Slide 1: Exchange intimation letter for investor presentation
SEC/106/2025 April 28, 2025 BSE Limited, National Stock Exchange of India Ltd., 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 Investo
Slide 2: Investor Presentation Q4-FY25 / FY 2024-25
INVESTOR PRESENTATION Q4-FY25/ FY 2024-25
Slide 3: Banking Driven by Purpose...
Banking Driven by Purpose... With over a century of banking excellence, CSB Bank stands as a testament to resilience and innovation in the financial sector. Founded 104 years ago, the bank has continuously evolved to meet the dynamic needs of its diverse clientele.
Slide 4: Agenda
Company Overview 4 Strategy 12 Business Overview 16 Financials 22 Digital Penetration 32 ESG 34 Awards 35
Slide 5: Performance Highlights – FY25
Performance Highlights –FY25 ₹ 47,836 Cr ₹ 31,842 Cr ₹ 36,861 Cr ₹ 68,703 Cr Balance Sheet Size Gross Advances Deposits Total Business 33% Y-o-Y 30% Y-o-Y 24% Y-o-Y 27% Y-o-Y ₹ 4,569 Cr ₹ 1,476 Cr ₹ 972 Cr ₹ 594 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 30% Y-o-Y 0% Y-
Slide 6: Performance Highlights – Q4 FY25
Performance Highlights – Q4 FY25 ₹ 47,836 Cr ₹ 31,842 Cr ₹ 36,861 Cr ₹ 68,703 Cr Balance Sheet Size Gross Advances Deposits Total Business 33% Y-o-Y 30% Y-o-Y 24% Y-o-Y 27% Y-o-Y ₹ 1,362 Cr ₹ 371 Cr ₹ 381 Cr ₹ 190 Cr Total Income Net Interest Income Non Interest Income Profit After Tax 37% Y-o-Y 4%
Slide 7: Driven by Purpose, since 1920
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 endeavours to be a leading bank striving to excel in bringing products that sa
Slide 8: Robust Network, Extensive Reach
Robust Network, Extensive Reach Total Business Gold Loans % Distribution State Mar. 2024 Mar. 2025 1(1) 15% Kerala 35 33 12(12) 10% 2(2) 6% 9% Tamil Nadu 17 16 14(14) 32% 29% 5% Andhra Pradesh 12 13 35(35) 17% Maharashtra 10 11 12(13) 17(17) 21% Karnataka 7 7 21% 5% 30% Others 19 *20 25(25) 9(6) 8(7
Slide 9: Shareholding Pattern
Shareholding Pattern No of No of % Of Category Shareholde Share Held holding rs (in Mio) FIHM – Promoter 1 69.39 40.00% FIHM - Promoter Mutual Funds 14 27.63 15.93% 27.70% Mutual Funds Foreign Portfolio 68 22.68 13.07% Investors Foreign Portfolio CSB ESOS Trust 1 4.17 2.40% Investors Q4 FY25 40.00%
Slide 10: Our Board of Directors
Our Board of Directors Mr. Pralay Mondal Mr. B K Divakara Mr. Madhavan Menon Managing Director & CEO Executive Director Non-Executive Director He has over 30 years of banking experience across multiple He has over 37 years of banking experience spanning He has over three decades of experience in fin
Slide 11: Our Board of Directors
Our Board of Directors Mr. Sudhin Choksey Mr. Sharad Kumar Saxena Ms. Renu Kohli Independent Director Independent Director Independent Director He has over 40 years of professional experience, both in He has over 30 years of experience in banking and had She is an economist with research and practit
Slide 12: Our Strong Leadership Team
Our Strong Leadership Team 30+ Pralay Mondal B K Divakara Narendra Kumar Dixit Satish Gundewar Managing Director & CEO Executive Director Head - Retail Banking Chief Financial Officer 30+ 37+ 30+ 28+ Manish Modi Shyam Mani Rajesh Choudhary Manish Agarwal Head - Wholesale Banking Head – SME and NRI C
Slide 13: Driven by SBS 2030
Driven by SBS 2030 Long-term vision of becoming a Launched in Rolled out in three phases: mid-sized new age bank with a March 2022 Sustain, Build, and Scale national presence by 2030 Sustain Build Scale Core Strengths Platforms for Future Execute with Guardrails Sustain and Build Phase (Till FY26) ▪
Slide 14: Driven by SBS 2030 (contd.)
Driven by SBS 2030 (contd.) Sustain Build Scale Core Strengths Platforms for Future Execute with Guardrails Building for Scale Phase (FY27 to FY30) ▪ Transform into full-service new age private sector bank ▪ Enhanced product suite across all customer segments ▪ Customer centricity at heart ▪ Focus o
Slide 15: Driven by SBS 2030 (contd.)
