Central Bank of India · NSE:CENTRALBK
Central Bank of India — FY2024-25 Earnings Presentation
60 slides from Central Bank of India's earnings presentation, Apr 28, 2025
Slide 1: Cover letter to stock exchanges on financial results
केंद्रीय कायाा लय INVESTORS RELATION DIVISION Central Office CO:IRD:2025:26:32 Date: 28th April, 2025 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, Bandr
Slide 2: Financial Result Analysis, Quarter/Financial Year Ended 31st Mar'2025
YEAR OF BUSINESS ACCELERATION 2025-26 Financial Result Analysis Quarter/Financial Year Ended 31st Mar’2025 Visit us at www.centralbankofindia.co.in FY 24-25 Analyst Presentation
Slide 3: Macro Economic Indicators (1/2)
MACRO ECONOMIC INDICATORS (1/2) IMF'S GROWTH PROJECTIONS Economic Outlook & Projections 2024 2025 2026 IMF revised down its world growth outlook from the World Economy 3.3 2.8 3.0 January release for the year 2025 from 3.3% to 2.8% and Advanced Economies (AEs) 1.8 1.4 1.5 for 2026 from 3.3% to 3%
Slide 4: Macro Economic Indicators (2/2)
MACRO ECONOMIC INDICATORS (2/2) Headline Retail Inflation (CPI) (Y-o-Y Growth %) Index of Industrial Production (Y-o-Y Growth %) Wholesale Inflation (WPI) (Y-o-Y Growth %) Economic Outlook & Projections 6.2 The headline retail inflation for March 2025 was lowest in 5.5 5.5 5.2 nearly 6 years, at 3
Slide 5: Values That Set Us Apart
VALUES THAT SET US APART C E N T R A L Ethical Transparency Accountability Standards Nurturing Consistency Responsiveness Loyalty Potential FY 24-25 Analyst Presentation 4
Slide 6: Strengths
STRENGTHS Strong Rural + Semi Urban Pan India Presence with Presence with Active 65% of Total 20915 Customer Base Customer Touch Branches in RUSU 7.97 Crore Points Centers Strong Brand Best CASA base Image with Dedicated Legacy of @48.91% of Staff Strength Total Deposits Of 33,081 113+ Years FY 24-2
Slide 7: Contents
CONTENTS 1 3 5 7 Performance Asset Quality & Investments Group Highlights Capital Adequacy Performance 2 4 6 8 Financial Business Digital Journey Other Information Performance Performance & FI FY 24-25 Analyst Presentation 6
Slide 8: Performance Highlights
PERFORMANCE HIGHLIGHTS FY 24-25 Analyst Presentation
Slide 9: Key Milestone Achievements
KEY MILESTONE ACHIVEMENTS TOTAL BUSINESS CROSSED ₹ 7,00,000 Crore HIGHEST EVER NET PROFIT IN A QUARTER ₹ 1,034 Crore FY 24-25 Analyst Presentation 8
Slide 10: Key Highlights
KEY HIGHLIGHTS FY’25 vis-a-vis FY’24 Total Business Total Deposits CASA Gross Advances ₹ 702798 Cr ₹ 412697 Cr ₹ 201173 Cr ₹ 290101 Cr 10.37% 7.19% 4.79% 15.24% RAM Interest Income Operating Profit Net Profit ₹ 194082 Cr ₹ 33666 Cr ₹ 8124 Cr ₹ 3785 Cr 16.13% 9.58% 10.34% 48.49% Gross NPA % Net NPA %
