Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q2 FY2026-27 Earnings Presentation
55 slides from Central Bank Of India's earnings presentation, Oct 17, 2026
Slide 1: Exchange filing cover letter for results presentation
केंद्रीय कायाा लय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:183 Date: 17th October, 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, Ba
Slide 2: Financial Result Analysis Quarter & Half Year ended 30th Sep'2026
YEAR OF BUSINESS EXCELLENCE 2026-27 Financial Result Analysis Quarter & Half Year ended 30th Sep’2026 Visit us at www.centralbank.bank.in Customer Service Aspirational and Role in Nation Building Employee Well-Being 1 FY 2026-27 (Q2) Analyst Presentation C Excellence A Sustainable Growth R & Viksit
Slide 3: Macro Economic Indicators (1/2)
MACRO ECONOMIC INDICATORS (1/2) IMF World Economic Outlook Growth Projections Economic Outlook & Projections 2025 2026 2027 ❑ As per latest assessment of International Monetary Fund (IMF) released World Economy 3.50 3.10 3.40 on 13th October 2026, global growth is projected to decelerate from Advanc
Slide 4: Macro Economic Indicators (2/2)
MACRO ECONOMIC INDICATORS (2/2) FOREIGN INVESTMENT TRENDS (US$ BILLION) 10.7 Economic Outlook & Projections 5.2 4.5 ❑ Foreign institutional investors’ holdings in Indian equities have grown 3.6 2.1 3.1 -0.2 times since 2012 to around $783 billion, even as their share of the market has fallen to a 17
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 Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 4 Sustaina
Slide 6: Strengths
STRENGTHS Strong Rural + Semi Urban Presence Pan India Presence with 22215 Active with65% of Customer Touch Customer Total Branches in Base Points out of which RUSU Centers 8.42 Crore 85% is in RUSU Centers Strong Brand Best CASA base Image with Legacy Dedicated @44.65% of Staff Strength Of of 114+
Slide 7: Contents
CONTENTS 07 Performance Highlights 34 Investments 11 Financial 38 Digital Journey Performance & FI 19 Asset Quality & 44 Group Capital Adequacy Performance 26 Business 47 Other Performance Information Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspira
Slide 8: Performance Highlights
PERFORMANCE HIGHLIGHTS Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 7 Sustainable Growth Including Families
Slide 9: Key Highlights
KEY HIGHLIGHTS Sep’26 (QTR) vis-a-vis Sep’25 (QTR) Y-o-Y ₹ 889541 Cr ₹ 508509 Cr ₹ 226774 Cr ₹ 381032 Cr Global Business Total Deposits CASA Global Advances 20.54% 14.41% 9.23% 29.83% ₹ 254273 Cr ₹ 11737 Cr ₹ 10357 Cr 1.03% RAM Total Income Interest Income ROA 21.11 % 14.92% 18.45% 2 bps ₹ 2268 Cr ₹
Slide 10: Profitability – Sustained Growth
PROFITABILITY – SUSTAINED GROWTH NET PROFIT ₹ in Cr 21.10% 17.25% 1469 2793 2382 1213 SEP'2 5 SE P'2 6 SE P'2 5 SE P'2 6 (QT R) (QT R) (HY) (HY) FY 2022-23 FY 2023-24 FY 2024-25 FY 2025-26 1034 1169 1263 1213 571 458 959 718 807 605 880 913 724* 235 318 418 JUN '2 2 SE P'2 2 DEC'2 2MA R'2 3 JUN'2 3
Slide 11: Sustained Headline Numbers (Stand alone basis)
SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Year Ended Quarter Ended Growth Particulars Mar'26 (FY) Sep'25 Sep'26 Y-o-Y Yield on Advances (%) 8.21 8.36 7.87 (49 bps) Yield on Investments (%) 6.74 6.77 6.82 5 bps Yield on Funds (%) 7.82 7.71 7.52 (19 bps) Cost of Deposits (%) 4.82 4.88 4
