Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Investor Presentation (September 2026)
26 slides from Central Bank Of India's investor presentation, Sep 30, 2026
Slide 1: Exchange filing cover letter: Corporate Presentation of Bank
केंद्रीय कायाा लय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:162 Date: 30.09.2026 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, Bandra (Ea
Slide 2: Corporate Presentation – Year of Business Excellence 2026-27
YEAR OF BUSINESS EXCELLENCE 2026-27 Corporate Presentation Visit us at www.centralbank.bank.in Corporate Presentation 1
Slide 3: Strengths
Major Highlights Business Performance Financial Performance Asset Quality Capital STRENGTHS As of 30th June 2026 Strong Brand Best CASA base Dedicated Image with @46.61% of Staff Legacy of Total Deposits Strength Of 114+ Years Strong Rural 34125 Pan India + Semi Urban Presence with Presence with Act
Slide 4: Pillars of Prosperity: Some major Firsts introduced in Banking Industry
Major Highlights Business Performance Financial Performance Asset Quality Capital Pillars of Prosperity: Some major “Firsts” introduced in Banking Industry 1921 First to Serve Municipalities in India The Central Bank became the first Indian Bank to manage funds for municipalities like the Bombay Mun
Slide 5: Eminent Leadership
Major Highlights Business Performance Financial Performance Asset Quality Capital EMINENT LEADERSHIP Shri Kalyan Kumar Shri M V Murali Krishna Shri Mahendra Dohare Shri E Ratan Kumar Managing Director & CEO Executive Director Executive Director Executive Director Shri Chandradeep Kumar Jha Shri Mano
Slide 6: Bank Exited from PCA Framework
Major Highlights Business Performance Financial Performance Asset Quality Capital BANK EXITED FROM PCA FRAMEWORK As per RBI communication dated 20th Sep’22, with sustained performance and complying with all PCA parameters on an ongoing basis up to Jun’22, Bank exited from Prompt Corrective Action (P
Slide 7: Profitability – Sustained Growth
Major Highlights Business Performance Financial Performance Asset Quality Capital PROFITABILITY – SUSTAINED GROWTH NET PROFIT ₹ in Cr Financial Year -1121 -888 -2439 -5105 -5641 MAR’17 MAR’18 MAR’19 MAR’20 MAR’21 Quarterly Sustained Profitability numbers 1263 1324 1169 1213 959 1034 880 913 807 718
Slide 8: Central Bank of India – An Overview
Major Highlights Business Performance Financial Performance Asset Quality Capital CENTRAL BANK OF INDIA – AN OVERVIEW Brief Snapshot Credit Rating ➢Founded in 1911 as the first Swadeshi Bank by Sir Sorabji Pochkhanawala. Long Term Certificate Central Bank of India has a legacy of more than 114 years
Slide 9: Key Highlights
Major Highlights Business Performance Financial Performance Asset Quality Capital 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
Slide 10: Pan India Network of Branches
Major Highlights Business Performance Financial Performance Asset Quality Capital PAN INDIA 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 Urba
Slide 11: Growth and Profitability Levers
Major Highlights Business Performance Financial Performance Asset Quality Capital GROWTH AND PROFITABILITY LEVERS One of the best CASA base Provided Low Cost of Deposits …and Improving CD Ratio* CASA Cost of Deposit CD Ratio 50.58 50.39 73.80 74.10 50.02 70.53 4.76 4.82 4.93 65.59 64.43 4.61 4.60 60
Slide 12: Growth and Profitability Levers
Major Highlights Business Performance Financial Performance Asset Quality Capital GROWTH AND PROFITABILITY LEVERS ₹ in Cr Touch Points Network during recent years… …Set to drive future business expansion Touch Points 20915 22129 22346 18204 20266 40 30 17803 0 25 0 0 478972 467923 11682 12260 13685
Slide 13: Consistency - The Mantra
Major Highlights Business Performance Financial Performance Asset Quality Capital CONSISTENCY - THE MANTRA Operating Profit ₹ in Cr Net Interest Income ₹ in Cr 8479 8124 14171 13897 7363 12896 6884 11687 5742 9487 2304 2186 3914 3383 FY'22 FY'23 FY'24 FY'25 FY'26 Q1 FY'26 Q1 FY'27 FY'22 FY'23 FY'24