Slide 11: Profitability – Sustained Growth
PROFITABILITY – SUSTAINED GROWTH NET PROFIT ₹ in Cr 217.68% 1045 51.39% 61.13% 48.49% 3785 1582 2549 2549 1045 1582 (888) MAR'21 MAR'22 MAR'22 MAR'23 MAR'23 MAR'24 MAR'24 MAR'25 (FY) (FY) (FY) (FY) (FY) (FY) (FY) (FY) FY 2021-22 F.Y. 2021- FY 2022-23 FY 2023-24 FY 2024-25 1034 22 571 279 279 310 310
Slide 12: Sustained Headline Numbers (Standalone, Year Ended)
SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Year Ended Growth Particulars Mar'24 Mar’25 Y-o-Y Yield on Advances (%) 8.72 8.78 6 bps Yield on Investments (%) 6.57 6.87 30 bps Yield on Funds (%) 8.10 8.24 14 bps Cost of Deposits (%) 4.61 4.76 15 bps Cost of Funds (%) 4.70 4.85 15 bps
Slide 13: Sustained Headline Numbers (Standalone, Quarter Ended)
SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Quarter Ended Growth Particulars Mar'24 Dec’24 Mar’25 Q-o-Q Y-o-Y Yield on Advances (%) 8.91 9.01 8.54 47 bps 37 bps Yield on Investments (%) 6.80 6.87 6.83 4 bps 3 bps Yield on Funds (%) 8.42 8.36 8.05 31 bps 37 bps Cost of Deposits (%)
Slide 14: Financial Performance
FINANCIAL PERFORMANCE FY 24-25 Analyst Presentation
Slide 15: Interest Income
INTEREST INCOME ₹ in Cr Quarter Ended Year Ended Particulars Mar'24 Dec'24 Mar'25 Y-o-Y (%) Q-o-Q (%) Mar'24 Mar'25 Y-o-Y (%) Interest on Advances 5304 5689 5846 10.22 2.76 19707 22339 13.36 Interest on Investments 2546 2590 2492 (2.12) (3.78) 9510 10092 6.12 Interest on balances with RBI and Other
Slide 16: Total Expenses
TOTAL EXPENSES ₹ in Cr Quarter Ended Year Ended Particulars Mar'24 Dec'24 Mar'25 Y-o-Y (%) Q-o-Q (%) Mar'24 Mar'25 Y-o-Y (%) Interest Expenses 4796 4970 5220 8.84 5.03 17826 19769 10.90 Interest Paid on Deposits 4428 4700 4815 8.74 2.45 16908 18488 9.34 Other Interest 368 270 405 10.05 50.00 918 128
Slide 17: Non-Interest Income
NON-INTEREST INCOME ₹ in Cr Quarter Ended Year Ended Particulars Mar'24 Dec'24 Mar’25 Y-o-Y (%) Q-o-Q (%) Mar’24 Mar’25 Y-o-Y (%) Fee Based Income (i + ii + iii) 445 523 597 34.16 14.15 1838 2180 18.61 Commission Exchange & Brokerage (i) 96 96 98 2.08 2.08 377 390 3.45 - Commission on LC/BG/DDs 44 4
Slide 18: Statement of Income & Expenditure
STATEMENT OF INCOME & EXPENDITURE ₹ in Cr Quarter Ended Year Ended Particulars Mar'24 Dec’24 Mar’25 Y-o-Y (%) Q-o-Q (%) Mar’24 Mar’25 Y-o-Y (%) Total Interest Income 8337 8510 8619 3.38 1.28 30722 33666 9.58 Total Interest Expenses 4796 4970 5220 8.84 5.03 17826 19769 10.90 Net Interest Income 3541
Slide 19: Provisions
