Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Non-Deal Roadshow (February 2025)
28 slides from Central Bank Of India's roadshow presentation, Feb 17, 2025
Slide 1: Exchange filing letter: schedule of non-deal road shows
केंद्रीय कायाालय INVESTORS RELATION DIVISION Central Office CO:IRD:2024-25:294 Date: 17.02.2025 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Corporate Relationship Department, Plot No.C/1, ‘G’ Block , Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Dalal Street, Fort, Bandra
Slide 2: Investor Presentation February 2025
Investor Presentation February 2025 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 Visit us at www.centralbankofindia.co.in Inve
Slide 3: Contents
CONTENTS Central Bank of India- An Overview 03-05 01 Technology Key Financial Highlights 06-10 02 06 15-19 Digital & Phygital Initiatives Asset Quality 11-12 03 07 20 Growth Strategies Capital Ratios 13 04 08 21 Experienced Board Members -18 Treasury Operations 14 05 09 22 ESG Initiatives Investor P
Slide 4: Central Bank of India – An Overview
CENTRAL BANK OF INDIA – AN OVERVIEW …cont Central Bank of India as of Quarter Brief Snapshot Credit Rating ended 31 st December’24 Founded in 1911 as the first Swadeshi Bank founded by our founder Sir Sorabji Pochkhanawala. Central Bank of India has a legacy of more Long CASA % Tier1 Tier2 Certifi
Slide 5: Overview – Robust Banking Franchise
OVERVIEW – ROBUST BANKING FRANCHISE …cont Loan Book Growth: Profit Consistency: The bank reported a year-over-year increase of In the 3rd quarter of FY25, bank's profits 01 02 saw a consistent rise, due to improvement in 15.60% in its advances for F.Y. 2023-24 over previous year. CD ratio to 68.25%.
Slide 6: Overview
OVERVIEW One of the best CASA base Provided Low Cost of Deposits One of the Highest NIMs in the Industry CASA% Cost of Deposit% NIM% 50.58 50.39 50.02 49.18 4.61 4.81 3.47 3.40 3.48 3.86 3.92 3.21 3.21 3.47 3.40 3.48 3.86 3.92 4.61 4.81 50.58 50.39 50.02 49.18 FY'22 FY'23 FY'24 Q3 FY'25 FY'22 FY'23
Slide 7: Key Financial Highlights - Business Performance
KEY FINANCIAL HIGHLIGHTS - BUSINESS PERFORMANCE …cont Touch Points Network during recent years… …Set to drive future business expansion One of the highest CASA % among Banks ( ₹ in crore ) ( ₹ in crore ) 49.18% 65% of Total Branches in RUSU Centers 50.42% 50.39% 20266 20540 17803 18204 50.58% - 25 -
Slide 8: Key Financial Highlights - Business Performance
KEY FINANCIAL HIGHLIGHTS - BUSINESS PERFORMANCE …cont Net Interest Income & NIM Operating Profit Net Profit ( ₹ in crore ) 8,000 ( ₹ in crore ) 30.00 ( ₹ in crore ) 25.40 3,000 250.00 3.47 3.40 3.49 7,000 217.68 15,000 3.5 25.00 6,000 2,500 3.21 3.3 19.89 200.00 20.00 10,000 5,000 15.51* 2,000 3.1 1
Slide 9: Key Financial Highlights - Diversified Credit Portfolio
KEY FINANCIAL HIGHLIGHTS - DIVERSIFIED CREDIT PORTFOLIO …cont Domestic Gross Advances – Growth driven by Corporate & Retail Advances Mix as of Mar 2022 ( ₹ in crore ) 2,70,779 300000 2,51,745 Corporate & 2,17,779 Retail, 250000 1,89,712 Others, 81,476 34% 28% 200000 84,619 73,044 150000 64,712 58,10
Slide 10: Key Financial Highlights – Stable Rating Profile
KEY FINANCIAL HIGHLIGHTS – STABLE RATING PROFILE …cont Ratings Profile as of Mar’22 INVESTMENT GRADE WISE STANDARD ADVANCES (FUND BASED) (₹25 Crore and above) Unrated. 7.81% BB and Below. 8.54% ( ₹ in crore ) AAA. 27.89% CRE. 1.12% Government Guaranteed Particulars MAR’22 MAR’23 MAR’24 Y-o-Y DEC'24
Slide 11: Key Financial Highlights – Diversified & Growing Resource Profile
KEY FINANCIAL HIGHLIGHTS – DIVERSIFIED & GROWING RESOURCE PROFILE Below 3 Crore ( ₹ in crore ) Healthy Growth in Deposits (₹ In Cr.) Above 3 Crore 30,118 211 1,122 36,652 2,177 1,95,107 1,83,254 44,757 18,362 14,852 71,727 1,84,542 Rural Semi Urban Urban Metro Total Time Deposits Dec 31, 2023 Dec 31
Slide 12: Asset Quality Trend
ASSET QUALITY TREND …cont 14.84 3.97 8.44 4.50 1.77 1.27 4.50 3.86 1.23 0.59 MAR'22 MAR'23 DEC'23 MAR'24 DEC'24 MAR'22 MAR'23 DEC'23 MAR'24 DEC'24 GROSS NPA % NET NPA % ( ₹ in crore ) Particulars Mar'22 Mar'23 Dec'23 Mar'24 Dec'24 Gross Advances 189712 217779 239646 251745 270779 Net Advances 168173
Slide 13: Asset Quality Lowering Credit Costs Supported by Lower Delinquencies
ASSET QUALITY LOWERING CREDIT COSTS SUPPORTED BY LOWER DELINQUENCIES High PCR (%)* falling NPA ratios 85.13 Net NPA % 14.84 Gross NPA % 76.29 80.47 73.53 8.44 3.97 4.50 3.86 1.77 1.23 86.69 92.48 93.58 96.54 0.59 FY22 FY23 FY24 9M FY25 FY22 FY23 FY24 9M FY25 Provision Coverage Ratio [%) PCR % PCR %
