Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q1 FY2026-27 Earnings Presentation
56 slides from Central Bank Of India's earnings presentation, Jul 17, 2026
Slide 1: Exchange filing letter: presentation on Q1 financial results
केंद्रीय कायाा लय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:107 Date: 17th July, 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, Bandr
Slide 2: Financial Result Analysis, Quarter ended 30th June 2026
YEAR OF BUSINESS EXCELLENCE 2026-27 Financial Result Analysis Quarter ended 30th June 2026 Visit us at www.centralbank.bank.in Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Includ
Slide 3: Macro Economic Indicators (1/2)
MACRO ECONOMIC INDICATORS (1/2) IMF World Economic Outlook Growth July 2026 Projections 2025 2026 2027 Economic Outlook & Projections World Economy 3.50 3.00 3.40 ❑ The uncertainty regarding the geopolitical tensions still Advanced Economies 1.90 1.70 1.80 persists. Retail gasoline prices in emergin
Slide 4: Macro Economic Indicators (2/2)
MACRO ECONOMIC INDICATORS (2/2) Rainfall variation 5.69 9.96 8.74 Economic Outlook & Projections 7.75 7.9 6.47 ❑ With El Niño conditions developing during the 2026 IMD projected seasonal rainfall at 90% of long-period average (LPA). June 2026 has turned out to be the driest June in 12 years for -0.6
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 Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bh
Slide 6: Strengths
STRENGTHS Strong Rural + Semi Urban Presence Pan India Presence with 22346 Active with65% of Customer Touch Customer Total Branches in Base Points out of which RUSU Centers 8.33 Crore 85% is in RUSU Centers Strong Brand Best CASA base Image with Legacy Dedicated @46.61% of Staff Strength Of of 114+
Slide 7: Contents
CONTENTS CONTENTS Performance 11 Financial Performance Business Performance Highlights 07 Asset Quality & Capital Adequacy 19 26 47 Investments Group 34 Performance 38 Digital Journey & FI 44 Customer Service Aspirational and Other Information Role in Nation Building Employee Well-Being FY 26-27 (Q1
Slide 8: Performance Highlights
PERFORMANCE HIGHLIGHTS Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families
Slide 9: Key Highlights
KEY HIGHLIGHTS Jun’26 (QTR) vis-a-vis Jun’25 (QTR) Y-o-Y Global Business Total Deposits CASA Global Advances ₹ 833320 Cr ₹ 478972 Cr ₹ 222892 Cr ₹ 354348 Cr 18.29% 11.68% 11.16% 28.58% RAM Total Income Interest Income Net Profit ₹ 241105 Cr ₹ 10678 Cr ₹ 9691 Cr ₹ 1324 Cr 21.38 % 3.08% 12.84% 13.26%
Slide 10: Profitability – Sustained Growth
PROFITABILITY – SUSTAINED GROWTH NET PROFIT ₹ in Cr 13.26% 1324 1169 JUN'2 5 JUN'2 6 (QT R) (QT R) 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 SE P'2 3 DEC'2 3MA R'2 4 JUN '2 4 SE P'2 4 DEC
Slide 11: Sustained Headline Numbers (Standalone)
SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Year Ended Quarter Ended Growth Particulars Mar'26 (FY) Jun'25 Jun'26 Y-o-Y Yield on Advances (%) 8.21 8.58 7.89 (69 bps) Yield on Investments (%) 6.74 6.76 6.76 - Yield on Funds (%) 7.82 8.02 7.58 (44 bps) Cost of Deposits (%) 4.82 4.93 4.60 (3
Slide 12: Financial Performance
FINANCIAL PERFORMANCE Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families
