Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q2 FY2025-26 Earnings Presentation
59 slides from Central Bank Of India's earnings presentation, Oct 17, 2025
Slide 1: Exchange filing cover letter for results presentation
केंद्रीय कायाा लय INVESTORS RELATION DIVISION Central Office CO:IRD:2025:26:174 Date: 17th October, 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, Ba
Slide 2: Financial Result Analysis Quarter & Half Year Ended 30th Sep 2025
YEAR OF BUSINESS ACCELERATION 2025-26 Financial Result Analysis Quarter & Half Year Ended 30thSep’2025 Visit us at www.centralbank.bank.in FY 25-26 (Q2) Analyst Presentation
Slide 3: Macro Economic Indicators (1/2)
MACRO ECONOMIC INDICATORS (1/2) Real GVA Real GDP 9.3 9.5 8.4 Economic Outlook & Projections 7.4 7.8 9.2 6.5 6.4 8.0 5.6 7.3 7.6 The Global Economy is projected to grow at a slower 6.6 6.5 6.8 5.8 rate in 2025 compared to 2024 owing to trade policy uncertainty, geopolitical risks and financial mar
Slide 4: Macro Economic Indicators (2/2)
MACRO ECONOMIC INDICATORS (2/2) Y-o-Y Growth (%) Household Financial Assets & Liabilities- Stock Asset/ Liability 2021-22 2022-23 2023-24 2024-25 Financial assets 11.22 9.45 15.01 10.12 Economic Outlook & Projections Bank deposits 7.19 8.79 11.20 8.39 The financial profile of Indian households is
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 25-26 (Q2) Analyst Presentation 4
Slide 6: Strengths
STRENGTHS Strong Rural + Semi Urban Pan India Presence with Presence with Active 65% of Total 21492 Customer Base Customer Touch Branches in RUSU 8.12 Crore Points Centers Strong Brand Best CASA base Image with Dedicated Legacy of @46.83% of Staff Strength Total Deposits Of 34,312 113+ Years FY 25-2
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 25-26 (Q2) Analyst Presentation 6
Slide 8: Performance Highlights
PERFORMANCE HIGHLIGHTS FY 25-26 (Q2) Analyst Presentation
Slide 9: Key Highlights
KEY HIGHLIGHTS Sep’25 (QTR) vis-a-vis Sep’24 (QTR) Y-o-Y 14.43% ₹ 737938 Cr 13.40% ₹ 444450 Cr 8.55% ₹ 207616 Cr 16.03% ₹ 293488 Cr Total Business Total Deposits CASA Gross Advances 15.23 % ₹ 209948 Cr 4.07% ₹ 10250 Cr 6.61% ₹ 8744 Cr 32.86% ₹ 1213 Cr RAM Total Income Interest Income Net Profit 158
Slide 10: Profitability – Sustained Growth
PROFITABILITY – SUSTAINED GROWTH NET PROFIT ₹ in Cr 32.86% 32.85% 1213 2382 913 1793 SEP'24 SEP'25 SEP'24 SEP'25 (QTR) (QTR) (HY) (HY) FY 2021-22 F.Y. 2021- FY 2022-23 FY 2023-24 FY 2024-25 1034 22 571 279 279 310 310 959 458 718 807 206 206 250 250 605 880 913 235 318 418 JJUUNN' 2' 211SSEEPP' 2' 2
Slide 11: Sustained Headline Numbers (Standalone)
SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Year Ended Quarter Ended Growth Particulars Mar'25 (FY) Sep'24 Sep'25 Y-o-Y Yield on Advances (%) 8.78 8.77 8.36 (41 bps) Yield on Investments (%) 6.87 6.93 6.77 (16 bps) Yield on Funds (%) 8.24 8.21 7.71 (50 bps) Cost of Deposits (%) 4.76 4.6
Slide 12: Financial Performance
FINANCIAL PERFORMANCE FY 25-26 (Q2) Analyst Presentation
Slide 13: Interest Income
INTEREST INCOME ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'25 Sep’24 Sep’25 Y-o-Y (%) Q-o-Q (%) Sep'24 Sep'25 Y-o-Y (%) Interest on Advances 5932 5402 5668 4.92 (4.45) 10804 11600 7.37 Interest on Investments 2340 2547 2588 1.61 10.60 5010 4928 (1.64) Interest on balances with RBI and Oth