Slide 12: Financial Performance
FINANCIAL PERFORMANCE Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 11 Sustainable Growth Including Families
Slide 13: Interest Income
INTEREST INCOME ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Interest on Advances 6756 5668 7231 27.58 7.03 11600 13987 20.58 Interest on Investments 2645 2588 2718 5.02 2.76 4928 5363 8.83 Interest on balances with 253 454 364 (1
Slide 14: Non-Interest Income
NON-INTEREST INCOME ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Fee Based Income (i + ii + iii) 487 611 635 3.93 30.39 1054 1122 6.45 Commission Exchange & Brokerage (i) 93 101 105 3.96 12.90 181 198 9.39 - Commission on LC/BG/DD
Slide 15: Total Expenses
TOTAL EXPENSES ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Interest Expenses 5777 5461 6211 13.73 7.51 10666 11988 12.39 Interest Paid on Deposits 5365 5326 5752 8.00 7.21 10415 11117 6.74 Other Interest 412 135 459 240.00 11.41
Slide 16: Operating Expenses
OPERATING EXPENSES ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Employee Benefit 1420 1392 1487 6.82 4.72 2711 2907 7.23 Retrial Benefit 339 501 585 16.77 72.57 1016 924 (9.06) Rent, Taxes and Lighting 139 182 217 19.23 56.12 314
Slide 17: Provisions
PROVISIONS ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) NPAs 346 143 490 242.66 41.62 611 836 36.82 Standard Assets 81 30 379 1163.33 367.90 (137) 460 435.80 Investment Including SRs (45) (11) (336) (2954.55) (646.67) (25) (381) (
Slide 18: Statement of Income & Expenditure
STATEMENT OF INCOME & EXPENDITURE ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Total Interest Income 9691 8744 10357 18.45 6.87 17332 20048 15.67 Total Interest Expenses 5777 5461 6211 13.73 7.51 10666 11988 12.39 Net Interest Inc
Slide 19: Balance Sheet – Stand Alone
BALANCE SHEET – STAND ALONE ₹ in Cr As on As on As on Particulars 31st Mar'26 30th Sep'25 30th Sep'26 CAPITAL & LIABILITIES Capital 9051 9051 9051 Reserves and Surplus 29419 28976 32041 Deposits 467923 444451 508509 Borrowings 31481 12104 38287 Other Liabilities and Provisions 11606 8768 9425 Total
Slide 20: Asset Quality & Capital Adequacy
ASSET QUALITY & CAPITAL ADEQUACY Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 19 Sustainable Growth Including Families
Slide 21: Asset Quality Trend
ASSET QUALITY TREND 3.01 2.67 2.70 0.48 0.49 2.60 0.49 2.39 0.45 0.31 SEP'25 DEC'25 MAR'26 JUN'26 SEP'26 SEP'25 DEC'25 MAR'26 JUN'26 SEP'26 GROSS NPA % NET NPA % ₹ in Cr Particulars Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Global Gross Advances 293488 323531 344516 354348 381032 Net Advances 286024 316219
Slide 22: NPA Movement
NPA MOVEMENT ₹ in Cr Particulars Sep'25 (QTR) FY 25-26 JUN'26(QTR) Sep'26 (QTR) Sep'26 (HY) Opening Gross NPAs 8638 9225 9185 9225 9185 Add: Slippage of PA to NPAs 733 2968 939 734 1386 Increase in Balance of 64 299 47 96 114 existing NPAs Sub-Total 797 3267 986 830 1500 Less: Up-gradation 244 443 3
Slide 23: NPA Classification & Recovery in Written Off Accounts
NPA CLASSIFICATION & RECOVERY IN WRITTEN OFF ACCOUNTS NPA Classification: Sector-Wise ₹ in Cr Recovery in Written Off Accounts (Quarterly) GNPA Advances GNPA TOTAL NNPA Particulars Sep'25 Jun'26 Sep'26 (Sep'26) % NNPA % 1026 Total NPA 8827 9225 9109 381032 2.39 1146 0.31 Retail 944 1050 1040 112299
