Central Bank of India · NSE:CENTRALBK
Central Bank of India — FY2026 Earnings Presentation
59 slides from Central Bank of India's earnings presentation, Apr 30, 2026
Slide 1: Filing letter to stock exchanges on results presentation
केंद्रीय कायाा लय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:29 Date: 30.04.2026 National Stock Exchange of India Limited BSE Limited Listing Department, Exchange Plaza, Corporate Relationship Dept., Plot No. C/1, ‘G’ Block, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Bandra (Eas
Slide 2: Quarter/Financial Year ended 31st Mar'2026
Quarter/Financial Year ended 31st Mar’2026 Visit us at www.centralbank.bank.in
Slide 3: Macro Economic Indicators (1/2)
MACRO ECONOMIC INDICATORS (1/2) IMF World Economic Outlook Growth Projections 2025 2026 2027 World Economy 3.4 3.1 3.2 Economic Outlook & Projections Advanced Economies 1.9 1.8 1.7 US 2.1 2.3 2.1 ❑ US-Iran conflict under ceasefire has raised concerns about fertilizers and energy availability in Indi
Slide 4: Macro Economic Indicators (2/2)
MACRO ECONOMIC INDICATORS (2/2) Trade Performance 76.06 71.24 62.66 63.55 63.71 59.59 Economic Outlook & Projections 43.90 38.13 38.51 39.53 38.92 34.38 38.52 36.56 36.61 35.86 35.50 35.20 ❑ The trade deficit narrowed in March as both exports and imports saw a synchronized dip during March 2026. Ind
Slide 5: Values That Set Us Apart
VALUES THAT SET US APART Consistency Ethical Nurturing Transparency Responsive- Accountability Loyalty Standards Potential ness
Slide 6: Strengths
STRENGTHS Strong Brand Best CASA base Dedicated Image with @47.30% of Staff Legacy of Total Deposits Strength Of 114+ Years Strong Rural 33997 + Semi Urban Pan India Presence with Presence with Active 65% of Total 22129 Customer Customer Base Branches in RUSU Centers Touch Points 8.26 Crore 5
Slide 7: Contents
CONTENTS CONTENTS Performance 13 Financial Performance Business Performance Highlights 07 Asset Quality & Capital Adequacy 21 28 50 Investments Group 36 Performance 40 Digital Journey & FI 47 Other Information 6
Slide 8: Performance Highlights
PERFORMANCE HIGHLIGHTS
Slide 9: Key Milestone Achievements
KEY MILESTONE ACHIVEMENTS TOTAL BUSINESS CROSSED ₹ 8,00,000 Crore SAVING DEPOSITS CROSSED ₹ 2,00,000 Crore RETAIL ADVANCE PORTFOLIO CROSSED ₹ 1,00,000 Crore 8
Slide 10: Key Highlights
KEY HIGHLIGHTS FY’26 vis-a-vis FY’25 Total Business Total Deposits CASA Gross Advances ₹ ₹812439 Cr ₹467923 Cr ₹220781 Cr ₹ ₹344516 Cr 15.60% 13.38% 9.75% 18.76% RAM Total Income Interest Income Net Profit* ₹234571 Cr ₹ ₹42342 Cr ₹ ₹36026 Cr ₹ ₹4369 Cr 20.86% 7.72% 7.01% 15.43% Gross NPA Net NPA ROA
Slide 11: Profitability – Sustained Growth
PROFITABILITY – SUSTAINED GROWTH NET PROFIT ₹ in Cr 51.39% 61.13% 48.49% 15.43% 3785 4369 * 1582 2549 2549 3785 1045 1582 MA R'2 2 MA R'2 3 MA R'2 3 MA R'2 4 MA R'2 4 MA R'2 5 MA R'2 5 MA R'2 6 (F Y) (FY) (FY) (F Y) (F Y) (F Y) (F Y) (F Y) FY 2022-23 FY 2023-24 FY 2024-25 FY 2025-26 1034 1169 1263 1
