Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Investor Presentation (May 2026)
41 slides from Central Bank Of India's investor presentation, May 7, 2026
Slide 1: Exchange filing cover letter for corporate presentation
क ीय कायालय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:41 Date: 07th May, 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 (East)
Slide 2: Corporate Presentation May-2026
Corporate Presentation May-2026 Visit us at www.centralbank.bank.in Corporate Presentation 1
Slide 3: 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 Corporate Presentation 2
Slide 4: Contents
CONTENTS CONTENTS CONTENTS Major Highlights 12 Business Performance Asset Quality 4 Financial Performance 18 22 37 Capital 24 Growth Initiatives 36 28 Digital Banking 32 ESG Award & Recognition Corporate Presentation 3
Slide 5: Strengths
Major Highlights Business Performance Financial Performance Asset Quality Capital STRENGTHS As of 31st Mar’26 Strong Brand Best CASA base Dedicated Image with @47.30% of Staff Legacy of Total Deposits Strength Of 114+ Years Strong Rural 33997 + Semi Urban Pan India Presence with Presence with Active
Slide 6: Pillars of Prosperity: Some major Firsts in Banking Industry
Major Highlights Business Performance Financial Performance Asset Quality Capital Pillars of Prosperity: Some major “Firsts” introduced in Banking Industry First to Serve Municipalities in India 1921 The Central Bank became the first Indian Bank to manage funds for municipalities like the Bombay Mun
Slide 7: 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 B. Purushartha Shri Manoranjan
Slide 8: 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 upto Jun’22, Bank exited from Prompt Corrective Action (PC
Slide 9: Central Bank of India – An Overview
Major Highlights Business Performance Financial Performance Asset Quality Capital CENTRAL BANK OF INDIA – AN OVERVIEW Central Bank of India as of Brief Snapshot Credit Rating quarter ended 31 st Mar’2026 ➢Founded in 1911 as the first Swadeshi Bank by Sir Sorabji Pochkhanawala. Central Bank of India
Slide 10: Key Milestone Achievements
Major Highlights Business Performance Financial Performance Asset Quality Capital KEY MILESTONE ACHIVEMENTS As of 31st Mar’26 TOTAL BUSINESS CROSSED ₹ 8,00,000 Crore SAVING DEPOSITS CROSSED ₹ 2,00,000 Crore RETAIL ADVANCE PORTFOLIO CROSSED ₹ 1,00,000 Crore Corporate Presentation 9
Slide 11: Key Highlights
Major Highlights Business Performance Financial Performance Asset Quality Capital KEY HIGHLIGHTS FY’26 vis-a-vis FY’25 Total Business Total Deposits CASA Gross Advances ₹ ₹812439 Cr ₹467923 Cr ₹220781 Cr ₹ ₹344516 Cr 15.60% 13.38% 9.75% 18.76% RAM Total Income Interest Income Net Profit* ₹234571 Cr
Slide 12: Pan India Network of Branches
Major Highlights Business Performance Financial Performance Asset Quality Capital PAN INDIA NETWORK OF BRANCHES 1. Ladakh 1 19. Tripura 6 As on 31st Mar’26 2. Jammu and Kashmir 15 20. West Bengal 317 Total Branches 4585 17.82% 1 Rural 1622 16.99% 35.38% 3. Himachal Pradesh 57 21. Odisha 105 2 Semi U
Slide 13: Overview – Robust Banking Franchise
Major Highlights Business Performance Financial Performance Asset Quality Capital OVERVIEW – ROBUST BANKING FRANCHISE Loan Book Growth: Profit Consistency: The bank reported a year-over-year increase of Bank has shown Sustained and Improving 01 02 Profitability Numbers for last 20 Quarters 18.76% in
Slide 14: 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 70.53 50.02 4.82 65.59 4.61 4.76 60.86 55.63 48.91 3.86 3
Slide 15: Business Performance