PROVISIONS ₹ in Cr Quarter Ended Year Ended Particulars Mar'24 Dec'24 Mar'25 Y-o-Y (%) Q-o-Q (%) Mar'24 Mar'25 Y-o-Y (%) NPAs 509 310 830 63.06 167.74 3391 2802 (17.37) Standard Assets 188 - 77 (59.04) - 52 73 40.38 Depreciation/ Provisions on (29) 5 (229) (689.66) - (265) (306) (15.47) Investment I
Slide 20: Asset Quality & Capital Adequacy
ASSET QUALITY & CAPITAL ADEQUACY FY 24-25 Analyst Presentation
Slide 21: Asset Quality Trend
ASSET QUALITY TREND 4.50 4.59 4.54 1.23 3.86 3.18 0.69 0.73 0.55 0.59 MAR'24 JUN'24 SEP'24 DEC'24 MAR'25 MAR'24 JUN'24 SEP'24 DEC'24 MAR'25 GROSS NPA % NET NPA % ₹ in Cr Particulars Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Gross Advances 251745 250615 252944 270779 290101 Net Advances 243406 240999 243013
Slide 22: NPA Movement
NPA MOVEMENT ₹ in Cr Particulars FY 23-24 JUN’24(QTR) SEP‘24(QTR) DEC’24(QTR) MAR’25 (QTR) FY 24-25 Opening Gross NPAs 18386 11340 11388 11604 10460 11340 Add: Slippage of PA to NPAs 4662 650 766 800 1366 2975 Increase in Balance of 462 159 147 133 88 520 existing NPAs Sub-Total 5124 809 913 933 145
Slide 23: Sector-wise NPA Classification
SECTOR-WISE NPA CLASSIFICATION NPA Classification: Sector-Wise ₹ in Cr Mar'25 Advances TOTAL NNPA TOTAL NNPA NNPA % Particulars Mar'24 Jun'24 Sep'24 Dec'24 Mar’25 (Mar'25) NNPA % 1.80 Total NPA 11340 11388 11604 10460 9225 290101 1543 0.55 895 Retail 867 925 917 858 1000 82383 69 0.08 544 0.96 Agric
Slide 24: Other Major Ratios
OTHER MAJOR RATIOS PROVISION COVERAGE RATIO 96.17 96.31 96.54 96.54 93.58 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 SLIPPAGE RATIO CREDIT COST 1.28 3.51 2.13 0.62 0.57 0.56 1.24 1.21 0.39 0.38 0.34 0.34 0.85 0.56 0.49 0.44 JUN'23 JUN'24 SEP'23 SEP'24 DEC'23 DEC'24 MAR'24 MAR'25 JUN'23 JUN'24 SEP'23 SEP'24
Slide 25: 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'24 Jun'24 Sep'24 Dec'24 Mar'25 Asset Quality Mar’24 No. of A/Cs Amount % of Total Advance Retail 625 596 585 578 565 SMA 0 39 896 0.35 Agriculture 233 1
Slide 26: Capital Ratios
CAPITAL RATIOS CAPITAL ADEQUACY RATIO 15.68 16.27 16.43 17.02 2.29 2.26 2.32 2.22 14.73 14.21 14.01 13.36 JUN'24 SEP'24 DEC'24 MAR'25 CET-I Tier-II LEVERAGE RATIO 6.15 5.88 5.86 5.48 JUN'24 SEP'24 DEC'24 MAR'25 FY 24-25 Analyst Presentation 25
Slide 27: Business Performance
BUSINESS PERFORMANCE FY 24-25 Analyst Presentation
Slide 28: Business Across the Board
BUSINESS ACROSS THE BOARD ₹ in Cr Y-o-Y PARTICULARS MAR'24 MAR’25 Growth % Total Business 636756 702798 10.37 Total Deposits 385011 412697 7.19 (Including Interbank Deposits) Certificate of Deposit - - - CASA Deposits 191969 201173 4.79 Z CASA % 50.02 48.91 (111 bps) Total Advances 251745 290101 15.