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 Proc
Slide 16: Driven by SBS 2030 (contd.)
Driven by SBS 2030 (contd.) Pillars Customer Compliance Governance Human Technology service Capital Company Business Digital Strategy Financials ESG Awards 15 Overview Overview Penetration
Slide 17: Advances
Advances Gross Advances Gross Advances Mix* 31,842 28,915 26,871 24,572 25,099 5,009 6,233 21% 20% 10,407 14,094 42% FY24 44% FY25 4,241 3,200 13% 13% 5,956 7,274 24% 23% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Gold Loans Corporate Loans SME Loans Retail Loans (₹ crore) * Internal Classification Com
Slide 18: Gold Loan Portfolio
Gold Loan Portfolio Book size Portfolio Quality Tonnage 25.14 22.87 14,094 11.55%* 68.77% 13,018 12,005 10,947 10,407 Yield LTV FY24 FY25 No. of Accounts (in lakhs) 5.28 4.48 0.27% 25.14 T Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 GNPA% Tonnage FY24 FY25 (₹ crore) * Portfolio yield for FY25 Company Bu
Slide 19: Disbursements
Disbursements 9137 10213 8692 11185 12000 31% Y-o-Y 1,938 1570 1621 797 1638 539 1495 393 977 1954 543 748 470 891 975 8099 7311 7451 6065 5752 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 (₹ crore) Gold Loans Corporate Loans SME Loans Retail Company Business Digital Strategy Financials ESG Awards 18 Ove
Slide 20: Investments
Investments Net Investments Yield on Investments FVTPL 2.70% 7,551 8,803 8,370 10132 11389 6.91% 6.94% HTM 6.79% 6.80% 33.53% 6.67% Q4 Q1 Q2 Q3 Q4 FY24 FY25 FY25 FY25 FY25 AFS 63.77% 10,875 9,714 8,430 7,885 7,338 6.79% 6.50% 6.86% 5.94% 6.19% M Duration Q4 Q1 Q2 Q3 Q4 HFT AFS HTM Total FY24 FY25 FY
Slide 21: Deposits
Deposits Total Deposits Term Deposit Mix* CASA Mix 29,719 29,920 31,840 33,407 36,861 27.20% 24.90% 24.09% 24.07% 24.19% 57% 62% 61% 67% 65% 27,943 25,365 24,170 74.15% 75.18% 74.03% 21,634 22,471 78.67% 78.68% 39% 43% 35% 38% 33% 8,085 7,449 7,670 8,042 8,918 25.85% 24.82% 25.97% 21.33% 21.32% Q4 F
Slide 22: Funding
Funding Funding Mix Credit Rating 5% 7% 7% 12% 13% Instrument Rating Tier II Bonds (Under Basel III) CRISIL A/ Stable 69% 70% IND A/Stable 71% 67% 66% Short Term Fixed Deposit CRISIL A1+ 26% 23% 22% 21% 21% Certificate of Deposit CRISIL A1+ Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 CASA TD Borrowing C
Slide 23: Key Performance Matrix
Key Performance Matrix Net Interest Income Non Interest Income Operating Profit Net Profit 386 375 381 371 190 367 362 317 151 152 138 199 219 228 221 113 197 200 172 172 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 FY24 FY25 FY25 FY25 FY25 FY24 FY25 FY25 FY25 FY25 FY24 FY25 FY25 FY25
Slide 24: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Yield on Advances Cost of Deposits Cost of Funds Net Interest Margin 11.77% 6.09% 6.19% 6.32% 11.25% 11.21% 11.06% 5.73% 5.96% 6.57% 10.98% 6.08% 6.25% 6.32% 5.82% 5.04% 4.36% 4.30% 4.11% 3.75% Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 FY24 FY25 FY25
Slide 25: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Return on Assets Return on Equity Credit Cost Cost to Income 1.79% 1.79% 0.57% 1.52% 18.80% 67.69% 1.50% 17.61% 64.66% 62.90% 1.27% 15.28% 0.22% 60.86% 14.53% 0.17% 57.92% 12.69% 0.15% 0.10% Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 FY24 FY25 FY25 FY
Slide 26: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Book Value Per Share CD Ratio (Gross) 86.55% 86.38% 249 83.89% 84.39% 82.68% 236 229 217 209 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 PCR (Incl. w/off) PCR (excl. w/off) 86.44% 83.71% 67.19% 82.53% 65.41% 81.49% 81.47% 60.12% 59.