Major Highlights Business Performance Financial Performance Asset Quality Capital BUSINESS PERFORMANCE Touch Points Network during recent years… …Set to drive future business expansion Touch Points 20915 22129 18204 20266 40 17803 25 0 0 0 467923 412697 13685 385011 11682 12260 359296 344516 342692
Slide 16: Improving Business Performance
Major Highlights Business Performance Financial Performance Asset Quality Capital IMPROVING BUSINESS PERFORMANCE ₹ in Cr Operating Profit Slippage Ratio (%) 8479 8124 3.20 7363 6884 2.52 2.57 5742 1.45 1.16 FY'22 FY'23 FY'24 FY'25 FY'26 FY'22 FY'23 FY'24 FY'25 FY'26 Consistent Improvement in Return
Slide 17: Diversified Loan Book (1/2)
Major Highlights Business Performance Financial Performance Asset Quality Capital DIVERSIFIED LOAN BOOK (1/2) Domestic Gross Advances – Growth driven by Corporate & Retail Advances Mix as of Mar’2022 ( ₹ in crore ) Corporate 400000 1,89,712 2,17,779 2,51,745 2,90,101 3,44,516 & Others, 350000 Retail
Slide 18: Diversified Loan Book (2/2)
Major Highlights Business Performance Financial Performance Asset Quality Capital DIVERSIFIED LOAN BOOK (2/2) ₹ in Cr SECTOR MAR’22 MAR’26 Housing Loan 30163 59012 Auto Loan 3006 4676 Personal Loan 1897 4335 Education Loan 3435 6374 Other Retail Loan 13725 29136 Total Retail 52226 103533 Agriculture
Slide 19: 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 1213 1263 1169 959 1034 880 913 807 718 724*
Slide 20: Sustained Headline Numbers (Standalone)
Major Highlights Business Performance Financial Performance Asset Quality Capital SUSTAINED HEADLINE NUMBERS ( On Stand alone basis) Year Ended Particulars Mar’22 (FY) Mar’23 (FY) Mar’24 (FY) Mar'25 (FY) Mar’26 (FY) Yield on Advances (%) 6.57 7.61 8.72 8.78 8.21 Yield on Investments (%) 6.27 6.26 6.
Slide 21: Statement of Income & Expenditure
Major Highlights Business Performance Financial Performance Asset Quality Capital STATEMENT OF INCOME & EXPENDITURE ₹ in Cr Mar'31 Mar'31 Mar'31 Mar'31 Mar'31 Particulars 2022 2023 2024 2025 2026 (F/Yr) (F/Yr) (F/Yr) (F/Yr) (F/Yr) INTEREST INCOME 22802 25542 30722 33666 36026 NON INTEREST INCOME 296
Slide 22: Balance Sheet – Stand Alone
Major Highlights Business Performance Financial Performance Asset Quality Capital BALANCE SHEET – STAND ALONE ₹ in Cr As on As on As on As on As on Particulars 31st Mar’22 31st Mar’23 31st Mar’24 31st Mar’25 31st Mar’26 CAPITAL & LIABILITIES Capital 8681 8681 8,681 9051 9051 Reserves and Surplus 188
Slide 23: Improving Asset Quality Trend
Major Highlights Business Performance Financial Performance Asset Quality Capital IMPROVING ASSET QUALITY TREND 14.84 3.97 8.44 1.77 4.50 1.23 3.18 2.67 0.55 0.49 FY'22 FY'23 FY'24 FY'25 FY'26 FY'22 FY'23 FY'24 FY'25 FY'26 GROSS NPA % NET NPA % ₹ in Cr Particulars Mar'22 Mar'23 Mar'24 Mar'25 Mar’26
Slide 24: Lowering Credit Costs Supported by Lower Delinquencies
Major Highlights Business Performance Financial Performance Asset Quality Capital LOWERING CREDIT COSTS SUPPORTED BY LOWER DELINQUENCIES High PCR (%)… falling NPA ratios NPA 92.48 93.58 96.54 95.97 86.69 14.84 80.47 83.27 81.86 76.29 73.53 8.44 4.50 3.18 2.67 3.97 1.77 1.23 0.55 0.49 FY'22 FY'23 FY'
Slide 25: Diversified & Growing Resource Profile
Major Highlights Business Performance Financial Performance Asset Quality Capital DIVERSIFIED & GROWING RESOURCE PROFILE UPTO 3 CRORE Term Deposit Mar’26 ABOVE 3 CRORE 7% Deposit Composition 16% 7% MAR’22 MAR’26 40% 11% 20% 0.48% 4.82% 0.99% 4.44% 0.23% 75% 24% RURAL S.URBAN URBAN METRO RURAL S.URBA
Slide 26: Stable Rating Profile
Major Highlights Business Performance Financial Performance Asset Quality Capital STABLE RATING PROFILE INVESTMENT GRADE WISE STANDARD ADVANCES (FUND BASED) (₹25 Crore and above) Ratings Profile as of Mar’22 INVESTMENT GRADE WISE STANDARD ADVANCES (FUND BASED) (₹25 Crore and above) Unrated. 7.81% ₹