Slide 14: Non-Interest Income
NON-INTEREST INCOME ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'25 Sep’24 Sep’25 Y-o-Y (%) Q-o-Q (%) Sep'24 Sep'25 Y-o-Y (%) Fee Based Income (i + ii + iii) 443 635 611 (3.78) 37.92 1060 1054 (0.57) Commission Exchange & Brokerage (i) 80 119 101 (15.13) 26.25 196 181 (7.65) - Commission on
Slide 15: Total Expenses
TOTAL EXPENSES ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'25 Sep’24 Sep’25 Y-o-Y (%) Q-o-Q (%) Sep'24 Sep'25 Y-o-Y (%) Interest Expenses 5205 4792 5461 13.96 4.92 9579 10666 11.35 Interest Paid on 5089 4530 5326 17.57 4.66 8973 10415 16.07 Deposits Other Interest 116 262 135 (48.47) 16.38
Slide 16: Operating Expenses
OPERATING EXPENSES ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'25 Sep’24 Sep’25 Y-o-Y (%) Q-o-Q (%) Sep'24 Sep'25 Y-o-Y (%) Employee Benefit 1319 1327 1392 4.90 5.53 2489 2711 8.92 Retrial Benefit 515 500 501 0.20 (2.72) 1052 1016 (3.42) Rent, Taxes and Lighting 133 141 182 29.08 36.84 308
Slide 17: Provisions
PROVISIONS ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'25 Sep’24 Sep’25 Y-o-Y (%) Q-o-Q (%) Sep'24 Sep'25 Y-o-Y (%) NPAs 468 340 143 (57.94) (69.44) 1662 611 (63.24) Standard Assets (167) 70 30 57.14 117.96 (4) (137) (3325.00) Depreciation/ Provisions on Investment Including (14) (62) (11)
Slide 18: Statement of Income & Expenditure
STATEMENT OF INCOME & EXPENDITURE ₹ in Cr Quarter Ended Half Year Ended Particulars Jun'25 Sep’24 Sep’25 Y-o-Y (%) Q-o-Q (%) Sep'24 Sep'25 Y-o-Y (%) Total Interest Income 8588 8202 8744 6.61 1.82 16537 17332 4.81 Total Interest Expenses 5205 4792 5461 13.96 4.92 9579 10666 11.35 Net Interest Income
Slide 19: Balance Sheet – Standalone
BALANCE SHEET – STAND ALONE ₹ in Cr As on As on As on Particulars 31st Mar’25 30th Sep’24 30th Sep’25 CAPITAL & LIABILITIES Capital 9051 8681 9051 Reserves and Surplus 27455 24518 28976 Deposits 412697 391914 444451 Borrowings 21592 13163 12104 Other Liabilities and Provisions 8333 8326 8768 Total 4
Slide 20: Asset Quality & Capital Adequacy
ASSET QUALITY & CAPITAL ADEQUACY FY 25-26 (Q2) Analyst Presentation
Slide 21: Asset Quality Trend
ASSET QUALITY TREND 4.59 3.86 0.69 3.18 0.55 0.59 3.13 3.01 0.48 0.49 SEP'24 DEC'24 MAR'25 JUN'25 SEP'25 SEP'24 DEC'24 MAR'25 JUN'25 SEP'25 GROSS NPA % NET NPA % ₹ in Cr Particulars Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Gross Advances 252944 270779 290101 275595 293488 Net Advances 243013 261874 282420
Slide 22: NPA Movement
NPA MOVEMENT ₹ in Cr Particulars Sep'24 (QTR) FY 24-25 JUN’25(QTR) Sep'25 (QTR) Sep'25 (HY) Opening Gross NPAs 11388 11340 9225 8638 9225 Add: Slippage of PA to NPAs 766 2975 839 733 1384 Increase in Balance of 147 520 151 64 183 existing NPAs Sub-Total 913 3495 990 797 1567 Less: Up-gradation 265 6
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 (Q-o-Q) GNPA 613.00 Advances TOTAL Particulars GNPA % NNPA % 560.00 549.00 Sep'24 Jun’25 Sep’25 (Sep'25) NNPA Total NPA 11604 8638 8827 293488 3.01 1364 0.48 396.00 Retail 9
Slide 24: Other Major Ratios
