generation technology ▪ Drive process optimisation and re-engineering initiatives platform ▪ Fortify the risk management framework for enhanced ▪ Diversify and enhance our product portfolio resilience ▪ Build a strong and sustainable liability franchise Strategy 11 Driven by SBS 2030 (contd.) Scale Execute with Guardrails Building for Scale Phase (FY27 to FY30) ▪ Transition into a cutting-edge, full-service private ▪ Foster innovation and collaboration as key growth sector bank drivers ▪ Enhance our product suite to cater to diverse ▪ Build a connected ecosystem through strategic customer segments partnerships and alliances ▪ Place customer centricity at the core of all ▪ Focus on delivering sustained value creation operations Strategy 12 Driven by SBS 2030 (contd.) Key Enablers Good Governance Board Support and Growth-Oriented Clear Executable Strategy Structure Guidance Policy Building Infrastructure in Robust and Efficient Innovation, Agility, and Physical, Hybrid, and Customer-Centric Strong Leadership Digitalisation Digital Process Key Objectives Growth in granular liability franchise with Focus on strong operating Major investments in the initial 3-4 ever-improving CASA Ratio performance with consistency years with a defined payback period Prudent treasury investment strategy viz. Well-diversified retail book to Relentless focus on fee business and wholesale funded book growth with the manage cycles non-interest income earnings right balance of risk vs. return Well-capitalised bank with an adequate Enhance coverage, create Focus on asset quality, risk management, liquidity buffer to manage economic and segmentation, and whitelist and strong collection framework credit cycles opportunities in wholesale business Strategy 13 Driven by SBS 2030 (contd.) Technology Human Capital Customer service Our Pillars Governance Compliance Strategy 14 Advances Gross Advances Gross Advances Mix* 40,359 40,867 37,161 34,712 32,944 3,939 6,054 9% 19% 4,469 11% 4,275 14,928 Q1 FY26 21,906 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 13% 10,553 45% 54% 26% Secured Advances 7,687 23% 97% 98% 97% 98% 98% 3% 3% 2% 2% 2% Gold Wholesale Business Lending Group (BLG) Retail Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Secured Unsecured * Internal Classification (₹ crore) Business Overview 15 Gold Loan Portfolio Book size Portfolio Quality Tonnage 21,906 21,567 24.59 23.99 19,020 11.85% * 75.31% 16,456 14,928 Yield LTV Q1 FY26 Q1 FY27 No. of Accounts (in lakhs) 0.27% 23.99 T 4.31 4.03 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 GNPA% Tonnage Q1 FY26 Q1 FY27 (₹ crore) * Portfolio yield for Q1 FY27 Business Overview 16 Disbursements 12088 13001 17358 18864 11922 1% Y-o-Y 428 588 1428 436 508 488 374 1433 1338 444 1702 1186 187 1360 1524 16420 14981 9989 8652 9767 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 (₹ crore) Gold Wholesale Retail BLG Business Overview 17 Investments Net Investments Yield on Investments HFT 2.58% 11,150 10,799 11,376 11,955 12,073 HTM 37.48% 769 767 596 791 740 AFS 59.94% 6.88% 6.73% 6.73% 6.85% 11,304 10,554 10,585 11,188 6.63% 10,059 M Duration FVTPL AFS HTM Total Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 6.06 5.14 4.63 4.97 SLR Investments Non-SLR Investments (₹ crore) Business Overview 18 ₹ Deposits Total Deposits Term Deposit Mix CASA Mix * 35,935 39,651 40,460 44,246 45,415 23.49% 21.17% 20.55% 19.96% 19.41% 54% 53% 50% 48% 59% 35,414 36,600 78.57% 79.17% 78.92% 78.10% 78.59% 31,257 32,144 27,494 46% 47% 50% 52% 41% 8,441 8,394 8,316 8,832 8,815 21.43% 20.83% 21.08% 21.90% 21.41% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CASA Term Deposits Bulk Deposit Retail Deposit CA SA (₹ crore) * Excl. CD Business Overview 19 Funding Funding Mix Credit Rating 13% 10% 14% 14% 12% Instrument Rating CRISIL A/ Stable Tier II Bonds IND A/Positive 67% 71% 68% 69% 71% Short Term Fixed Deposit CRISIL A1+ 20% 19% 18% 17% 17% Certificate of Deposit CRISIL A1+ Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CASA TD Borrowing Business Overview 20 Key Performance Matrix Yield on Advances 11.20% 10.98% 10.56% 9.69% 10.12% 9.90% 10.52% 