Slide 24: Other Major Ratios
OTHER MAJOR RATIOS PROVISION COVERAGE RATIO 96.88 96.69 97.16 95.97 95.86 87.42 84.55 83.80 81.86 81.41 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Including TWO Excluding TWO SLIPPAGE RATIO (Non-Annualized) CREDIT COST 0.56 1.23 0.44 0.39 0.35 0.79 0.30 0.68 0.29 0.25 0.24 0.49 0.53 0.40 0.37 0.21 DEC'24 DE
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 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Asset Quality Sep'25 No. of A/Cs Amount % of Global Advance Retail 538 490 505 481 463 SMA 0 19 427 0.15 Agriculture 99 8
Slide 26: Capital Ratios
CAPITAL RATIOS CAPITAL ADEQUACY RATIO 17.34 16.13 17.91 18.28 17.68 1.74 1.71 2.36 2.30 2.26 16.54 15.97 15.61 14.98 13.87 SEP'25 DEC'25 MAR'26 JUN'26 SEP'26 CET-I Tier-II LEVERAGE RATIO 6.33 5.92 5.85 6.02 5.63 SEP'25 DEC'25 MAR'26 JUN'26 SEP'26 Customer Service Role in Nation Building FY 2026-27 (
Slide 27: Business Performance
BUSINESS PERFORMANCE Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 26 Sustainable Growth Including Families
Slide 28: Business Across the Board
BUSINESS ACROSS THE BOARD ₹ in Cr Y-o-Y PARTICULARS SEP'25 SEP'26 Growth % Global Business 737938 889541 20.54 Total Deposits 444450 508509 14.41 (Including Interbank Deposits) Certificate of Deposit NIL 9550 - (Included in Total Deposits) CASA Deposits 207616 226774 9.23 CASA % 46.83 44.65 (218 bps
Slide 29: Deposit Mix
DEPOSIT MIX ₹ in Cr Y-o-Y PARTICULARS SEP'25 SEP'26 Growth % SEP’25 SEP’26 Current 21501 23174 7.78 0.24% 4.84% 0.12% 4.55% Savings 186115 203600 9.39 Total CASA Deposits 207616 226774 9.23 CASA % 46.83 44.65 (218 bps) 41.88% 40.04% 53.04% 55.29% Core Time Deposits 235749 281143 19.26 Savings Core T
Slide 30: Credit Performance
CREDIT PERFORMANCE ₹ in Cr SEP’25 Y-o-Y SECTOR SEP'25 SEP'26 Growth % 21.54% 28.46% Retail 90204 112299 24.49 RAM % to Agriculture Agriculture 56521 67778 19.92 Domestic Advance Corporate 71.54% MSME 63223 74196 17.36 19.26% 30.74% RAM 209948 254273 21.11 Corporate 83540 118666 42.05 Domestic Advanc
Slide 31: Diversified Loan Book
DIVERSIFIED LOAN BOOK ₹ in Cr SECTOR Amount Housing Loan 62259 Auto Loan 4665 As on 30th SEP'2026 Personal Loan 4142 31.14% 2.12% Housing Loan Personal Loan Education Loan 6954 16.34% Other Retail Loan 34279 Education Loan Agriculture Loan RAM % to 1.22% Total Retail 112299 Domestic MSME Credit Othe
Slide 32: Retail Segment
RETAIL SEGMENT As on 30th SEP'2026 % of Total Retail Advance % Y-o-Y Growth ₹ in Cr HOME LOAN EDUCATION LOAN AUTO LOAN PERSONAL LOAN OTHER LOAN ₹ 62259 ₹ 6954 ₹ 4665 ₹ 4142 ₹ 34279 55.44% 13.07% 6.19% 15.61% 4.15% 13.09% 3.69% (5.35%) 30.52% 66.19% 01 02 03 04 05 Retail Segment ₹ 112299 29.48% of Gl
Slide 33: Rated Standard Advances
RATED STANDARD ADVANCES ₹ in Cr INVESTMENT GRADE WISE STANDARD ADVANCES SEP'25 SEP'26 Y-o-Y (FUND BASED) (%) (₹ 25 Crore and above) AAA 44288 65739 48.44 SEP’25 SEP’26 AA 12934 15677 21.21 A 9408 12916 37.29 BB and Below. Unrated. CRE. 0.88% 4.59% CRE. 0.55% BB and Below. 0.79% 1.48% % of A & above
Slide 34: Achievement Under Mandated Targets