Slide 14: RAM & Corporate – The Growth Drivers
Major Highlights Business Performance Financial Performance Asset Quality Capital RAM & CORPORATE – THE GROWTH DRIVERS Domestic Gross Advances – Growth driven by Corporate & Retail Advances Mix as of Mar’2022 ( ₹ in crore ) Corporate 1,89,712 2,17,779 2,51,745 2,90,101 3,44,516 3,54,348 & Others, Re
Slide 15: Sustained Headline Numbers (Standalone basis)
Major Highlights Business Performance Financial Performance Asset Quality Capital SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Year Ended Quarter ended Particulars Mar’22 (FY) Mar’23 (FY) Mar’24 (FY) Mar'25 (FY) Mar’26 (FY) Q1 FY’26 Q1 FY’27 Growth (Y-o-Y) Yield on Advances (%) 6.57 7.61 8.72
Slide 16: Improvement in Credit Underwriting and Sound Asset Quality
Major Highlights Business Performance Financial Performance Asset Quality Capital IMPROVEMENT IN CREDIT UNDERWRITTING AND SOUND ASSET QUALITY High PCR (%)… falling NPA ratios 96.54 NPA 92.48 93.58 95.97 95.86 86.69 14.84 83.27 81.86 81.41 80.47 76.29 73.53 8.44 4.50 3.18 2.67 2.60 3.97 1.77 1.23 0.5
Slide 17: Capital Ratios
Major Highlights Business Performance Financial Performance Asset Quality Capital CAPITAL RATIOS CAPITAL ADEQUACY RATIO 14.12 15.08 17.02 17.91 18.28 13.84 1.74 2.30 2.29 2.36 2.01 2.62 16.54 15.61 14.73 12.46 12.11 11.48 MAR'22 MAR'23 MAR'24 MAR'25 MAR'26 Q1 FY'27 CET-I Tier-II LEVERAGE RATIO 6.15
Slide 18: Leveraging Technology to Accelerate Growth
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition LEVERAGING TECHNOLOGY TO ACCELERATE GROWTH Retail MSME Agri & Social • Pre-Approved Personal Loan (PAPL) • Mudra Loan Cent Saral • CKCC (Fresh/ Renewal) • Retail Gold Loan • Cent Business • SHG (Fresh/ Renewal) • Home Loan • Cen
Slide 19: Leveraging Technology to Accelerate Growth
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition LEVERAGING TECHNOLOGY TO ACCELERATE GROWTH Digital Lending (₹ in Crore) 4,290.53 3,634.07 2,715.85 Total outstanding via DLP ₹ 11049.53 Crores 409.08 No. of Internet Banking Users (In Lacs) No. of Digital Transactions (In Crore)
Slide 20: Key Growth Strategies – Accelerate, Expand & Transform
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition Key Growth Strategies – Accelerate , Expand & Transform Build Granular CASA book Increase Fee Income Tech and Digital Adoption ➢ Product-wise targets for trade/forex, POS/merchant ➢ Run weekly staff huddles on digital products a
Slide 21: Key Growth Strategies – Accelerate, Expand & Transform
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition Key Growth Strategies – Accelerate , Expand & Transform MSME Credit First PSU Bank to Launch ‘Bharat Connect for Business’ ➢ Cluster based lending approach to enhance focus, efficiency and market penetration. ➢ Central Bank of I
Slide 22: New Initiatives on People/Process/Product side
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition New Initiatives on People/Process/Product side 1000 Credit Officers Training Programme NRI Desk CENT e-T₹ade Customer Web Portal As part of skill upgradation, faster decision 159 specialized NRI desks have been setup in the Bank
Slide 23: Environment, Social and Governance
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition ENVIRONMENT, SOCIAL AND GOVERNANCE Social Environment 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
Slide 24: Awards and Recognition
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition AWARDS AND RECOGNITION For the exemplary implementation of Rajbhasha, Central Bank of India has received the Rajbhasha Kirti Pratham Award in the category of major bank financial institutions from the Government of India, Minist
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 impl
Slide 26: 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 Corporate Presentation 25
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