Slide 13: Interest Income
INTEREST INCOME ₹ in Cr Year Ended Quarter Ended Particulars Mar'26 Mar'26 Jun'25 Jun'26 Y-o-Y (%) Q-o-Q (%) Interest on Advances 24050 6359 5932 6756 13.89 6.24 Interest on Investments 10210 2600 2340 2645 13.03 1.73 Interest on balances with RBI and 1254 269 275 253 (8.00) (5.95) Other Banks Other
Slide 14: Non-Interest Income
NON-INTEREST INCOME ₹ in Cr Year Ended Quarter Ended Particulars Mar'26 Mar'26 Jun'25 Jun'26 Y-o-Y (%) Q-o-Q (%) Fee Based Income (i + ii + iii) 2233 655 443 487 9.93 (25.65) Commission Exchange & Brokerage (i) 406 125 80 93 16.25 (25.60) - Commission on LC/BG/DDs 181 51 43 49 13.95 (3.92) - Govt. B
Slide 15: Total Expenses
TOTAL EXPENSES ₹ in Cr Year Ended Quarter Ended Particulars Mar'26 Mar'26 Jun'25 Jun'26 Y-o-Y (%) Q-o-Q (%) Interest Expenses 21855 5659 5205 5777 10.99 2.09 Interest Paid on Deposits 21001 5275 5089 5365 5.42 1.71 Other Interest 854 384 116 412 255.17 7.29 Operating Expenses 12008 3056 2850 2715 (4
Slide 16: Operating Expenses
OPERATING EXPENSES ₹ in Cr Year Ended Quarter Ended Particulars Mar'26 Mar'26 Jun'25 Jun'26 Y-o-Y (%) Q-o-Q (%) Employee Benefit 5552 1444 1319 1420 7.66 (1.66) Retrial Benefit 2029 355 515 339 (34.17) (4.51) Rent, Taxes and Lighting 686 202 133 139 4.51 (31.19) Depreciation 530 123 191 121 (36.65)
Slide 17: Provisions
PROVISIONS ₹ in Cr Year Ended Quarter Ended Particulars Mar'26 Mar'26 Jun'25 Jun'26 Y-o-Y (%) Q-o-Q (%) NPAs 1534 647 468 346 (26.07) (46.52) Standard Assets (115) (128) (167) 81 148.50 163.28 Depreciation/ Provisions on (121) (19) (14) (45) (221.43) (136.84) Investment Including SRs Income Tax 2066
Slide 18: Statement of Income & Expenditure
STATEMENT OF INCOME & EXPENDITURE ₹ in Cr Year Ended Quarter Ended Particulars Mar'26 Mar'26 Jun'25 Jun'26 Y-o-Y (%) Q-o-Q (%) Total Interest Income 36026 9661 8588 9691 12.84 0.31 Total Interest Expenses 21855 5659 5205 5777 10.99 2.09 Net Interest Income 14171 4002 3383 3914 15.70 (2.20) Net Inter
Slide 19: Balance Sheet – Standalone
BALANCE SHEET – STAND ALONE ₹ in Cr As on As on As on Particulars 31st Mar'26 30th Jun'25 30th Jun'26 CAPITAL & LIABILITIES Capital 9051 9051 9051 Reserves and Surplus 29419 28409 31377 Deposits 467923 428890 478972 Borrowings 31481 6842 28376 Other Liabilities and Provisions 11606 7994 9235 Total 5
Slide 20: Asset Quality & Capital Adequacy
ASSET QUALITY & CAPITAL ADEQUACY Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families
Slide 21: Asset Quality Trend
ASSET QUALITY TREND 3.13 3.01 2.70 2.67 0.49 0.49 0.49 2.60 0.48 0.45 JUN'25 SEP'25 DEC'25 MAR'26 JUN'26 JUN'25 SEP'25 DEC'25 MAR'26 JUN'26 GROSS NPA % NET NPA % ₹ in Cr Particulars Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Global Gross Advances 275595 293488 323531 344516 354348 Net Advances 268266 286024
Slide 22: NPA Movement
NPA MOVEMENT ₹ in Cr Particulars JUN’25(QTR) SEP'25 (QTR) DEC'25 (QTR) MAR’26 (QTR) FY 25-26 JUN’26(QTR) Opening Gross NPAs 9225 8638 8827 8726 9225 9185 Add: Slippage of PA to NPAs 839 733 658 1301 2968 939 Increase in Balance of 151 64 52 84 299 47 existing NPAs Sub-Total 990 797 710 1385 3267 986