Slide 27: Capital Ratios
Major Highlights Business Performance Financial Performance Asset Quality Capital CAPITAL RATIOS CAPITAL ADEQUACY RATIO 14.12 15.08 17.02 17.91 13.84 2.30 2.29 2.36 2.01 2.62 15.61 14.73 12.46 12.11 11.48 MAR'22 MAR'23 MAR'24 MAR'25 MAR'26 CET-I Tier-II LEVERAGE RATIO 6.15 5.85 5.13 4.73 4.25 MAR'22
Slide 28: Shareholding Pattern
Major Highlights Business Performance Financial Performance Asset Quality Capital SHAREHOLDING PATTERN As on 31st Mar’2026 As on 31st Mar’2026 Other Body Corp. 0.18% • Share Capital : ₹ 9051.40 Cr Insurance Cos.. Public. 3.27% 4.87% • Shares of Central Bank of India are listed at BSE FIIs . 0.75% an
Slide 29: Leveraging Technology
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition LEVERAGING TECHNOLOGY Quick Pay Bulk Upload for Proprietor Strengthening Digital Trust & Compliance Streamlined digital payment Domain Migration to “bank.in” facility for proprietors (incl. Instant payments, simple UI, It will e
Slide 30: 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 31: Leveraging Technology to Accelerate Growth
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition LEVERAGING TECHNOLOGY TO ACCELERATE GROWTH Digital Lending (₹ in Crore) Total outstanding via DLP 1,584.34 ₹ 6679.91 Crores 1,416.63 949.84 776.67 544.43 542.61 251.13 151.68 199.55 26.57 0.45 0.97 91.26 103.88 0.56 0.49 0.08 38
Slide 32: Leveraging Technology Key Points & Upcoming Digital Journeys
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition Leveraging Technology Key Points & Upcoming Digital Journeys Upcoming Digital Journeys HCM RETAIL MSME Corporate Banking • Mandatory Audit Posting – to create a compliance culture • Education Loan (with and • Vendor Finance (PM
Slide 33: 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 34: Key Growth Strategies – Accelerate, Expand & Transform
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition Key Growth Strategies – Accelerate , Expand & Transform Improve CD Ratio MSME Credit Agriculture Credit ➢ Cluster based lending approach to enhance focus, ➢ Agro Cluster based Financing has been launched by the ➢ Segment branche
Slide 35: 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 36: Mission Pragati
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition MISSION PRAGATI The “MISSION PRAGATI” vertical has been established as the Bank’s Central Transformation Hub – a strategic institution-wide initiative driving a culture of – Innovation, Agility, and continuous improvement across
Slide 37: Environment, Social and Governance
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition ENVIRONMENT, SOCIAL AND GOVERNANCE Social Environment ❑The Bank sanctioned ₹ 1.17 crores worth of CSR funds on activities as mentioned below, as of 31st March 2026: ❑ The Bank has financed numerous projects pertaining to renewab
Slide 38: Awards and Recognition
Digital Banking Growth Initiatives ESG Initiatives Awards & Recognition AWARDS AND RECOGNITION First Prize for Regional Official “Best Organisation for Women” Customer Experience Transformer at Data Language 2024-25 of North Eastern at the ET Edge award ceremony 2026 Innovation Awards 2026 hosted by
Slide 39: Abbreviation
ABBREVIATION • RWA – Risk-Weighted Assets • ULI – Unified Land Information API • LCR – Liquidity Coverage Ratio • VCIP / VKYC – Video-based Know Your Customer • CIR – Cost-to-Income Ratio • DKYC – Digital Know Your Customer • PCA – Prompt Corrective Action • DEAF – Depositor Education and Awareness
Slide 40: 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 41: 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 40
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