Slide 12: Sustained Headline Numbers (Standalone) – Year
SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Year Ended Growth Particulars Mar’25 Mar’26 Y-o-Y Yield on Advances (%) 8.78 8.21 (57 bps) Yield on Investments (%) 6.87 6.74 (13 bps) Yield on Funds (%) 8.24 7.82 (42 bps) Cost of Deposits (%) 4.76 4.82 6 bps Cost of Funds (%) 4.85 4.83 (2
Slide 13: Sustained Headline Numbers (Standalone) – Quarter
SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Quarter Ended Growth Particulars Mar’25 Dec’25 Mar’26 Q-o-Q Y-o-Y Yield on Advances (%) 8.66 8.15 7.78 (37 bps) (88 bps) Yield on Investments (%) 6.83 6.68 6.76 8 bps (7 bps) Yield on Funds (%) 8.16 7.62 7.85 23 bps (31 bps) Cost of Depo
Slide 14: Financial Performance
FINANCIAL PERFORMANCE
Slide 15: Interest Income
INTEREST INCOME ₹ in Cr Quarter Ended Year Ended Particulars Mar'25 Dec'25 Mar'26 Y-o-Y (%) Q-o-Q (%) Mar'25 Mar'26 Y-o-Y (%) Interest on Advances 5846 6091 6359 8.78 4.40 22339 24050 7.66 Interest on Investments 2492 2682 2600 4.33 (3.06) 10092 10210 1.17 Interest on balances with 231 256 269 16.45
Slide 16: Non-Interest Income
NON-INTEREST INCOME ₹ in Cr Quarter Ended Year Ended Particulars Mar'25 Dec'25 Mar'26 Y-o-Y (%) Q-o-Q (%) Mar'25 Mar'26 Y-o-Y (%) Fee Based Income (i + ii + iii) 597 524 655 9.72 25.00 2180 2233 2.43 Commission Exchange & Brokerage (i) 98 100 125 27.55 25.00 390 406 4.10 - Commission on LC/BG/DDs 49
Slide 17: Total Expenses
TOTAL EXPENSES ₹ in Cr Quarter Ended Year Ended Particulars Mar'25 Dec'25 Mar'26 Y-o-Y (%) Q-o-Q (%) Mar'25 Mar'26 Y-o-Y (%) Interest Expenses 5220 5531 5659 8.41 2.31 19769 21855 10.55 Interest Paid on Deposits 4815 5312 5275 9.53 (0.70) 18488 21001 13.59 Other Interest 405 219 384 (5.19) 75.34 128
Slide 18: Operating Expenses
OPERATING EXPENSES ₹ in Cr Quarter Ended Year Ended Particulars Mar'25 Dec'25 Mar'26 Y-o-Y (%) Q-o-Q (%) Mar'25 Mar'26 Y-o-Y (%) Employee Benefit 1329 1397 1444 8.65 3.36 5129 5552 8.25 Retrial Benefit 556 658 355 (36.15) (46.05) 2090 2029 (2.92) Rent, Taxes and Lighting 187 156 202 8.02 29.49 659 6
Slide 19: Provisions
PROVISIONS ₹ in Cr Quarter Ended Year Ended Particulars Mar'25 Dec'25 Mar'26 Y-o-Y (%) Q-o-Q (%) Mar'25 Mar'26 Y-o-Y (%) NPAs 830 276 647 (22.05) 134.42 2802 1534 (45.25) Standard Assets 77 150 (128) (266.23) (185.33) 73 (115) (257.53) Depreciation/ Provisions on (229) (77) (19) 91.70 75.32 (306) (1
Slide 20: Statement of Income & Expenditure
STATEMENT OF INCOME & EXPENDITURE ₹ in Cr Quarter Ended Year Ended Particulars Mar'25 Dec'25 Mar'26 Y-o-Y (%) Q-o-Q (%) Mar'25 Mar'26 Y-o-Y (%) Total Interest Income 8619 9033 9661 12.09 6.95 33666 36026 7.01 Total Interest Expenses 5220 5531 5659 8.41 2.31 19769 21855 10.55 Net Interest Income 3399
Slide 21: Balance Sheet – Stand Alone