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 TOTAL Particulars GNPA % NNPA % Jun'25 Mar'26 Jun'26 (Jun'26) NNPA 1026 Total NPA 8638 9185 9225 354348 2.60 1715 0.49 613 Retail 920 986 1050 1055
Slide 24: Other Major Ratios
OTHER MAJOR RATIOS PROVISION COVERAGE RATIO 97.02 96.88 96.69 95.97 95.86 84.86 84.55 83.80 81.86 81.41 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Including TWO Excluding TWO SLIPPAGE RATIO (Non-Annualized) 0.56 CREDIT COST 1.23 0.44 0.39 0.38 0.35 0.79 0.30 0.68 0.29 0.25 0.55 0.49 0.37 0.40 0.21 SEP'24 SE
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 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Asset Quality Jun'25 No. of A/Cs Amount % of Global Advance Retail 550 538 490 505 481 SMA 0 20 537 0.19 Agriculture 100
Slide 26: Capital Ratios
CAPITAL RATIOS CAPITAL ADEQUACY RATIO 17.66 17.34 16.13 17.91 18.28 1.74 2.18 2.30 2.36 2.26 16.54 15.61 15.48 14.98 13.87 JUN'25 SEP'25 DEC'25 MAR'26 JUN'26 CET-I Tier-II LEVERAGE RATIO 6.21 6.33 5.92 5.85 5.63 JUN'25 SEP'25 DEC'25 MAR'26 JUN'26 Customer Service Aspirational and Role in Nation Buil
Slide 27: Business Performance
BUSINESS PERFORMANCE Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families
Slide 28: Business Across the Board
BUSINESS ACROSS THE BOARD ₹ in Cr Y-o-Y PARTICULARS JUN'25 JUN'26 Growth % Global Business 704485 833320 18.29 Total Deposits 428890 478972 11.68 (Including Interbank Deposits) Certificate of Deposit - 9535 - (Included in Total Deposits) CASA Deposits 200522 222892 11.16 add CASA % 46.88 46.61 (27 b
Slide 29: Deposit Mix
DEPOSIT MIX ₹ in Cr Y-o-Y JUN’25 JUN’26 PARTICULARS JUN'25 JUN'26 Growth % 0.26% 4.64% 0.16% 4.43% Current 19889 21201 6.60 Savings 180633 201691 11.66 42.12% 42.11% 52.98% 53.30% Total CASA Deposits 200522 222892 11.16 Savings Core Time Deposit Inter Bank Deposits Current CASA % 46.88 46.61 (27 bps
Slide 30: Credit Performance
CREDIT PERFORMANCE ₹ in Cr JUN’25 Y-o-Y SECTOR JUN'25 JUN'26 Growth 27.93% % 21.92% Agriculture Retail 85156 105523 23.92 RAM 72.07% Corporate Agriculture 53057 64274 21.14 19.25% 30.90% MSME 60416 71308 18.03 RAM 198629 241105 21.38 JUN’26 Corporate 76966 112770 46.52 31.83% 20.12% Domestic Advance
Slide 31: Diversified Loan Book
DIVERSIFIED LOAN BOOK ₹ in Cr SECTOR Amount As on 30th Jun’2026 Housing Loan 59946 Auto Loan 4638 31.03% 0.13% 17.08% Personal Loan 4226 1.32% Education Loan 6655 RAM 1.20% Other Retail Loan 30058 68.13% 1.90% Total Retail 105523 20.32% 7.61% 18.31% Agriculture Loan 64274 MSME Credit 71308 Housing L
Slide 32: Retail Segment
RETAIL SEGMENT As on 30th Jun’2026 % of Total Retail Advance % Y-o-Y Growth ₹ in Cr HOME LOAN EDUCATION LOAN AUTO LOAN PERSONAL LOAN OTHER LOAN ₹ 59946 ₹ 6655 ₹ 4638 ₹ 4226 ₹ 30058 56.81% 12.47% 6.31% 16.69% 4.40% 16.30% 4.00% (4.93%) 28.48% 69.62% 01 02 03 04 05 Retail Segment ₹ 105523 29.78% of Gl
Slide 33: Rated Standard Advances
RATED STANDARD ADVANCES ₹ in Cr INVESTMENT GRADE WISE STANDARD ADVANCES JUN’25 JUN’26 Y-o-Y (FUND BASED) (₹ 25 Crore and above) (%) JUN’25 JUN’26 AAA 35707 59837 67.58 BB and Below. Unrated. CRE. 1.02% 3.66% CRE. 0.58% BB and Below. 0.98% AA 14483 14087 (2.73) 1.85% Unrated. Government Government 4.
