CSB Bank Limited — PPTs, 28-01-2025: Investor Presentation

**Financial Highlights:** CSB Bank's balance sheet reached ₹43,109 Cr, up 30% YoY, driven by gross advances of ₹28,915 Cr (+26% YoY) and total deposits of ₹33,407 Cr (+22% YoY). Total income increased to ₹1,139 Cr (+28% YoY), while net interest income grew to ₹375 Cr (+2% YoY). Profit after tax rose to ₹152 Cr, reflecting a 1% YoY increase. The bank maintains a solid capital adequacy ratio of 21.08% and reports a net NPA of 0.64%.

**Strategic Initiatives and Growth Drivers:** CSB Bank is advancing its long-term vision, "SBS 2030," which aims to expand nationwide and develop a robust technology platform. The focus remains on gold loans and enhancing the product suite to meet diverse customer needs, emphasizing operational excellence and customer-centric strategies.

**Business Developments:** The bank has successfully implemented several technology upgrades, including new systems for digital onboarding and compliance, enhancing operational efficiency and customer experience.

**Market Position and Competitive Advantage:** CSB Bank operates across multiple segments, catering to retail, SME, and corporate clients, which positions it to capitalize on India's growing banking demands while focusing on innovation and digitalization.

**Investor Implications:** The performance metrics suggest a positive outlook, with potential growth driven by strategic initiatives and a diversified product range. Investors should monitor the bank’s continued expansion and technological advancements as indicators of future performance.