Investor Presentation

SEC/262/2026 October 23, 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 and half year ended September 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/261/2026 dated October 23, 2026, please find enclosed a copy of Investor Presentation on financial and business performance of the Bank for the quarter and half year ended September 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 Q2-FY27 What's Inside Company Overview 4 Strategy 11 Business Overview 15 Financials 21 Digital Penetration 32 ESG 35 Awards 36 Performance Highlights – Q2 FY27 60,561 42,383 46,889 89,272 ₹ Cr ₹ Cr ₹ Cr ₹ Cr Balance Sheet Size Gross Advances Deposits TotalBusiness 21% Y-o-Y 22% Y-o-Y 18% Y-o-Y 20% Y-o-Y 1,612 510 274 183 ₹ Cr ₹ Cr ₹ Cr ₹ Cr TotalIncome Net Interest Income Non Interest Income Profit After Tax 11% Y-o-Y 20% Y-o-Y 22% Y-o-Y 14% Y-o-Y 19.55% 0.33% 1.29% 3.81% Capital Adequacy Ratio Net NPA ROA NIM Q2-FY26 20.99% Q2-FY26 0.52% Q2-FY26 1.33% Q2-FY26 3.81% Y-o-Y : Q2 FY27 v/s Q2 FY26 Company Overview 4 Driven by Purpose, since 1920 Journey began in Oldest private sector Focus on comprehensive November 1920 bank in Kerala financial needs of ▪ Retail customers ▪ MSME customers ▪ Corporate Clients Offer products and services Promoted by FIH Mauritius ▪ Agricultural Sectors across Personal Banking, Loans Investments Ltd, an entity ▪ Microfinance and Underbanked Segments and Advances, Corporate backed by Fairfax Group ▪ High-Net-Worth Individuals (HNIs) Banking, Digital Banking ▪ Digital Banking Customers CSB Bank endeavors to be a leading bank striving to excel in bringing products that satisfy the needs of targeted client segments, backed by excellent service – through our branches and technology driven initiatives in a compliant and regulated manner. For our employees, we want to create a culture of pride – driven by performance and productivity that should eventually result in sustainable growth in Vision business and deliver superior returns to our shareholders. Company Overview 5 Robust Network, Extensive Reach Total Business Gold Loans % Distribution State Sept 2026 Sept 2025 Kerala 31 32 2(2) 1(1) 21% 26% 24% Tamil Nadu 16 16 12(12) 11% Andhra Pradesh 13 13 15(15) 7% 36(36) 7% 17% Maharashtra 11 11 12(13) 17(17) 19% 31% Karnataka 7 7 7(5) 20% 6% Others * 22 21 25(25) 11(11) 9(2) 8(7) *of which NCT Delhi (4%), Telangana (4%), Gujarat (3%) Total Deposits 1(1) Gross Advances 93(92) 1(1) No. of Branches Population 32(31) Sept 2026 Sept 2025 16% 16% 36% 25% Metropolitan 233 224 4(4) 109(107) 6% 61(57) Urban 177 165 25% 3(3) 8% Semi-Urban 397 387 270(256) 24% 10% Rural 65 62 14% 16% 143(146) Grand Total 872 838 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 Mutual Funds 10 22.82 13.15% 30.01% Foreign Portfolio Foreign Portfolio 87 21.38 12.32% Investors Investors 40.00% CSB ESOS Trust 1 3.54 2.04% CSB ESOS Trust Alternate Investment 2.48% 13 4.30 2.48% Alternate Funds Investment Funds 2.04% 12.32% Others (incl. non- 13.15% Others resident Indians, body 66,093 52.06 30.01% corporates, resident individuals) Total 66,205 173.49 100% As at September 30, 2026 Company Overview 7 Our Board of Directors Mr. Pralay Mondal Mr. B K Divakara Mr. Biswamohan Mahapatra Managing Director & CEO Executive Director Non-Executive Independent Chairperson Mr. B K Divakara is the Executive Director of the Bank since Mr. Pralay Mondal is the Managing Director & CEO of the Bank Mr. Biswamohan Mahapatra is the Non-Executive Independent March 15, 2024. He has over 38 years of banking experience since September 15, 2022. He has over 36 years of experience in Chairperson of the Bank since May 9, 2025. He was a central spanning various spheres. Before being appointed as Executive leading banking companies across multiple business segments banker with a career spanning about 33 years in RBI in various Director, he worked at the Bank as CFO for a little over 3 years and as and functions, including retail assets, retail liabilities, business capacities and retired as Executive Director in August 2014. He Head of Strategy and Corporate Legal for almost 9 months. Prior to banking, products and technology. His achievements include was associated with various working groups and committees joining the CSB Bank, he was the Executive Director of Central Bank pioneering efforts in doorstep banking and direct sales, creating constituted by the government and represented the RBI as a of India for a period of five years, from January 23, 2014. He worked deep geography distribution, and building and scaling up of member /Chairman/ Convenor of these various working groups closely in finance, credit, priority sector lending, balance sheet retail businesses. He had played a pivotal role/s in leading banks and committees. He was the convenor of the Government of management, profit planning & forecasting, capital raising such as Axis Bank, Yes Bank, HDFC Bank and Standard India Task Force to set up the Resolution Corporation under the programme, investor relations, credit monitoring, recoveries, Chartered Bank. Indian Financial Code. Post-retirement, he was an advisor to operations, Treasury, internal audit, risk management, and the RBI on the bank licensing process. transaction banking. Ms. Sharmila Abhay Mr. Sudhin Choksey Mr. Sharad Kumar Saxena Karve Independent Director Independent Director Independent Director Mr. Sudhin Choksey has over 40 years of professional Mr. Sharad Saxena has over 30 years of experience in banking Ms. Sharmila Karve has over three decades of association experience, both in India and overseas. He was the and had held almost all the leadership positions in ICICI Bank with the Network of Price Waterhouse firms in India in former Managing Director of GRUH Finance Ltd., which technology group. He was the Chief Technology Officer of Bank various capacities, including the roles of Head of Audit and was merged with Bandhan Bank. He has expertise in the of Baroda, and as the Head of IT of Bank of Baroda, he Head for Risk & Quality, till she retired in 2019. She was mortgage finance business and skilled in lending successfully led the bank merger of erstwhile Vijaya Bank and appointed as the Diversity & Inclusion Leader for the PwC business. He was the recipient of the ‘Business Leader – erstwhile Dena Bank with Bank of Baroda. Global network and was on the Global Leadership Team Financial Services’ Award for the year 2015 from the and the Global Human Capital Team. Institute of Chartered Accountants of India, New Delhi. Company Overview 8 Our Board of Directors Ms. Renu Kohli Mr. Deepak Maheshwari Mr. DN Narasimha Raju Independent Director Independent Director Independent Director Ms. Renu Kohli is an economist with research and Mr. Deepak Maheshwari is an experienced [Showing first 8,000 characters — download PDF for full document]