OTHER MAJOR RATIOS PROVISION COVERAGE RATIO 96.31 96.54 96.54 97.02 96.88 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 SLIPPAGE RATIO (Non-Annualized) CREDIT COST 0.57 0.56 2.14 0.39 0.38 0.35 0.34 0.34 1.23 1.23 0.30 0.86 0.68 0.55 0.49 0.21 DEC'23 DEC'24 MAR'24 MAR'25 JUN'24 JUN'25 SEP'24 SEP'25 DEC'23 DEC'
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'24 Dec'24 Mar'25 Jun'25 Sep'25 Asset Quality Sep’24 No. of A/Cs Amount % of Total Advance Retail 585 578 565 550 538 SMA 0 45 538 0.21 Agriculture 149 1
Slide 26: Capital Ratios
CAPITAL RATIOS CAPITAL ADEQUACY RATIO 16.27 16.43 17.02 17.66 17.34 2.36 2.18 2.26 2.22 2.29 15.48 14.98 14.73 14.21 14.01 SEP'24 DEC'24 MAR'25 JUN'25 SEP'25 CET-I Tier-II LEVERAGE RATIO 6.15 6.21 5.88 5.86 5.92 SEP'24 DEC'24 MAR'25 JUN'25 SEP'25 FY 25-26 (Q2) Analyst Presentation 25
Slide 27: Business Performance
BUSINESS PERFORMANCE FY 25-26 (Q2) Analyst Presentation
Slide 28: Business Across the Board
BUSINESS ACROSS THE BOARD ₹ in Cr Y-o-Y PARTICULARS SEP'24 SEP'25 Growth % Total Business 644858 737938 14.43 Total Deposits 391914 444450 13.40 (Including Interbank Deposits) Certificate of Deposit NIL NIL - CASA Deposits 191270 207616 8.55 Z CASA % 48.93 46.83 (210 bps) Total Advances 252944 29348
Slide 29: Deposit Mix
DEPOSIT MIX ₹ in Cr Y-o-Y PARTICULARS SEP'24 SEP'25 Growth % Current 17394 21501 23.61 Savings 173876 186115 7.04 Total CASA Deposits 191270 207616 8.55 CASA % 48.93 46.83 (210 bps) Core Time Deposits 199606 235749 18.11 Total Core Deposits 390876 443365 13.43 Inter Bank Deposits 1038 1085 4.53 Tota
Slide 30: Credit Performance
CREDIT PERFORMANCE ₹ in Cr Y-o-Y SECTOR SEP'24 SEP’25 Growth % Retail 76373 90204 18.11 Agriculture 50280 56521 12.41 MSME 55552 63223 13.81 RAM 182205 209948 15.23 Corporate 70739 83540 18.10 Gross Advance 252944 293488 16.03 TOTAL Credit RWA 167998 176679 5.17 CRWA % of 66.42 60.20 (622 bps) Gross
Slide 31: Diversified Loan Book
DIVERSIFIED LOAN BOOK ₹ in Cr SECTOR Amount Housing Loan 55061 Auto Loan 4125 Personal Loan 4376 Education Loan 6015 Other Retail Loan 20627 Total Retail 90204 Agriculture Loan 56521 MSME Credit 63223 Corporate Credit 83540 Total Advance 293488 FY 25-26 (Q2) Analyst Presentation 30
Slide 32: Retail Segment
RETAIL SEGMENT As on 30th SEP’2025 ₹ in Cr % of Total Retail Advance Y-o-Y Growth HOME LOAN ₹ 55061 EDUCATION LOAN ₹ 6015 61.04% 14.32% 6.67% 20.69% AUTO LOAN ₹ 4125 PERSONAL LOAN ₹ 4376 OTHER LOAN ₹ 20627 4.57% 16.66% 4.85% (4.31%) 22.87% 36.46% Retail Segment ₹ 90204 30.74% of Total Advance Y-o-Y
Slide 33: Rated Standard Advances
RATED STANDARD ADVANCES ₹ in Cr INVESTMENT GRADE WISE STANDARD ADVANCES SEP'24 SEP’25 Y-o-Y (FUND BASED) (%) (Rs 25 Crore and above) AAA 23757 44288 86.42 AA 19504 12934 (33.69) A 8958 9408 5.02 % of A & above rated advances to Total Standard 77.72 78.08 36 bps Rated Advances BBB 7070 8451 19.53 Gov
Slide 34: Approvals & Outstanding
APPROVALS & OUTSTANDING ₹ in Cr GROWTH (%) (%) GROWTH SANCTIONS APPROVALS OUTSTANDING DISBURSEMENTS IN IN DISBURSEMENTS APPROVALS (Amt.) SECTOR (Amt.) (Amt.) Sector No. of A/Cs Amt. No. of A/Cs Amt. No. of A/Cs Amt. As on Sep'24 Sep'24 Jun’25 Jun’25 Sep'25 Sep'25 Y-o-Y Q-o-Q (QTR) (QTR) (QTR) (QTR)
Slide 35: Co-Lending