10.08% 9.81% 9.25% 9.03% 9.34% 9.11% 8.70% 8.78% 11.70% 11.77% 11.83% 12.00% 11.85% 10.73% 10.95% 10.82% 10.72% 10.65% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Total Yield Gold Wholesale BLG Retail Financials 21 Key Performance Matrix (contd.) Net Interest Income Non Interest Income 349 306 464 479 276 424 453 245 379 229 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Operating Profit Net Profit 202 292 294 279 251 160 153 150 220 119 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Financials 22 Key Performance Matrix (contd.) Return on Assets Return on Equity Net Interest Margin CD Ratio (Gross) 1.53% 17.66% 3.54% 3.81% 3.86% 3.83% 3.66% 91.67% 91.85% 91.22% 1.33% 89.99% 1.03% 1.22% 1.09% 14.46% 13.38% 12.71% 87.54% 10.90% Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 Cost of Funds Cost of Deposits Cost of Borrowings 6.62% 6.53% 6.46% 6.42% 6.55% 6.43% 6.37% 6.35% 6.33% 6.46% 7.83% 7.86% 7.34% 7.01% 7.17% Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 Financials 23 Key Performance Matrix (contd.) Credit Cost* PCR (Incl. w/off) PCR (excl. w/off) Slippage Ratio 84.14% 86.33% 86.83% 2.25% 80.46% 79.87% 0.69% 64.52% 71.62% 66.32% 76.38% 77.96% 1.72% 0.53% 0.53% 1.11% 0.36% 0.97% 0.66% 0.18% Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 *Provisions other than tax / Average Assets Cost to Income Cost to Assets Earning Per Share Book Value Per Share 47 64.70% 63.86% 61.88% 64.55% 3.49% 4.11% 3.50% 3.63% 3.31% 37 35 35 289 59.97% 27 269 272 261 258 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 FY26 FY26 FY26 FY26 FY27 Financials 24 Key Performance Matrix (contd.) (₹ crore) Asset Quality Q1 Q2 Q3 Q4 Q1 Gross NPA Movement FY26 FY26 FY26 FY26 FY27 729 715 606 215 629 246 670 178 158 158 Opening Balance of Gross 498 606 629 729 670 NPA Additions 139 94 197 61 98 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Sub Total (A) 637 700 826 790 768 Gross NPA Net NPA (₹ crore) Less (i) Upgradations 2 37 23 85 10 (ii) Recoveries 17 29 26 28 41 1.96% 1.84% 1.81% 1.66% 1.75% (iii) Write-Offs 12 5 48 7 2 0.66% 0.67% 0.52% 0.40% 0.39% Sub Total (B) 31 73 97 120 53 Closing Balance of Gross Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 606 629 729 670 715 NPA (A-B) Gross NPA (%) Net NPA (%) Financials 25 Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 21.71% 20.99% 19.41% 20.66% 19.96% 1.79% 1.80% 1.75% 1.73% 1.00% 41.97% 19.92% 19.19% 17.66% 18.93% 18.96% 41.26% 40.50% 40.52% 38.88% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q4 Q1 Q2 Q3 Q4 Tier 1 Tier 2 Gross NPA Movement FY25 FY26 FY26 FY26 FY26 Q1 Q2 Q3 Q4 Q1 Risk Type Liquidity Coverage Ratio* FY26 FY26 FY26 FY26 FY27 (i) Credit Risk 16,820 17,388 19,094 20,026 21,299 (ii) Market Risk 630 348 420 516 819 123% 126% 123% 114% 109% (iii) Operational Risk 3,792 3,792 3,792 3,792 4,532 Total Risk Weighted 21,242 21,528 23,307 24,334 26,650 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Assets *average Financials 26 Profit and Loss Account Particular Q1 FY27 Q4 FY26 Q1 FY26 QoQ YoY Interest Income 1,287 1,201 1,041 7% 24% Interest Expense 808 737 662 10% 22% Net Interest Income 479 464 379 3% 26% Treasury Profit 12 -6 53 NA -78% Fee income 216 312 192 -30% 13% Net Operating Income 707 770 624 -8% 13% Staff Cost 253 251 221 0% 14% Other Opex 203 225 183 -9% 12% Total Opex 456 476 404 -4% 13% Operating Profit 251 294 220 -15% 14% Provision for NPA 43 11 57 313% -24% Other Provisions 6 12 3 -56% 44% Total Provisions 49 23 60 113% -19% Profit Before Tax 202 271 160 -25% 26% Tax 52 69 41 -25% 26% Profit After Tax 150 202 119 -26% 27% (₹ crore) Financials 27 Balance Sheet Liabilities June 30, 2026 Mar 31, 2026 June 30, 2025 QoQ(%) YoY (%) Capital 174 174 174 0% 0% Reserves & Surplus 5,003 4,721 4,466 6% 12% Deposits 45,415 44,246 35,935 3% 26% Of which CASA 8,815 8,832 8,441 0% 4% Borrowings 6,023 7,154 5,340 -16% 13% Other Liabilities & 1,486 1,432 2,665 4% -44% Provisions Total 58,101 57,727 48,580 1% 20% Assets Cash & Balance with RBI 3,040 4,017 3,360 -24% -10% Balance with Banks Money 1,028 80 122 1182% 742% at call & Short Notice Investments 12,073 11,955 11,150 1% 