BALANCE SHEET – STAND ALONE ₹ in Cr As on As on As on Particulars 31st Mar’25 31st Dec’25 31st Mar’26 CAPITAL & LIABILITIES Capital 9051 9051 9051 Reserves and Surplus 27455 29943 29419 Deposits 412697 450575 467923 Borrowings 21592 32830 31481 Other Liabilities and Provisions 8333 9494 11606 Total
Slide 22: Asset Quality & Capital Adequacy
ASSET QUALITY & CAPITAL ADEQUACY
Slide 23: Asset Quality Trend
ASSET QUALITY TREND 3.18 3.01 3.13 0.55 2.70 2.67 0.48 0.49 0.49 0.45 MAR'25 JUN'25 SEP'25 DEC'25 MAR'26 MAR'25 JUN'25 SEP'25 DEC'25 MAR'26 GROSS NPA % NET NPA % ₹ in Cr Particulars Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Gross Advances 290101 275595 293488 323531 344516 Net Advances 282420 268266 286024
Slide 24: NPA Movement
NPA MOVEMENT ₹ in Cr Particulars FY 24-25 JUN’25(QTR) SEP'25 (QTR) DEC'25 (QTR) MAR’26 (QTR) FY 25-26 Opening Gross NPAs 11340 9225 8638 8827 8726 9225 Add: Slippage of PA to NPAs 2975 839 733 658 1301 2968 Increase in Balance of 520 150 64 52 84 299 existing NPAs Sub-Total 3495 989 797 710 1385 326
Slide 25: Sector-wise NPA Classification
SECTOR-WISE NPA CLASSIFICATION NPA Classification: Sector-Wise ₹ in Cr Recovery in Written Off Accounts (Q-o-Q) GNPA Advances TOTAL Particulars (Mar'26) GNPA% NNPA NNPA% 1026 Mar’25 Dec’25 Mar’26 Total NPA 9225 8726 9185 344516 2.67 1666 0.49 613 Retail 1000 968 986 103533 0.95 141 0.14 549 Agricult
Slide 26: Other Major Ratios
OTHER MAJOR RATIOS PROVISION COVERAGE RATIO 96.54 97.02 96.88 96.69 95.97 84.86 84.55 83.27 83.80 81.86 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Including TWO Excluding TWO SLIPPAGE RATIO (Non-Annualized) CREDIT COST 0.56 2.14 0.44 0.39 0.38 0.35 0.34 1.23 0.30 0.25 0.79 0.68 0.55 0.49 0.37 0.21 JUN'24 JU
Slide 27: Restructured Book & Special Mention Accounts
RESTRUCTURED BOOK & SPECIAL MENTION ACCOUNTS Standard Restructured Book ₹ in Cr Special Mention Accounts (₹ 5 Crore and above)) ₹ in Cr Segment Mar'25 Jun'25 Sep'25 Dec'25 Mar’26 Asset Quality Mar'25 No. of A/Cs Amount % of Total Advance Retail 565 550 538 490 505 SMA 0 17 221 0.08 Agriculture 106 1
Slide 28: Capital Ratios
CAPITAL RATIOS CAPITAL ADEQUACY RATIO 17.02 17.66 17.34 16.13 17.91 2.18 2.29 2.36 2.30 2.26 15.61 15.48 14.98 14.73 13.87 MAR'25 JUN'25 SEP'25 DEC'25 MAR'26 CET-I Tier-II LEVERAGE RATIO 6.15 6.21 5.92 5.85 5.63 MAR'25 JUN'25 SEP'25 DEC'25 MAR'26 27
Slide 29: Business Performance
BUSINESS PERFORMANCE
Slide 30: Business Across the Board
BUSINESS ACROSS THE BOARD ₹ in Cr Y-o-Y PARTICULARS MAR’25 MAR’26 Growth % Total Business 702798 812439 15.60 Total Deposits 412697 467923 13.38 (Including Interbank Deposits) Certificate of Deposit - 4628 - (Included in Total Deposits) CASA Deposits 201173 220781 9.75 Z CASA % 48.91 47.30 (161 bps)
Slide 31: Deposit Mix
DEPOSIT MIX MAR'25 MAR'26 0.34% 4.70% ₹ in Cr 0.23% 4.44% Y-o-Y PARTICULARS MAR'25 MAR'26 Growth % Current 19411 20757 6.93 50.92% 44.04% 52.58% 42.75% Savings 181762 200024 10.05 Total CASA Deposits 201173 220781 9.75 Savings Core Time Deposit Inter Bank Deposits Current CASA % 48.91 47.30 (161 bps