ACHIEVEMENT UNDER MANDATED TARGETS TOTAL PRIORITY SECTOR ADVANCES TO MICRO SURPASSED THE ENTERPRISES ADVANCES MANDATED @ 15.49% of ANBC against @ 55.23% of ANBC NORMS IN norm of 7.50% against norm of 40% RESPECT OF ADVANCES TO SMALL AND WEAKER SECTOR MARGINAL FARMERS @ 15.40% of ANBC against @ 10.60
Slide 35: Investments
INVESTMENTS Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 34 Sustainable Growth Including Families
Slide 36: Investment Portfolio
INVESTMENT PORTFOLIO ₹ in Cr Particulars SEP'25 SEP'26 SEP‘25 SEP’26 Govt. Securities 131243 134399 1.24% 0.35% 0.79% 0.03% 0.42% 0.03% Other Approved - - 15.99% 16.57% 1.18% Shares 1910 1600 0.97% Debentures & Bonds 26830 26427 Subsidiaries & Joint Ventures 573 702 81.08% 81.35% Others 1277 2049 Go
Slide 37: Treasury Performance
TREASURY PERFORMANCE ₹ in Cr INTEREST ON INVESTMENT PROFIT ON SALE OF INVESTMENT Sep'25 Sep’26 Particulars (QTR) (QTR) 2718 190 2588 Aggregate Investment 161880 165223 133 Interest on Investment 2588 2718 Yield on Investment % 6.77 6.82 SEP'25 SEP'26 SEP'25 SEP'26 Profit on Sale of Investments 190 1
Slide 38: Treasury Operations
TREASURY OPERATIONS ₹ in Cr TOTAL INVESTMENT BOOK SEP’25 SEP’26 AGGREGATE INVESTMENT 161880 165223 PORTFOLIO HTM AFS FVTPL SAJV HTM AFS FVTPL SAJV INVESTMENT 111865 42823 6559 633 123025 37761 3688 749 PERCENTAGE 69.10 26.45 4.05 0.40 74.46 22.86 2.23 0.45 TOTAL SLR 131243 134399 PERCENTAGE 81.07% 8
Slide 39: Digital Journey
DIGITAL JOURNEY Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 38 Sustainable Growth Including Families
Slide 40: Digital Transactions & Customer Touch Points (1/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (1/2) Oct’24 to Sep’25 Oct’25 to Sep’26 UPI Debit Card (POS) 0.76% 4.06% 3.64% 0.53% 2.57% 4.78% 0.36% 0.18% 0.25% IMPS RTGS/NEFT 0.39% 0.33% 0.36% 1.90% 3.15% Mobile Banking AEPS-BHIM-AADHAR 86.14% 90.60% Internet Banking Others Share of Digital Txns Sha
Slide 41: Digital Transactions & Customer Touch Points (2/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (2/2) IMPS TRANSACTIONS UPI (Remitter + Beneficiary) 1549.22 63146.69 1338.05 42311.47 OCT'24 - SEP'25 OCT'25 - SEP'26 OCT'24 - SEP'25 OCT'25 - SEP'26 MOBILE BANKING INTERNET BANKING 190.21 228.96 174.30 174.59 OCT'24 - SEP'25 OCT'25 - SEP'26 OCT'24 - SEP
Slide 42: Digital Initiatives (1/2)
DIGITAL INITIATIVES (1/2) Cent eeZ : New Features Launched Cent eeZ Vyapaar Saathi Corporate Net Banking platform ➢ Cent eeZ, the digital onboarding and banking platform ➢ Launched in March 2026 to provide SMEs and of the Bank has successfully onboarded 53.26 lakh Corporate Clients of the Bank a com
Slide 43: Digital Initiatives (2/2)
DIGITAL INITIATIVES (2/2) Gold Loan Journey (AGL, RGL & MSME) Cent Kudumbashree SHG Cent Kisan Vahan ➢ Online gold loan appointment and quick ➢ Digital offer generation based on the corpus ➢ Automated real time CIC assessment and Go/No-Go evaluation amount decisioning ➢ Pre-filled Loan Application,
Slide 44: Financial Inclusion
FINANCIAL INCLUSION S No. of Accounts (in Lakhs) Balance Outstanding (₹ in Cr) O C I P 197.69 9222.59 9380.59 A 197.06 8948.68 8330.09 8484.89 L M 195.55 194.34 J 192.88 S D E C Y SEP'25 DEC'25 MAR'26 JUN'26 SEP'26 SEP'25 DEC'25 MAR'26 JUN'26 SEP'26 U R I PMJJBY PMSBY APY T Y 32.68 33.48 29.49 118.4