CO-LENDING ₹ in Cr GROWTH GROWTH(%) (%) OUTSTANDING DISBURSEMENTS IN SANCTIONS APPROVALS IN DISBURSEMENTS APPROVALS (Amt.) SECTOR (Amt.) (Amt.) Sector No. of A/Cs Amt. No. of A/Cs Amt. No. of A/Cs Amt. As on Sep'24 Sep'24 Jun’25 Jun’25 Sep'25 Sep'25 Y-o-Y Q-o-Q (QTR) (QTR) (QTR) (QTR) 30th Sep’25 (Q
Slide 36: Achievement Under Mandated Targets
ACHIEVEMENT UNDER MANDATED TARGETS TOTAL PRIORITY ADVANCES TO MICRO SURPASSED THE ENTERPRISES SECTOR ADVANCES MANDATED @ 14.82% of ANBC @ 56.05% of ANBC NORMS IN against norm of 7.50% against norm of 40% RESPECT OF ADVANCES TO SMALL AND WEAKER SECTOR MARGINAL FARMERS @ 17.83% of ANBC @ 11.63% of ANB
Slide 37: Investments
INVESTMENTS FY 25-26 (Q2) Analyst Presentation
Slide 38: Investment Portfolio
INVESTMENT PORTFOLIO ₹ in Cr Particulars SEP'24 SEP’25 Govt. Securities 119053 131243 Other Approved - - Shares 2226 1910 Debentures & Bonds 28046 26830 Subsidiaries & Joint 740 573 Ventures Others 1110 1277 Total Investment In 151175 161833 India Investment Outside 47 47 India Grand Total 151222 16
Slide 39: Treasury Performance
TREASURY PERFORMANCE ₹ in Cr INTEREST ON INVESTMENT PROFIT ON SALE OF INVESTMENT Sep'24 Sep'25 Particulars (QTR) (QTR) 2588 2547 359 Aggregate Investment 151222 161880 190 Interest on Investment 2547 2588 Yield on Investment % 6.93 6.77 SEP'24 SEP'25 SEP'24 SEP'25 Profit on Sale of Investments 359 1
Slide 40: Treasury Operations
TREASURY OPERATIONS ₹ in Cr TOTAL INVESTMENT BOOK SEP’24 SEP’25 AGGREGATE INVESTMENT 151222 161880 PORTFOLIO HTM AFS FVTPL SAJV HTM AFS FVTPL SAJV INVESTMENT 101568 44840 3959 855 111865 42823 6559 633 PERCENTAGE 67.16% 29.65% 2.62% 0.57% 69.10 26.45 4.05 0.40 TOTAL SLR 119053 131243 PERCENTAGE 78.7
Slide 41: Digital Journey
DIGITAL JOURNEY FY 25-26 (Q2) Analyst Presentation
Slide 42: Digital Transactions & Customer Touch Points (1/2)
DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (1/2) Oct’23 to Sep’24 Oct’24 to Sep’25 UPI Debit Card (POS) 5.68% 1.00% 4.89% 4.78% 0.76% 4.06% 0.60% 0.36% IMPS RTGS/NEFT 0.47% 0.39% 0.36% 0.47% 3.15% 4.25% Mobile Banking AEPS-BHIM-AADHAR 82.64% 86.14% 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) 1606.40 42311.47 1549.22 31261.67 OCT'23 - SEP'24 OCT'24 - SEP'25 OCT'23 - SEP'24 OCT'24 - SEP'25 MOBILE BANKING INTERNET BANKING 190.21 178.84 174.59 176.81 OCT'23 - SEP'24 OCT'24 - SEP'25 OCT'23 - SEP
Slide 44: Leveraging Technology
LEVERAGING TECHNOLOGY BANKING INVESTMENT SHOPPING INSURANCE Omni channel experience across Mobile, Tablet, and Invest in Mutual Funds, Earn points and redeem Buy life, health, motor, Desktop. Simple, easy, and NPS, PMS, and them for offers, gifts etc. property insurance intuitive journey for
Slide 45: Leveraging Technology
LEVERAGING TECHNOLOGY Digital Complaint Lead Collection Digital Lending Management Management Management Services Platform (DLP) System (CMS) System (LMS) The Digital Lending Platform currently offers convenient and Unified platform for complaints The Lead Management system Collection Manageme
Slide 46: Financial Inclusion
FINANCIAL INCLUSION S No. of Accounts (in Lakhs) Balance Outstanding (₹ in Cr) O C I P 192.88 8093.76 8330.09 A 189.67 7869.13 M 7371.85 L 186.88 7085.69 J 185.27 184.30 S D E Y SEP'24 DEC'24 MAR'25 JUN'25 SEP'25 SEP'24 DEC'24 MAR'25 JUN'25 SEP'25 C U R I PMJJBY PMSBY APY T Y 107.04 27.49 26.96 104.