Slide 32: Credit Performance
CREDIT PERFORMANCE ₹ in Cr Y-o-Y SECTOR MAR’25 MAR’26 Growth % Retail 82383 103533 25.67 Agriculture 52456 61687 17.60 MAR'25 MAR'26 MSME 59243 69351 17.06 33.10% RAM 194082 234571 20.86 28.40% 31.91% 30.05% Corporate 96019 109945 14.50 RAM RAM 66.90% 68.09% Gross Advance 290101 344516 18.76 17.91%
Slide 33: Diversified Loan Book
DIVERSIFIED LOAN BOOK ₹ in Cr SECTOR Amount As on 31st Mar’26 Housing Loan 59012 Housing Loan 31.91% 17.13% Education Loan Auto Loan 4676 1.36% MSME Credit Personal Loan 4335 1.26% Auto Loan Education Loan 6374 RAM 1.85% 68.09% Personal Loan Other Retail Loan 29136 8.45% Agriculture Loan Total Retai
Slide 34: Retail Segment
RETAIL SEGMENT ₹ in Crore As on 31st Mar’2026 % of Total Retail Advance Y-o-Y Growth HOME LOAN ₹ 59012 EDUCATION LOAN ₹ 6374 57.00% 13.13% 6.16% 17.86% AUTO LOAN ₹ 4676 4.52% 16.96% PERSONAL LOAN ₹ 4335 OTHER LOAN ₹ 29136 4.19% (4.58%) 28.13% 79.08% Retail Segment ₹ 103533 30.05% of Total Advance Y-
Slide 35: Rated Standard Advances
RATED STANDARD ADVANCES ₹ in Cr MAR'25 INVESTMENT GRADE WISE STANDARD ADVANCES CRE. 0.87% BB and Below. Unrated. MAR’25 MAR’26 Y-o-Y 2.71% (FUND BASED) Government 1.68% MAR’26 (%) Guaranteed (₹ 25 Crore and above) Advances. 4.85% BBB. AAA. CRE. 0.51% BB and Below. 0.92% AAA 50082 62451 24.70 8.02% 5
Slide 36: Achievement Under Mandated Targets
ACHIEVEMENT UNDER MANDATED TARGETS TOTAL PRIORITY SECTOR ADVANCES ADVANCES TO MICRO ENTERPRISES @ 53.18% of ANBC against norm of 40% @ 14.70% of ANBC against norm of 7.50% SURPASSED THE MANDATED NORMS IN RESPECT OF WEAKER SECTOR ADVANCES TO SMALL AND MARGINAL FARMERS @ 14.86% of ANBC against norm of
Slide 37: Investments
INVESTMENTS
Slide 38: Investment Portfolio
INVESTMENT PORTFOLIO ₹ in Cr Particulars MAR'25 MAR’26 Govt. Securities 111908 128830 MAR‘25 MAR’26 Other Approved - - 0.90% 0.92% 0.52% 0.03% 0.39% 0.03% Shares 2076 1848 16.39% 18.86% Debentures & Bonds 26974 26025 1.45% 1.16% Subsidiaries & Joint Ventures 740 627 Others 1287 1455 Total Investment
Slide 39: Treasury Performance
TREASURY PERFORMANCE ₹ in Cr INTEREST ON INVESTMENT PROFIT ON SALE OF INVESTMENT Mar'25 Mar'26 Particulars (FY) (FY) 10210 10092 1054 1048 Aggregate Investment 143032 158832 Interest on Investment 10092 10210 Yield on Investment % 6.87 6.74 MAR'25 MAR'26 MAR'25 MAR'26 Profit on Sale of Investments 1
Slide 40: Treasury Operations
TREASURY OPERATIONS ₹ in Cr TOTAL INVESTMENT BOOK MAR’25 MAR’26 AGGREGATE INVESTMENT 143032 158832 FVTPL FVTPL PORTFOLIO HTM AFS (HFT/ NON HFT) HFT HTM AFS SAJV (HFT/ NON HFT) INVESTMENT 98765 39288 4124 855 109169 43495 5493 674 PERCENTAGE 69.05% 27.47% 2.88% 0.60% 68.74% 27.39% 3.45% 0.42% TOTAL S
Slide 41: Digital Journey
DIGITAL JOURNEY