Slide 45: Central Bank of India - Group
CENTRAL BANK OF INDIA - GROUP ₹ in Cr Subsidiaries Shareholding Particulars Sep’25 (HY) Sep’26 (HY) Total Income 90.40 96.42 Cent Bank Home Finance Ltd. Engaged into Housing Finance Activity (Unaudited) Net Profit/(Loss) 12.51 11.09 64.40% • Presence in 12 States through 38 Branches Total Assets 179
Slide 46: Central Bank of India - Group Position
CENTRAL BANK OF INDIA - GROUP Group Position ₹ in Cr Particulars As on 30th Sep'25 As on 30th Sep’26 CAPITAL & LIABILITIES Capital 9051 9051 Reserves and Surplus 29483 32587 Minorities Interest 90 95 Deposits 445053 508863 Borrowings 12399 38908 Other Liabilities and Provisions 8847 9518 Total 50492
Slide 47: Central Bank of India - Group Performance
CENTRAL BANK OF INDIA - GROUP Group Performance ₹ in Cr Half Year ended Particulars SEP'25 SEP’26 INCOME Interest and Dividend Earned 17400 20120 Other Income 3327 2369 Total 20727 22489 EXPENDITURE Interest Expended 10698 12021 Operating Expenses 5833 5993 Provisions and Contingencies 1716 1671 Tot
Slide 48: Shareholding & Ratings
SHAREHOLDING & RATINGS As on 30th Sep’2026 ▪ Share Capital : ₹ 9051.40 Cr ▪ Shares of Central Bank of India are listed at BSE As on 30th Sep’2026 and NSE ▪ Equity Shares of Central Bank of India are part of GOI Banks & FI Other Body Corp. 0.25% NSE 500, BSE 500 & BSE PSU indices Insurance Cos.. Publ
Slide 49: Network of Branches
NETWORK OF BRANCHES As on 30th Sep’2026 1. Ladakh 1 19. Tripura 6 Domestic Branches 4622 2. Jammu and Kashmir 15 20. West Bengal 319 Rural 1626 17.72% 1 3. Himachal Pradesh 57 21. Odisha 105 35.18% Semi Urban 1389 2 4. Chandigarh 11 22. Gujarat 311 Urban 788 3 Metro 819 17.05% 5 4 5. Punjab 143 23.
Slide 50: Guidance
GUIDANCE GUIDANCE FOR ACHIVEMENTS PARAMETERS FY 26-27 (QTR Sep’2026) Business Growth 14-15% 20.54% Deposit Growth 10-12% 14.41% Advances Growth 14-16% 29.83% CASA 48%(+/- 1%) 44.65% RAM: Corporate Credit Ratio 65:35 (+/-5%) 68:32 NIM Above 3% 3.01% Gross NPA Below 2.50% 2.39% Net NPA B
Slide 51: Environment, Social and Governance
ENVIRONMENT, SOCIAL AND GOVERNANCE Environment Social Governance ❑ The Bank has become a signatory of Partnership for Carbon Accounting Financials ❑ The Bank sanctioned ₹ 1.65 crores worth of ❑ The Bank issues guidelines regularly for (PCAF). PCAF is a global non-profit organization that enables Ban
Slide 52: Awards and Recognition
AWARDS AND RECOGNITION Central Bank of India’s Cyber Security Team has For the exemplary implementation of Rajbhasha, Central Bank of India has been honoured by been honoured with the Cyber Security Team of Central Bank of India has received the Rajbhasha PFRDA under the Atal Pension Yojana campaign
Slide 53: Product Offering
PRODUCT OFFERING Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presentation C Excellence A Aspirational and R & Viksit Bharat E Employee Well-Being 52 Sustainable Growth Including Families
Slide 54: 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. Customer Service Role in Nation Building FY 2026-27 (Q2) Analys
Slide 55: 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 Customer Service Role in Nation Building FY 2026-27 (Q2) Analyst Presen
Central Bank of India — Q2 FY2026-27 Earnings Presentation on 6ix