Slide 47: Central Bank of India - Group: Subsidiaries and Associates
CENTRAL BANK OF INDIA - GROUP Subsidiaries ₹ in Cr Shareholding Particulars Sep'24 (HY) Sep’25 (HY) Cent Bank Home Finance Ltd. (Unaudited) • Engaged into Housing Finance Activity Total Income 87.57 90.40 • Presence in 12 States through 32 Branches Net Profit/(Loss) 12.41 12.51 & 3 SPOKE locations 6
Slide 48: Central Bank of India - Group Position
CENTRAL BANK OF INDIA - GROUP Group Position ₹ in Cr Particulars As on 30th Sep'24 As on 30th Sep'25 CAPITAL & LIABILITIES Capital 8681 9051 Reserves and Surplus 24818 29484 Minorities Interest 81 90 Deposits 392481 445053 Borrowings 13346 12399 Other Liabilities and Provisions 8400 8847 Total 44780
Slide 49: Central Bank of India - Group Performance
CENTRAL BANK OF INDIA - GROUP Group Performance ₹ in Cr Half Year ended Particulars Sep'24 Sep'25 INCOME Interest and Dividend Earned 16602 17400 Other Income 2815 3379 Total 19417 20779 EXPENDITURE Interest Expended 9608 10698 Operating Expenses 5628 5885 Provisions and Contingencies 2374 1716 Tota
Slide 50: Shareholding & Ratings
SHAREHOLDING & RATINGS As on 30th Sep’2025 Share Capital : ₹ 9051.40 Cr Other Body Corp. Shares of Central Bank of India are Insurance Cos.. 0.24% Public. listed at BSE and NSE 3.26% 4.72% Equity Shares of Central Bank of India FIIs . 0.87% NRI. 0.09% are part of NSE 500, BSE 500 & BSE PSU ind
Slide 51: Pan India Network of Branches
PAN INDIA NETWORK OF BRANCHES 1. Ladakh 1 19. Tripura 6 As on 30th Sep’25 2. Jammu and Kashmir 15 20. West Bengal 316 Total Branches 4556 17.78% 35.53% 1 Rural 1619 3. Himachal Pradesh 57 21. Odisha 105 2 Semi Urban 1353 4. Chandigarh 11 22. Gujarat 311 3 Urban 774 5 4 5. Punjab 143 23. Madhya Prade
Slide 52: Guidance
GUIDANCE GUIDANCE FOR ACHIVEMENTS PARAMETERS FY 25-26 (QTR Sep’2025) Business Growth 14-15% 14.43% Deposit Growth 10-12% 13.40% Advances Growth 14-16% 16.03% CASA 48%(+/- 1%) 46.83% RAM: Corporate Credit Ratio 65:35 (+/-5%) 72:28 NIM Above 3% 2.89% Gross NPA Below 3% 3.01% Net NPA Below 0.45% 0.48%
Slide 53: Environment, Social and Governance
ENVIRONMENT, SOCIAL AND GOVERNANCE Environment Social Governance The Bank has financed numerous projects pertaining to In alignment with the Bank’s commitment to foster a more The Bank has established a dedicated Green Cell at renewable energy . As on 30 September 2025, it has inclusive and ac
Slide 54: MoUs and Pioneering Initiatives
MoUs and Pioneering Initiatives FY 25-26 (Q2) Analyst Presentation 53
Slide 55: MoUs and Pioneering Initiatives
MoUs and Pioneering Initiatives FY 25-26 (Q2) Analyst Presentation 54
Slide 56: Awards and Recognition
AWARDS AND RECOGNITION Skoch Award 2025: Corporate Excellence in Iconic Brand of India 2025 by ET Now 8th Editiion Most Preferred Workplace for Women for Transforming Recruitment 2025-26 by EY-India 2nd Edition FY 25-26 (Q2) Analyst Presentation 55
Slide 57: Product Offering
PRODUCT OFFERING FY 25-26 (Q2) Analyst Presentation 56
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. FY 25-26 (Q2) Analyst Presentation 57
Slide 59: 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 25-26 (Q2) Analyst Presentation
Central Bank of India — Q2 FY2025-26 Earnings Presentation on 6ix