Slide 42: Digital Transactions & Customer Touch Points (1/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH /2) Apr’24 to Mar’25 Apr’25 to Mar’26 UPI Debit Card (POS) 5.30% 0.85% 4.37% 4.12% 0.65% 3.50% 0.47% 0.25% 0.32% IMPS RTGS/NEFT 0.43% 0.34% 0.41% 2.47% 3.77% Mobile Banking AEPS-BHIM-AADHAR 84.40% 88.35% Internet Banking Others Share of Digital Txns Share of Dig
Slide 43: Digital Transactions & Customer Touch Points (2/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (2/2) IMPS TRANSACTIONS UPI (Remitter + Beneficiary) 1619.14 52068.77 1456.58 36263.45 APR'24 - MAR'25 APR'25 - MAR'26 APR'24 - MAR'25 APR'25 - MAR'26 MOBILE BANKING INTERNET BANKING 185.35 187.06 197.80 177.66 APR'24 - MAR'25 APR'25 - MAR'26 APR'24 - MAR
Slide 44: Leveraging Technology
LEVERAGING TECHNOLOGY Cent eeZ : New Features Launched Cent eeZ Vyapaar Saathi Corporate Net Banking platform ➢ Multilingual: Application in Hindi language available to all ➢ Objective: Provide a comprehensive, secure and efficient digital customers and customers have a choice to switch languages. b
Slide 45: Digital Initiatives (1/2)
DIGITAL INITIATIVES (1/2) Digital Lending Platform (DLP) Digital Account Opening Platform ➢ Education Loan (Retail) ▪ Tailored variants for Education Loan needs ▪ Cent Vidyarthi India/ Abroad ▪ Cent PM Vidyalaxmi ▪ Cent Vidyarthi NCGTC ➢ DKYC (TAB Based): Live since May 2025. ▪ Cent Vidyarthi Educat
Slide 46: Digital Initiatives (2/2)
DIGITAL INITIATIVES (2/2) ATM Switch with Monitoring Solution Internet Banking -Multiple Nomination Facility and Debit Card Management System (DCMS) The multiple nomination functionality has been introduced to enable customers The bank has upgraded its ATM and Debit Card Management Systems into a to
Slide 47: Financial Inclusion
FINANCIAL INCLUSION S Balance Outstanding (₹ in Cr) No. of Accounts (in Lakhs) O C I P 195.55 9222.59 A 194.34 8484.89 L M 192.88 8093.76 7869.13 8330.09 189.67 J 186.88 S D E C Y MA R'2 5 JUN'2 5 SE P'2 5 DEC '2 5 MA R'2 6 MA R'2 5 JUN '2 5 SE P'2 5 DEC '2 5 MA R'2 6 U R I PMJJBY PMSBY APY T Y 32.2
Slide 48: Central Bank of India - Group
CENTRAL BANK OF INDIA - GROUP Subsidiaries ₹ in Cr Shareholding Particulars Mar’25 (F.Y.) Mar’26 (F.Y.) Cent Bank Home Finance Ltd. (Unaudited) Total Income 183.56 183.84 • Engaged into Housing Finance Activity • Presence in 12 States through 37 Branches Net Profit/(Loss) 25.29 19.70 • Advances & In
Slide 49: Central Bank of India - Group Position
CENTRAL BANK OF INDIA - GROUP Group Position ₹ in Cr Particulars As on 31st Mar'25 As on 31st Mar'26 CAPITAL & LIABILITIES Capital 9051 9051 Reserves and Surplus 27830 29950 Minorities Interest 85 92 Deposits 413271 468444 Borrowings 21820 31854 Other Liabilities and Provisions 8400 11688 Total 4804
Slide 50: Central Bank of India - Group Performance
CENTRAL BANK OF INDIA - GROUP Group Performance ₹ in Cr Year ended Particulars Mar'25 Mar'26 INCOME Interest and Dividend Earned 33797 36168 Other Income 5659 6415 Total 39456 42583 EXPENDITURE Interest Expended 19830 21926 Operating Expenses 11451 12050 Provisions and Contingencies 4357 4123 Total