Slide 34: Achievement Under Mandated Targets
ACHIEVEMENT UNDER MANDATED TARGETS TOTAL PRIORITY SECTOR ADVANCES TO MICRO SURPASSED THE ENTERPRISES ADVANCES MANDATED @ 15.73% of ANBC against @ 58.00% of ANBC NORMS IN norm of 7.50% against norm of 40% RESPECT OF ADVANCES TO SMALL AND WEAKER SECTOR MARGINAL FARMERS @ 17.35% of ANBC against @ 11.16
Slide 35: Investments
INVESTMENTS Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families
Slide 36: Investment Portfolio
INVESTMENT PORTFOLIO ₹ in Cr JUN‘25 Particulars JUN’25 JUN’26 0.87% 0.36% 0.03% 18.18% Govt. Securities 117166 125975 Govt. Securities 1.37% Other Approved - - Other Approved Shares 2026 1915 Shares Debentures & Bonds 26904 26232 79.19% Others JUN’26 Subsidiaries & Joint Ventures 535 627 Subsidiarie
Slide 37: Treasury Performance
TREASURY PERFORMANCE ₹ in Cr INTEREST ON INVESTMENT PROFIT ON SALE OF INVESTMENT Particulars JUN'25 JUN’26 2645 2340 577 Aggregate Investment 147961 156045 Interest on Investment 2340 2645 102 Yield on Investment % 6.76 6.76 JUN'25 JUN'26 JUN'25 JUN'26 Profit on Sale of Investments 577 102 Profit on
Slide 38: Treasury Operations
TREASURY OPERATIONS ₹ in Cr TOTAL INVESTMENT BOOK JUN’25 JUN’26 AGGREGATE INVESTMENT 147961 156045 PORTFOLIO HTM AFS FVTPL SAJV HTM AFS FVTPL SAJV INVESTMENT 101823 41123 4364 651 114711 36727 3932 675 PERCENTAGE 68.82% 27.79% 2.95% 0.44% 73.51% 23.54% 2.51% 0.44% TOTAL SLR 117166 125975 PERCENTAGE
Slide 39: Digital Journey
DIGITAL JOURNEY Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families
Slide 40: Digital Transactions & Customer Touch Points (1/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (1/2) July’24 to June’25 July’25 to June’26 UPI Debit Card (POS) 0.80% 4.23% 3.86% 0.59% 3.04% 5.06% 0.42% 0.21% 0.28% IMPS RTGS/NEFT 0.41% 0.33% 0.39% 2.17% 3.46% Mobile Banking AEPS-BHIM-AADHAR 85.23% 89.52% Internet Banking Others Share of Digital Txns
Slide 41: Digital Transactions & Customer Touch Points (2/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (2/2) IMPS TRANSACTIONS UPI (Remitter + Beneficiary) 1576.75 57792.92 1401.42 38844.17 JUL'24 - JUN'25 JUL'25 - JUN'26 JUL'24 - JUN'25 JUL'25 - JUN'26 MOBILE BANKING INTERNET BANKING 188.33 183.27 210.74 176.09 JUL'24 - JUN'25 JUL'25 - JUN'26 JUL'24 - JUN
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 of the ➢ Cent eeZ Vyapaar Saathi was launched in March 2026 to Bank has successfully onboarded 44.50 lakh customers. provide SMEs
Slide 43: Digital Initiatives (2/2)
DIGITAL INITIATIVES (2/2) Cent Diary ECLGS 5.0 MSME Composite ➢ Automated real-time CIC assessment and Go/No- ➢ Seamless real-time application fetching from the ➢ Multiple credit facilities (e.g., Term Loan and Cash Go decisioning Jan Samarth Portal Credit) can be sanctioned through a single ➢ Geo-t
Slide 44: Financial Inclusion
FINANCIAL INCLUSION S No. of Accounts (in Lakhs) Balance Outstanding (₹ in Cr) O C I P 197.06 195.55 9222.59 8948.68 A 194.34 8330.09 8484.89 L M 192.88 7869.13 J 189.67 S D E C Y JUN'25 SEP'25 DEC'25 MAR'26 JUN'26 JUN'25 SEP'25 DEC'25 MAR'26 JUN'26 U R I PMJJBY PMSBY APY T Y 32.26 116.87 32.68 113.