Slide 14: Capital Ratios
CAPITAL RATIOS CAPITAL ADEQUACY RATIO* 13.84 14.12 14.74 15.08 16.43 2.22 2.57 2.62 2.01 2.36 14.21 12.46 12.17 12.11 11.48 MAR'22 MAR'23 DEC'23 MAR'24 DEC'24 CET-I Tier-II LEVERAGE RATIO* 5.86 5.13 4.91 4.73 4.25 MAR'22 MAR'23 DEC'23 MAR'24 DEC'24 *CRAR (BASEL recapitalization III) and Leverage Rat
Slide 15: Treasury Operations - A Balanced Approach
TREASURY OPERATIONS - A BALANCED APPROACH ( ₹ in crore ) Particulars Mar’22 Mar’23 Mar’24 Dec'24 (9M) Interest on Investments 9,264 8,715 9,510 7,600 Yield on Investments 6.27 % 6.26 % 6.57 % 6.87 % Aggregate Investments 1,46,759 1,42,653 1,49,538 1,53,070 (SLR/Non SLR) (72%/28%) (72%/28%) (75%/25%)
Slide 16: Technology & Digital Initiatives
TECHNOLOGY & DIGITAL INITIATIVES ADVANCED COLLECTION MANAGEMENT INTEGRATED CUSTOMER CARE CENT eeZ Bank has embarked on the Digital Transformation Integrated Customer Care (ICC) was started by Cent eeZ, the Omni-Channel app by Central Bank of Journey on 24th August 2022 and as a part of this Bank
Slide 17: Digital Lending Platform (DLP)
DIGITAL LENDING PLATFORM (DLP) DIGITAL LOAN KEY BENEFIT The Digital Lending Platform currently offers convenient Pre Filled Loan application online loan application in Digital Mode and Assisted generated by the system. System Generated Key Fact Mode for Retail and Agri Gold Loan, PAPL, KCC, KCC Sta
Slide 18: Cent e-Trade
CENT e-TRADE Cent e-Trade is a Centralised Trade Finance solution being offered by the Bank, including Customer Web Portal and Supply Chain Finance. CENTRALISED CELL FEATURES Inward Remittances All branches can initiate foreign exchange transactions. Outward Remittances Enhanced Compliance and Monit
Slide 19: Phygital Initiatives
PHYGITAL INITIATIVES Hybrid Branch Model, i.e. BC + Bank Officer Paperless/Digital Transactions Bank officer with tablet. The first BC MAXX Center was launched on 9th August 2024 at Cholapur, Varanasi by the MD & CEO. The BC MAXX Centers are designed to provide cost-effective financial ser
Slide 20: Pan India Network of Branches
PAN INDIA NETWORK OF BRANCHES As on 31st Dec'24 1. Ladakh 1 Total Branches 4541 1 2. 3. Jammu and Kashmir Himachal Pradesh 16 57 Rural 1615 2 4. Chandigarh 11 Semi Urban 1347 3 5. Punjab 143 6. Uttarakhand 41 Urban 774 5 4 6 7. Haryana 139 Metro 805 7 8 15 8. National Capital Territory of Delhi 97 1
Slide 21: Growth Strategies
GROWTH STRATEGIES Consistent Growth in Deposits, Advances and Profitability CREDIT GROWTH DEPOSITS NEW BUSINESS LINES- CO LENDING NEW BUSINESS LINES- TReDS To maintain proper mix of loan book under To maintain One of the best CASA base in the Bank was the Pioneer in starting Co-Lending RAM : C
Slide 22: Our Experienced Board Members
OUR EXPERIENCED BOARD MEMBERS He has a rich and varied experience in Banking Sector. Prior to joining Central Bank of India, he was the Executive Director of Canara Bank and General Manager of Indian Bank (erstwhile He has a rich Experience in Banking Industry. He is a MBA (Finance) and a US CPA.. H
Slide 23: Environment, Social and Governance
ENVIRONMENT, SOCIAL AND GOVERNANCE Environment Social Governance The Bank is undertaking proactive measures to As a novel initiative to strengthen the The Bank has been accorded by ‚Best Risk increase the usage of renewable energy. connection between employee’s family life and and Cyber Securi
Slide 24: Awards
AWARDS Investor Presentation 23
Slide 25: Disclaimer
DISCLAIMER This presentation has been prepared by Central Bank of India (the “Bank”) solely for information purposes. This presentation has been prepared by the Bank based on information and data which the Bank considers reliable, but the Bank makes no representation or warranty, express or implied,
Slide 26: Glossary
GLOSSARY ▪ Fixed Deposit: A deposit of funds in a bank under an agreement stipulating that the funds ▪ ATM : Automated Teller Machine must be kept on deposit for a stated period of time at a predefined interest rate ▪ APY: Atal Pension Yojana ▪ Fixed Rate: A fixed amount of interest, which is charge
Slide 27: Glossary
GLOSSARY ▪ Principal Outstanding: The balance principal amount in the loan (i.e. Loan amount disbursed ▪ Modified Duration: Modified Duration = Macaulay Duration / (1+y/m), where 'y' is less Principal repaid till date) taken from the Bank. ▪ PSU: Public Sector Undertaking the yield (%), 'm' is the n
Slide 28: Thank You
THANK YOU Investor Presentation
Central Bank of India — Non-Deal Roadshow (February 2025) on 6ix