Slide 51: Shareholding & Ratings
SHAREHOLDING & RATINGS As on 31st Mar’2026 As on 31st Mar’2026 Other Body Corp. 0.18% • Share Capital : ₹ 9051.40 Cr Public. 4.87% Insurance Cos.. 3.27% • Shares of Central Bank of India are listed at FIIs . 0.75% BSE and NSE NRI. 0.11% • Equity Shares of Central Bank of India are part of NSE 500, B
Slide 52: Pan India Network of Branches
PAN INDIA NETWORK OF BRANCHES 1. Ladakh 1 19. Tripura 6 As on 31st Mar’26 2. Jammu and Kashmir 15 20. West Bengal 317 Total Branches 4585 17.82% 1 Rural 1622 16.99% 35.38% 3. Himachal Pradesh 57 21. Odisha 105 2 Semi Urban 1367 4. Chandigarh 11 22. Gujarat 311 3 Urban 779 5 4 5. Punjab 143 23. Madhy
Slide 53: Guidance
GUIDANCE GUIDANCE FOR ACHIVEMENTS GUIDANCE FOR PARAMETERS FY 25-26 (Mar’2026) FY 26-27 Business Growth 14-15% 15.60 % 14-15% Deposit Growth 10-12% 13.38 % 10-12% Advances Growth 14-16% 18.76 % 14-16% CASA 48%(+/- 1%) 47.30 % 48%(+/- 1%) RAM: Corporate Credit Ratio 65:35 (+/-5%) 68:32 65:35
Slide 54: New Initiatives
NEW INITIATIVES Credit Governance, Capacity Building RAM Segment Led Growth Compliance and Recovery ➢ Training programme for 1,000 credit officers to ➢ Conducted mega outreach camps across Retail, Agri, ➢ Quarterly 'Compliance First' communication through improve underwriting quality and decision sp
Slide 55: Environment, Social and Governance
ENVIRONMENT, SOCIAL AND GOVERNANCE Social Environment ❑The Bank sanctioned ₹ 1.17 crores worth of CSR funds on activities as mentioned below, as of 31st March 2026: ❑ The Bank has financed numerous projects pertaining to renewable energy . As on 31st • Educational support to underprivileged children
Slide 56: Awards and Recognition
AWARDS AND RECOGNITION First Prize for Regional Official “Best Organisation for Women” Customer Experience Transformer at Data Language 2024-25 of North Eastern at the ET Edge award ceremony 2026 Innovation Awards 2026 hosted by Hitachi Region awarded by GOI Vantara/Dataquest Tech-Driven Operational
Slide 57: Product Offering
PRODUCT OFFERING her own safe haven + spacial terest benoit for 2 Build your dream home. with confidence Ros ems « — 003030 i= CENT ENGINEERING ng engineering mtute CENT @ i HOTELLOAN © Fuel Your Hospitality Growthy th A a + Finance for hotels, resorts, lodges & restaurants + Floxible repayment opti
Slide 58: Disclaimer
DISCLAIMER Certain statements in this presentation are forward looking statements which are based on management’s current expectations and estimations. Actual outcome may change due to some uncertainties, risk and various other factors. 57
Slide 59: Thank You
THANK YOU https://youtube.com/c/CentralBankofIndiaOfficial https://in.linkedin.com/company/centralbankofindia https://www.instagram.com/centralbank_in http://twitter.com/centralbank_in https://www.facebook.com/centralbankofindia 58