CSB Bank's ESOS Trust Transfers 40,210 Equity Shares to Five Eligible Grantees Under Employee Stock Option Scheme 2019

CSB Bank Limited's Board of Directors approved the audited financial results for the quarter and financial year ended March 31, 2026, at their meeting held on May 4, 2026. The results were reviewed by the Audit Committee and audited by joint statutory auditors Walker Chandiook & Co LLP and Sundaram & Srinivasan, Chartered Accountants, who issued an unmodified audit report. Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the bank released a press release and an investor presentation on financial and business performance for Q4 FY26 and FY 2025-26. Subsequently, pursuant to Regulation 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the audio recordings of the conference call for Institutional Investors/Analysts held on May 4, 2026 at 05:30 p.m. IST have been made available on the bank's website at www.csb.bank.in under the Earnings Call section.

In continuation of the intimation, the bank submitted the clippings of the Audited Financial Results published in newspapers on May 5, 2026, viz. Business Standard (All India Edition) and Deepika (Malayalam), pursuant to Regulation 47 of the SEBI (LODR) Regulations, 2015. The published extract covers key financial metrics for the quarter and year ended March 31, 2026, and is also available on the bank's website at www.csb.bank.in . The full format of the audited financial results is available on the websites of NSE and BSE.

Published Financial Extract

The extract of audited financial results published in newspapers presents the following key figures (all figures in ₹ Lakhs):

Sl. No. Particulars Q ended 31.03.2026 (Unaudited) Q ended 31.12.2025 (Unaudited) Q ended 31.03.2025 (Unaudited) Year ended 31.03.2026 (Audited) 1 Total Income from Operations 1,50,707 1,43,071 1,36,236 5,68,179 2 Net Profit before tax (before exceptional items) 27,065 20,534 25,654 85,116 3 Net Profit before tax (after exceptional items) 27,065 20,534 25,654 85,116 4 Net Profit after tax (after exceptional items) 20,158 15,267 19,044 63,318 6 Equity Share Capital 17,354 17,354 17,354 17,354 8 Basic EPS (before extraordinary items) ₹10 face value 11.62 8.80 10.98 36.90 9 Basic EPS (after extraordinary items) ₹10 face value 11.62 8.80 10.98 36.90

Financial Performance Overview

CSB Bank delivered steady growth across key parameters for the financial year ended March 31, 2026. Total deposits grew by 20% YoY from ₹36,861 crore as on March 31, 2025 to ₹44,246 crore as on March 31, 2026, with a CASA ratio of 20%. Net advances increased by 26% YoY from ₹31,507 crore to ₹39,848 crore, supported by robust growth of 53% in gold loans and 37% in wholesale banking on a YoY basis.

Net Interest Income (NII) grew by 25% YoY from ₹371 crore for Q4 FY25 to ₹464 crore for Q4 FY26, and up 2% QoQ from ₹453 crore for Q3 FY26. For FY26, NII grew by 17% to ₹1,720 crore against ₹1,476 crore in FY25. Non-Interest Income grew by 21% from ₹972 crore for FY25 to ₹1,177 crore for FY26. Q4 FY26 staff cost includes an estimated incremental cost of ₹5.22 crore pursuant to the new Labour Code. The following table summarises the key income statement and business metrics:

(Rs Crore) Q4 FY26 Q4 FY25 YoY (%) Q3 FY26 QoQ (%) FY26 FY25 YoY (%) Interest Income 1,201 981 22% 1,154 4% 4,505 3,597 25% Interest Expense 737 610 21% 701 5% 2,785 2,121 31% Net Interest Income 464 371 25% 453 2% 1,720 1,476 17% Other Income 306 381 -20% 276 11% 1,177 972 21% Net Operating Income 770 753 2% 730 6% 2,897 2,448 18% Total Opex 477 436 9% 438 9% 1,812 1,538 18% Operating Profit 294 317 -7% 292 1% 1,085 910 19% Provisions other than Tax 23 60 -62% 87 -73% 234 111 112% PBT 271 257 6% 205 32% 851 800 6% Tax 69 66 5% 53 31% 218 206 6% PAT 202 190 6% 153 32% 633 594 7% Deposits 44,246 36,861 20% 40,460 9% 44,246 36,861 20% Advances (Net) 39,848 31,507 26% 36,677 9% 39,848 31,507 26% CASA 8,832 8,918 -1% 8,316 6% 8,832 8,918 -1% Gold 21,567 14,094 53% 19,020 13% 21,567 14,094 53% CASA% 20% 24% -4% 21% -1% 20% 24% -4%

Key Ratios and Asset Quality

The Cost Income Ratio (CIR) stood at 61.88% for Q4 FY26 compared to 57.92% for Q4 FY25 and 59.97% for Q3 FY26. On a full FY basis, CIR was 62.53% as on March 31, 2026, slightly lower than 62.82% as on March 31, 2025. Return on Assets and Net Interest Margin were at 1.53% and 3.83% respectively during Q4 FY26.