8% Advances 40,309 39,848 32,552 1% 24% Fixed Assets 726 710 648 2% 12% Other Assets 925 1,117 748 -17% 24% Total 58,101 57,727 48,580 1% 20% (₹ crore) Financials 28 Key Performance Matrix (contd.) Balance Sheet Size Gross Advances Deposits Total Income 44246 5682 40359 57727 36861 4569 31842 47836 29719 3512 24572 24506 36056 20842 2635 29162 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 Profit After Tax ROA Net NPA NIM 633 5.48% 2.06% 0.51% 0.52% 5.09% 594 1.79% 0.40% 4.13% 1.53% 0.35% 3.76% 567 1.29% 547 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 (₹ crore) Financials 29 Technology Transformation @ CSB Bank Technology Infrastructure Transformation Core Systems Transformation 1. Modernized infrastructure with Private Cloud, Virtualized 1. A modern banking platform has been established with Data Centers, and Enterprise Backup solutions, supported Flexcube Core Banking, Digital Channels, Payments, Trade by a resilient high-speed network across all locations. Finance, Oracle General Ledger, Loan Management, and Reconciliation systems now live. 2. A centralized Technology Command Center is operational, while infrastructure automation initiatives are advancing, 2. Risk Management (Oracle OFSAA) is under implementation, with Self-Heal and Runbook Automation planned by Q4 while Corporate Mobile Banking and Mobile Trade Finance FY27. are targeted for delivery by Q3 FY27. Surround Systems Transformation Cybersecurity Systems Transformation 1. A comprehensive digital ecosystem is operational, covering 1. A robust cybersecurity framework has been established customer onboarding, lending, enterprise integration, with WAF, DDoS protection, EDR, SIEM (Splunk), and RegTech, government business, clearing, and KYC VAPT governance tools to enhance threat prevention, platforms. detection, and response. 2. Key enhancements, including CRM, Corporate Onboarding, 2. The Vulnerability Response System is currently under CMS, Corporate Lending upgrades, and automation implementation and is targeted for completion by Q3 initiatives, are progressing with planned deliveries through FY27. FY27. Digital Penetration 30 Enhancing Digital Footprint [ [ 6.56 lakh+ 95.96% 19,200+ Mobile QR % of Digital Banking Users Transaction* Installations [ [ [ 6.56 lakh+ 3,400+ 9.69 lakh+ Net Banking PoS Machine Debit Cards Users Installations *for H1 FY25 654 lakh+ [ 1.96 lakh+ Digital Credit Cards Transaction* *forQ1FY27 Digital Penetration 31 ESG Framework Environmental Social Governance • Energy Efficiency • Employees - We Care through Equality, • ESG /Sustainable Development Policy • Reduction of GHG Emissions Diversity, Growth and Inclusion and • Board Oversight/ Diversity/ Stakeholder • Effluent and Waste Management provide Health/Accident Coverage. Engagement • Sustainable Procurement Practices • Customers- Customer Centricity • Board/Board Committees comprise of /Experience, Grievance Redressal Independent Directors • Promotion of Digital Initiatives Forum, Feedback Mechanism • Minority Shareholder Participation & • ESG impact assessment /scorecard in • Community- CSR Initiatives, Responsible Protection Mechanisms lending Banking, Distribution, FI initiatives • Compliance/Vigilance Policies and • Climate Risk Assessment/Stress Tests • Cyber Security- ISO 27001 certification, Framework Policies, Audits, 24/7 FRM cell ESG 32 Awards & Recognition Indian Institute of Banking & Finance awards “Excellence in Credit & CSB Bank awarded with Compliance Learning Award” to CSB “Best Security Driven CI/CD Pipeline” Bank Awards 33 Disclaimer This presentation has been prepared by CSB Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial requirements or informational needs of any particular person accessing the presentation. 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Total in some columns / rows may not agree due to rounding off. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. 34 THANK YOU THANK YOU CSB BANK LIMITED Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur, Kerala 680 020 Tel: +91 487 2333020 THANK YOU Fax: +91 487 2338764 Email: secretarial@csb.bank.in CIN: L65191KL1920PLC000175