Slide 29: Deposit Mix
DEPOSIT MIX MAR'24 MAR'25 0.31% 4.74% ₹ in Cr 0.34% 4.70% Y-o-Y PARTICULARS MAR'24 MAR'25 Growth % Current 18248 19411 6.37 49.83% 45.12% 50.92% 44.04% Savings 173721 181762 4.63 Total CASA Deposits 191969 201173 4.79 Savings Core Time Deposit CASA % 50.02 48.91 (111 bps) Inter Bank Deposits Current
Slide 30: Credit Performance
CREDIT PERFORMANCE ₹ in Cr Y-o-Y SECTOR MAR'24 MAR’25 33.61% Growth % 28.28% Agriculture Retail 71193 82383 15.72 Corporate Agriculture 46063 52456 13.88 19.81% 18.30% MSME 49870 59243 18.79 RAM 167126 194082 16.13 Corporate 84619 96019 13.47 33.10% Gross Advance 251745 290101 15.24 28.40% Retail TO
Slide 31: Diversified Loan Book
DIVERSIFIED LOAN BOOK ₹ in Cr SECTOR Amount Housing Loan 52164 Auto Loan 3998 Personal Loan 4543 33.10% 17.98% Education Loan 5408 1.38% Other Retail Loan 16270 1.57% Total Retail 82383 1.86% Agriculture Loan 52456 5.61% MSME Credit 59243 18.08% 20.42% Corporate Credit 96019 Total Advance 290101 FY
Slide 32: Retail Segment
RETAIL SEGMENT As on 31st Mar’2025 ₹ in Cr % of Total Retail Advance 63.32% 18.40% 6.56% 26.24% Y-o-Y Growth HOME LOAN EDUCATION LOAN ₹ 52164 ₹ 5408 4.85% 19.59% 5.51% 0.64% 19.76% 8.50% AUTO LOAN PERSONAL LOAN OTHER LOAN ₹ 3998 ₹ 4543 ₹ 16270 Retail Segment ₹ 82383 28.40% of Total Advance Y-o-Y Gro
Slide 33: Rated Standard Advances
RATED STANDARD ADVANCES ₹ in Cr INVESTMENT GRADE WISE MAR'24 MAR’25 STANDARD ADVANCES MAR’24 MAR’25 Y-o-Y (FUND BASED) (%) CRE. 0.89% BB and Below. 2.97% Unrated. 1.38% CRE. BB and Unrated. (Rs 25 Crore and above) 0.87% Below. 1.68% 2.71% Government Government Guaranteed Advances. Guaranteed Advance
Slide 34: Approvals & Outstanding
APPROVALS & OUTSTANDING ₹ in Cr GROWTH GROWTH (%)(%) SANCTIONSAPPROVALS OUTSTANDING DISBURSEMENTS IN IN DISBURSEMENTS SECTOR (Amt.) APPROVALS (Amt.) (Amt.) Sector No. of A/Cs Amt. No. of A/Cs Amt. As on Y-o-Y FY 23-24 FY 23-24 FY 24-25 FY 24-25 31st Mar’25 Retail 260226 20151 334680 25438 82383 26.2
Slide 35: Co-Lending
CO-LENDING ₹ in Cr GROWTH(%) GROWTH (%) OUTSTANDING DISBURSEMENTS IN SANCTIONS APPROVALS IN DISBURSEMENTS APPROVALS (Amt.) (Amt.) SECTOR (Amt.) Sector No. of A/Cs Amt. No. of A/Cs Amt. No. of A/Cs Amt. No. of A/Cs Amt. As on Dec’24 Dec’24 Mar’25 Mar’25 Mar’24 Mar’24 Mar’25 Mar’25 Y-o-Y Q-o-Q 31st Ma
Slide 36: Achievement Under Mandated Targets
ACHIEVEMENT UNDER MANDATED TARGETS TOTAL PRIORITY ADVANCES TO MICRO SURPASSED THE ENTERPRISES SECTOR ADVANCES MANDATED @ 13.79% of ANBC @ 50.17% of ANBC NORMS IN against norm of 7.50% against norm of 40% RESPECT OF ADVANCES TO SMALL AND WEAKER SECTOR MARGINAL FARMERS @ 14.04% of ANBC @ 10.52% of ANB
Slide 37: Investments
INVESTMENTS FY 24-25 Analyst Presentation
Slide 38: Investment Portfolio
INVESTMENT PORTFOLIO ₹ in Cr Particulars MAR'24 MAR’25 Govt. Securities 112881 111908 Other Approved - - 2.18% 0.49% 0.03% 0.52% 0.90% 0.03% Shares 2143 2076 20.38% 18.86% Debentures & Bonds 30470 26974 1.43% Subsidiaries & Joint Ventures 740 740 1.45% Others 3257 1287 Total Investment In India 1494
Slide 39: Treasury Performance