Capital Adequacy Ratio (Basel-III) stood at 20.66% as at March 31, 2026, compared to 22.46% as at March 31, 2025, well above regulatory requirements. Asset quality showed improvement with Gross NPAs declining to 1.66% as on March 31, 2026 from 1.96% as on December 31, 2025, while Net NPAs improved to 0.40% from 0.67% over the same period. The table below presents key balance sheet and asset quality metrics:

Metric 31.03.2026 31.12.2025 31.03.2025 Gross NPAs (%) 1.66% 1.96% 1.57% Net NPAs (%) 0.40% 0.67% 0.52% Capital Adequacy Ratio (Basel-III) 20.66% 19.41% 22.46% Return on Assets (Annualised) 1.50% 1.18% 1.73% Networth (₹ Lakhs) 4,64,902 4,58,735 4,25,663 Basic EPS (₹) 11.62 8.80 10.98

Segment-Wise Performance

Retail Banking remained the largest contributor to revenue and profitability. The segment-wise revenue and profit before tax for the full year ended March 31, 2026 are detailed below:

Segment FY26 Revenue (₹ Lakhs) FY25 Revenue (₹ Lakhs) FY26 Segment Result (₹ Lakhs) FY25 Segment Result (₹ Lakhs) Treasury 86,762 76,380 6,982 10,030 Corporate/Wholesale Banking 1,50,575 1,12,164 10,097 13,102 Retail Banking 3,10,483 2,52,269 60,466 51,075 Other Banking Operations 20,359 16,107 7,628 5,988 Total 5,68,179 4,56,920 85,116 79,953

Balance Sheet and Cash Flow Highlights

Total assets as at March 31, 2026 stood at ₹57,72,652 lakhs, against ₹47,83,627 lakhs as at March 31, 2025. Reserves and surplus were ₹4,68,835 lakhs as at March 31, 2026, compared to ₹4,30,036 lakhs in the previous year. Borrowings increased to ₹7,15,444 lakhs from ₹5,54,628 lakhs. Net cash flow used in operating activities for FY26 was ₹(31,365) lakhs, a significant improvement from ₹(5,25,552) lakhs in FY25. Cash and cash equivalents at the end of the year stood at ₹4,09,680 lakhs, up from ₹3,59,218 lakhs at the beginning of the year.

Credit Ratings and Funding Profile

The investor presentation disclosed the bank's credit ratings across key instruments. The ratings reflect the bank's stable funding profile and strong short-term liquidity standing:

Instrument Rating Tier II Bonds CRISIL A/Stable; IND A/Positive Short Term Fixed Deposit CRISIL A1+ Certificate of Deposit CRISIL A1+

Digital Footprint

CSB Bank's investor presentation highlighted the bank's growing digital presence. Key digital metrics are summarised below:

Digital Metric Figure Mobile Banking Users 6.90 lakh+ Net Banking Users 1.94 lakh+ Debit Cards 9.78 lakh+ QR Installations 19,000+ PoS Machine Installations 3,400+ Digital Transactions (FY26) 1,655 lakh+ % of Digital Transactions 89.11%

MD & CEO Commentary

Commenting on the results, the MD & CEO noted that the bank is entering the crucial Scale Phase of its SBS 2030 vision on a strong note, having successfully navigated challenges including a large-scale core system migration during the year. The bank delivered solid and sustained performance across business and profitability parameters, with deposit and advance growth outperforming industry averages for the fourth consecutive quarter in FY26, recording 20% and 27% YoY growth respectively. Operating profit grew 19% and net profit improved 7% over the previous financial year.

The MD & CEO further highlighted that Q4 FY26 marked the best quarter in terms of asset quality, with GNPA and NNPA ratios at their lowest levels for the year, while all profitability, efficiency, liquidity, and capital adequacy metrics remained stable and well within expected ranges. Going forward, the bank's focus will be on accelerating sustainable and profitable growth anchored in strong fundamentals, leveraging its stabilised core and enhanced operational efficiency to drive higher productivity, disciplined risk management, strong compliance culture, and superior customer outcomes.

About CSB Bank

CSB Bank is one of the oldest private sector banks in India with an existence of over 100 years. The bank has a strong base in Kerala along with significant presence in Tamil Nadu, Maharashtra, Karnataka, and Andhra Pradesh. It offers a wide range of products and services with a particular focus on SME, Retail, and NRI customers, delivered through 862 branches and 832 ATMs/CRMs spread across the country, in addition to alternate channels such as debit cards, internet banking, mobile banking, point of sale services, and UPI.

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