Investor Presentation

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 INVESTOR PRESENTATION Q1-FY27 Engineered to Build Empowered to Scale 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% 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% Urban 176 165 3(3) 25% 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 professio [Showing first 8,000 characters — download PDF for full document]