TREASURY PERFORMANCE ₹ in Cr INTEREST ON INVESTMENT PROFIT ON SALE OF INVESTMENT Particulars Mar’24 Mar'25 10092 1048 9510 Aggregate Investment 149538 143032 637 Interest on Investment 9510 10092 Yield on Investment % 6.57 6.87 MAR'24 MAR'25 MAR'24 MAR'25 Profit on Sale of Investments 637 1048 Profi
Slide 40: Treasury Operations
TREASURY OPERATIONS ₹ in Cr TOTAL INVESTMENT BOOK MAR’24 MAR’25 AGGREGATE INVESTMENT 149538 143032 FVTPL PORTFOLIO HTM AFS HFT HTM AFS SAJV (HFT/ NON HFT) INVESTMENT 107024 41733 781 98765 39288 4124 855 PERCENTAGE 71.57% 27.91% 0.52% 69.05% 27.47% 2.88% 0.60% TOTAL SLR 112881 111908 CATEGORY WISE 8
Slide 41: Digital Journey
DIGITAL JOURNEY FY 24-25 Analyst Presentation
Slide 42: Digital Transactions & Customer Touch Points (1/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (1/2) Apr’23 to Mar’24 Apr’24 to Mar’25 UPI Debit Card (POS) 1.22% 5.38% 5.30% 0.85% 4.37% 5.67% 0.47% 0.81% IMPS RTGS/NEFT 0.52% 0.43% 0.41% 0.51% 3.77% 4.54% Mobile Banking AEPS-BHIM-AADHAR 81.35% 84.40% Internet Banking Others Share of Digital Txns Sha
Slide 43: Digital Transactions & Customer Touch Points (2/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (2/2) IMPS TRANSACTIONS UPI (Remitter + Beneficiary) 1619.14 36263.45 1503.66 26931.24 APR'23 - MAR'24 APR'24 - MAR'25 APR'23 - MAR'24 APR'24 - MAR'25 MOBILE BANKING INTERNET BANKING 185.35 169.70 177.66 170.52 APR'23 - MAR'24 APR'24 - MAR'25 APR'23 - MAR
Slide 44: Leveraging Technology
LEVERAGING TECHNOLOGY BANKING INVESTMENT SHOPPING INSURANCE Digital Onboarding: Through Simplified SIPs starting at just Earn points on every Instant Policy: Buy life, health, Debit Card & Branch Token 100 and paperless approvals transaction and redeem them motor, property insurance etc. for offers,
Slide 45: Digital Initiatives
DIGITAL INITIATIVES Complaint Lead Digital Lending Management Collection Management Platform (DLP) System (LMS) Management System (CMS) The Digital Lending Platform Unified platform for Complaints The Lead Management System Bank has established two currently offers convenient and received ov
Slide 46: Financial Inclusion
FINANCIAL INCLUSION S No. of Accounts (in Lakhs) Balance Outstanding (₹ in Cr) O C I P 186.88 8093.76 A 185.27 184.30 M 7371.85 L 180.36 7085.69 J 176.59 6987.08 6845.65 S D E Y MAR'24 JUN'24 SEP'24 DEC'24 MAR'25 MAR'24 JUN'24 SEP'24 DEC'24 MAR'25 C U R I PMJJBY PMSBY APY T Y 27.49 104.46 26.23 27.0
Slide 47: Central Bank of India - Group
CENTRAL BANK OF INDIA - GROUP Subsidiaries ₹ in Cr Central Bank of India FY 2024-25 Particulars Cent Bank Home Finance Ltd. (Audited) Shareholding Mar'24 Mar’25 • Engaged into Housing Finance Activity • Presence in 12 States through 36 Branches Total Income 162.30 183.56 & 4 SPOKE locations Net Prof
Slide 48: Central Bank of India - Group Position
CENTRAL BANK OF INDIA - GROUP Group Position ₹ in Cr Particulars As on 31st Mar’24 As on 31st Mar’25 CAPITAL & LIABILITIES Capital 8681 9051 Reserves and Surplus 23693 27830 Minorities Interest 76 85 Deposits 385541 413271 Borrowings 20013 21820 Other Liabilities and Provisions 9767 8400 Total 44777