Slide 27: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) (₹ crore) Asset Quality Q4 Q1 Q2 Q3 Q4 Gross NPA Movement FY24 FY25 FY25 FY25 FY25 452 183 458 183 498 424 169 164 361 125 Opening Balance of 279 361 424 452 458 Gross NPA Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Additions 122 103 64 62 94 Gross NPA Net NPA Sub Total (
Slide 28: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Capital Adequacy Ratio RWA to Total Exposure 24.47% 23.61% 22.74% 21.08% 22.46% 1.37% 1.38% 42.08% 43.08% 42.39% 1.37% 41.76% 40.68% 1.87% 1.35% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 23.10% 22.23% 21.37% Average Liquidity Coverage Ratio 19.73% 20.59% 124% 118% 118%
Slide 29: Profit and Loss Account
Profit and Loss Account Q4 FY24 Q3 FY25 Q4 FY25 YoY QoQ Q4 FY24 Q3 FY25 Q4 FY25 YoY QoQ Interest Operating 795 919 981 23% 7% 228 221 317 39% 44% Income Profit Interest Provision 409 544 610 49% 12% 6 7 49 798% 635% Expense for NPA Net Interest 386 375 371 -4% -1% Other Income 16 10 11 -31% 13% Prov
Slide 30: Profit and Loss Account
Profit and Loss Account FY24 FY25 YoY FY24 FY25 YoY Interest Income 2,927 3,597 23% Operating Profit 780 910 17% Interest Expense 1,451 2,121 46% Provision for NPA -5 82 NA Net Interest Other Provisions 23 29 25% 1,476 1,476 0% Income Total Provisions 18 111 499% Treasury Profit 48 98 106% Profit Be
Slide 31: Balance Sheet
Balance Sheet Liabilities Mar. 31, 2024 Dec. 31, 2024 Mar. 31, 2025 YoY (%) QoQ (%) Capital 174 174 174 0% 0% Reserves & Surplus 3,630 4,103 4,324 19% 5% Deposits 29,719 33,407 36,861 24% 10% Of which CASA 8,084 8,042 8,918 10% 11% Borrowings 1,757 4,474 5,546 216% 24% Other Liabilities & 776 951 93
Slide 32: Key Performance Matrix (contd.)
Key Performance Matrix (contd.) Balance Sheet Size Gross Advances Deposits Total Income 36861 4569 47836 31842 29719 3512 36056 24572 24506 29162 20842 20188 2635 25356 16742 2285 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Profit After Tax ROA Net NPA NIM 0.68% 5
Slide 33: Technology Transformation @ CSB Bank
Technology Transformation @ CSB Bank Technology Infrastructure Core Systems Transformation Transformation 1. Four new Datacenters have been built and commissioned. 1. New Core Banking System (Flexcube) from Oracle is under 2. Private Cloud has been built and ready to use. implementation and will be
Slide 34: Enhancing Digital Footprint
Enhancing Digital Footprint Mobile PoS Machine 6.46 lakh+ Banking Users Installations 2,600+ Net Banking 6.55 lakh+ Users Credit Cards 1.60 lakh+ Digital QR 1529 lakh+ Transaction * Installations 17,800+ % of Digital 92.61% Transaction* Debit Cards 9.55 lakh+ *for FY25 Company Business Digital Strat
Slide 35: ESG Framework
ESG Framework •Energy Efficiency • Employees- We Care through Equality, • ESG /Sustainable Development Policy •Reduction of GHG Emissions Diversity, Growth and Inclusion • Board Oversight/ Diversity/ Stakeholder •Effluent and Waste Management • Customers- Customer Centricity /Experience, Engagement
Slide 36: Awards & Recognition
Awards & Recognition Indian CSR Awards for the CEO of the year awarded Best Healthcare of the year to Mr. Pralay Mondal Initiative for the dialysis during the prestigious project jointly executed with Asia Business Leader of Fairfax foundation. the Year 23rd Edition CSB-Deloitte Collaboration CSB Ba
Slide 37: Awards & Recognition
Awards & Recognition CSB Bank awarded with Excellence CSB Bank honored as “Best MSME CSB Bank has won the award under in Operational Efficiencies – 2025. Lending” at Assocham MSME special mention, innovative sub- category in the IBA CISO elevator pitch Excellence Awards. competition. Company Busines
Slide 38: Disclaimer
Disclaimer This presentation has been prepared by CSB Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No informa
Slide 39: Thank You
THANKYOU THANKYOU CSB BANK LIMITED Regd. Office: CSB Bhavan, St. Mary's College Road, Thrissur, Kerala 680 020 THANKYOU THANKYOU Tel: +91 487 2333020 Fax: +91 487 2338764 Email: board@csb.co.in CIN: L65191KL1920PLC000175 THANKYOU