Slide 45: Central Bank of India - Group
CENTRAL BANK OF INDIA - GROUP ₹ in Cr Subsidiaries Shareholding Particulars Jun’25 (Qtr) Jun’26 (Qtr) Cent Bank Home Finance Ltd. (Unaudited) Total Income 45.49 46.83 • Engaged into Housing Finance Activity Net Profit/(Loss) 6.14 4.14 • Presence in 12 States through 38 Branches & 3 SPOKE Locations 6
Slide 46: Central Bank of India - Group Position
CENTRAL BANK OF INDIA - GROUP Group Position ₹ in Cr Particulars As on 30th Jun'25 As on 30th Jun’26 CAPITAL & LIABILITIES Capital 9051 9051 Reserves and Surplus 28897 31907 Minorities Interest 87 93 Deposits 429428 479410 Borrowings 7111 28819 Other Liabilities and Provisions 8068 9323 Total 482642
Slide 47: Central Bank of India - Group Performance
CENTRAL BANK OF INDIA - GROUP Group Performance ₹ in Cr Quarter ended Particulars JUN'25 JUN’26 INCOME Interest and Dividend Earned 8623 9726 Other Income 1872 988 Total 10495 10714 EXPENDITURE Interest Expended 5222 5794 Operating Expenses 2873 2724 Provisions and Contingencies 1140 867 Total 9235
Slide 48: Shareholding & Ratings
SHAREHOLDING & RATINGS As on 30th June’2026 As on 30th June’2026 ▪ Share Capital : ₹ 9051.40 Cr Other Body Corp. 0.52% GOI Banks & FI Insurance Cos.. Public. 6.16% 6.62% ▪ Shares of Central Bank of India are listed at BSE FIIs Public and NSE FIIs . 0.98% NRI. 0.16% Other Body NRIs Crop ▪ Equity Shar
Slide 49: Network of Branches
NETWORK OF BRANCHES As on 30th June’2026 1. Ladakh 1 19. Tripura 6 Domestic Branches 4605 2. Jammu and Kashmir 15 20. West Bengal 319 Rural 1623 17.79% 1 3. Himachal Pradesh 57 21. Odisha 105 35.24% Semi Urban 1378 2 4. Chandigarh 11 22. Gujarat 311 Urban 785 3 Metro 819 17.05% 5 4 5. Punjab 143 23.
Slide 50: Guidance
GUIDANCE GUIDANCE FOR ACHIVEMENTS PARAMETERS FY 26-27 (QTR June’2026) Business Growth 14-15% 18.29% Deposit Growth 10-12% 11.68% Advances Growth 14-16% 28.58% CASA 48%(+/- 1%) 46.61% RAM: Corporate Credit Ratio 65:35 (+/-5%) 68:32 NIM Above 3% 3.06% Gross NPA Below 2.50% 2.60% Net NPA
Slide 51: Environment, Social and Governance
ENVIRONMENT, SOCIAL AND GOVERNANCE Environment Social Governance ❑ The Bank is committed to reduce the usage of fossil fuels. 39% of diesel ❑ Bank has always remained committed to ❑ The Bank has introduced New Branch generator sets have been replaced with inverter in the Bank to reduce carbon foster
Slide 52: IFSC Banking Unit (GIFT City)
IFSC BANKING UNIT (GIFT CITY) RBI Approval SEZ Approval Operation Started Aug 2025 Nov 2025 June 2026 SWIFT Application IFSCA License Nov 2025 Apr 2026 Advances IBU Capital Treasury Book Profit Sanctioned USD 20 Mn USD 50 Mn USD 0.49 Mn Provided by the bank Treasury Borrowing USD 50 Mn As on 30th Ju
Slide 53: Awards and Recognition
AWARDS AND RECOGNITION Recognized as the “Most Preferred Workplace 2026-27” by Marksmen Daily Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families 52
Slide 54: Product Offering
PRODUCT OFFERING Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C Excellence A Sustainable Growth R & Viksit Bharat E Including Families 53
Slide 55: 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 Aspirational and Role in Nation Building Emplo
Slide 56: 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 Aspirational and Role in Nation Building Employee Well
Central Bank of India — Q1 FY2026-27 Earnings Presentation on 6ix