Slide 49: Central Bank of India - Group Performance
CENTRAL BANK OF INDIA - GROUP Group Performance ₹ in Cr Year ended Particulars Mar’24 Mar’25 INCOME Interest and Dividend Earned 30849 33797 Other Income 4713 5871 Total 35562 39668 EXPENDITURE Interest Expended 17882 19830 Operating Expenses 10275 11663 Provisions and Contingencies 4829 4357 Total
Slide 50: Central Bank of India - Shareholding
CENTRAL BANK OF INDIA - GROUP Other Body Corp. Insurance Cos.. 0.22% Public. 3.21% 3.47% NRI. 0.06% Others. 0.77% FIIs . 1.27% Banks & FI. 1.73% As on 31st Mar’2025 Share Capital : 9051.40 Cr Shares of Central Bank of India are listed at BSE and NSE GOI. 89.27% Equity Shares of Central Bank of
Slide 51: Pan India Network of Branches
PAN INDIA NETWORK OF BRANCHES 1. Ladakh 1 19. Tripura 6 As on 31st Mar’25 2. Jammu and Kashmir 15 20. West Bengal 316 Total Branches 4545 17.75% 35.56 1 Rural 1616 % 3. Himachal Pradesh 57 21. Odisha 104 2 Semi Urban 1348 4. Chandigarh 11 22. Gujarat 309 3 Urban 774 5 4 5. Punjab 143 23. Madhya Prad
Slide 52: Guidance
GUIDANCE GUIDANCE FOR ACHIVEMENTS GUIDANCE FOR PARAMETERS FY 24-25 (Mar’2025) FY 25-26 Business Growth 10-12% 10.37 % 12-14% Deposit Growth 8-10% 7.19 % 10-12% Advances Growth 14-15% 15.24 % 14-16% CASA 50%(+/- 1%) 48.91 % 48%(+/- 1%) RAM: Corporate Credit Ratio 65:35 (+/-5%) 67:33 65:35 (+/-5%) NIM
Slide 53: Environment, Social and Governance
ENVIRONMENT, SOCIAL AND GOVERNANCE Environment Social Governance The Bank offers various renewable energy financing The Bank is undertaking Double Materiality Assessment to The Bank has institutionalized ESG Governance schemes to increase its usage for transition towards a identify and priorit
Slide 54: Awards and Recognition
AWARDS AND RECOGNITION Excellence in operational efficiency Best IT Risk & Cyber Security 7th Technology Excellent Award "SKOCH AWARD 2024" for "Cent Neo using Emerging Technologies (Joint Initiatives (Special mention) by IBEX 2025 by Quantic Digital Lending Platform" Runner Up) by IBEX India India
Slide 55: HR Initiatives
HR INITIATIVES WOMEN ESTABLISHMENT OF CHAIR WOMEN ERG EMPOWERMENT BEREAVEMENT FUND PROFESSOR AT IIM (ALL WOMEN BRANCH) MUMBAI To promote women's Created a revolving The Bank recognizes that With a view to examine Bank’s participation in leadership Bereavement Fund of Rs. 25 women employees experienc
Slide 56: Events and Initiatives (1/2)
EVENTS AND INITIATIVES (1/2) WOMEN’S DAY SPORTS MEET CELEBRATION FY 24-25 Analyst Presentation 55
Slide 57: Events and Initiatives (2/2)
EVENTS AND INITIATIVES (2/2) FY 24-25 Analyst Presentation 56
Slide 58: Product Offering
PRODUCT OFFERING FY 24-25 Analyst Presentation 57
Slide 59: 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. FY 24-25 Analyst Presentation 58
Slide 60: Thank You
THANK YOU https://youtube.com/c/CentralBankofIndiaOfficial https://www.instagram.com/centralbank_in https://in.linkedin.com/company/centralbankofindia http://twitter.com/centralbank_in https://www.facebook.com/centralbankofindia FY 24-25 Analyst Presentation
Central Bank of India — FY2024-25 Earnings Presentation on 6ix