Investor Presentation

कें द्रीय कायाालय 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, Bandra (East), Dalal Street, Fort, Mumbai-400 051 Mumbai-400 001 Scrip Code-CENTRALBK Scrip Code-532 885 Dear Sir/Madam, Sub: Presentation on Financial Results of the Bank for the First Quarter and Three months ended 30th June, 2026. Pursuant to Regulation 30 of SEBI (LODR) Regulation, 2015, we enclose herewith copy of Presentation on Financial Results of the Bank for the First Quarter and Three months ended 30th June, 2026. A copy of presentation will also be made available on Bank’s website i.e. https://www.centralbank.bank.in/en/investor-relations Please take the above on your record. Thanking you. Yours faithfully, For Central Bank of India CHANDRAKANT BHAGWAT Company Secretary & Compliance Officer Encl.: As above Central Office: Chander Mukhi, Nariman Point, Mumbai - 400 021 ईमेल/Email ID: smird@centralbank.bank.in Follow us on Central Bank of India www.centralbank.bank.in 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 A R E Excellence Sustainable Growth & Viksit Bharat Including Families 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 emerging Asia (which US 2.10 2.30 2.20 includes India) have already risen by 30 percent since the Euro Area 1.40 0.90 1.20 onset of the war. The global inflation outlook by IMF has already been revised upward to 4.7 percent in 2026 (an Japan 1.10 0.60 0.70 upward revision of 0.3 percentage points from April release). United Kingdom 1.40 1.00 1.30 ❑ The International Monetary Fund July 2026 issue of World Emerging Market & Developing Economies 4.50 3.80 4.50 Economic Outlook projected Global growth to be 3.0 China 5.00 4.60 4.10 percent in 2026 and 3.4 percent in 2027. This 2026 figure is a India 7.70 6.40 6.70 slight 0.1 percentage point downgrade from the April Russia 1.00 1.10 1.10 forecast, reflecting the impact of the war in the Middle East. ❑ The IMF projects India as a leading fast-growing economy Inflation (6.4% in 2026; 6.7% in 2027) while MoSPI’s updated 2022-23 7 .9 9 .9 4 .9 6 .9 base year uses wider market data to capture shifting 4 3 consumption and production landscapes. The new series .8 .8 pushes FY26 real GDP and GVA to multi-year highs of 7.6% and 7.7%. 7 2 .3 4 .3 5 .3 9 .3 4 .4 3 .3 7 .3 0 .4 5 .4 .5 7 .3 7 .3 7 .3 7 .3 9 .3 9 .3 0 .4 2 .4 ❑ I fn rod mia ’s 3 .C 9P %I i in nf la Mti ao yn , wcl him ileb e Cd P Is t fe oa od dil y a nto d 4 b. e4 v% e ri an g eJ su n se h o2 w0 e2 d6 .2 1 .2 2 .1 2 .2 4 .1 3 .2 s Ct Pe Ie p ori rs ee t so y5 e.1 d% , tp ao bi ln et in (3g –fo 3o .9d a )s hk oe wy iu np w ua nrd ed rr lyiv iner g. demand-side inflation remains well-anchored. The sharpest rise came in WPI surged from 1.1% to 9.9% and PPI Output CPI CPI food and CPI Core WPI PPI Output beverages from 1.3% to 9.6% This wide gap between retail and wholesale inflation signals building input-cost pressures yet Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 to be passed to customers. FY 26-27 (Q1) Analyst Presentation C Customer Service A Aspirational and R Role in Nation Building E Employee Well-Being 22 Excellence Sustainable Growth & Viksit Bharat Including Families MACRO ECONOMIC INDICATORS (2/2) Rainfall variation Economic Outlook & Projections 5.69 9.96 8.74 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 -0.68 -2.87 India, and Kharif sowing is running 23% below last year's pace, -5.21 -5.41 -7.14 -9.41 making July a season-defining month. While the loose inverse -11.86 -13.71 relationship suggests limited impact, the food inflation 3 4 5 6 7 8 9 0 1 2 3 4 5 6 monitoring is critical. 1 1 1 1 1 1 1 2 2 2 2 2 2 2 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 0 - 1 - 2 - 3 - 4 - 5 ❑ The RBI's June 2026 Financial Stability Report confirms that 1 1 1 1 1 1 1 1 2 2 2 2 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 2 2 2 2 2 2 2 2 2 2 2 2 despite global geopolitical tensions and AI disruptions, the cumulative deviation Headline Inflation Combined Indian economy remains resilient. Key findings show domestic banks and NBFCs maintain robust capital, low bad loans, and steady profitability. Stress tests verify that institutions are well- Year-on-Year Growth in Outstanding Credit of SCBs equipped to manage risks like inflation and market volatility, Jan-26 Feb-26 Mar-26 Apr-26 May-26 while ongoing regulatory and supervisory initiatives continue to Gross Bank Credit 14.60 14.50 16.10 16.01 17.65 foster a stable, inclusive, and efficient financial system. ❑ Overall credit growth in the banking system has picked up Non-Food Credit 14.40 14.30 15.90 15.83 17.36 sharply in recent months, indicating improved consumption and Agriculture & Allied Activities 11.40 12.30 15.70 13.70 14.91 investment demand , gross bank credit growth rose from 14.60% in Jan-26 to 17.65% in May-26. Industry 12.10 13.50 15.00 15.06 17.55 ❑ The services sector has emerged as the strongest driver of credit Services 15.50 16.30 19.00 18.58 20.41 growth, accelerating from 15.50% to 20.41% between Jan-26 Housing Loans 11.10 11.00 11.50 11.39 10.92 and May-26, followed closely by industry, which nearly matched pace, rising from 12.10% to 17.55%. Agriculture & allied Vehicle Loans 17.10 17.10 18.60 17.97 17.33 activities also picked up, growing from 11.40% to 14.91%. Gold Renewable Energy 62.00 64.40 13.40 15.64 17.46 loans, though still growing at a very high rate (105.50% in May- Gold Loans 128.80 127.90 123.10 121.21 105.50 26), have decelerated meaningfully from the extraordinary 120– 130% levels seen earlier in the year. FY 26-27 (Q1) Analyst Presentation C Customer Service A Aspirational and R Role in Nation Building E Employee Well-Being 3 Excellence Sustainable Growth & Viksit Bharat Including Families VALUES THAT SET US APART C E N T R A L Ethical Transparency Accountability Standards Nurturing Consistency Responsiveness Loyalty Potential FY 26-27 (Q1) Analyst Presentation C Customer Service A Aspirational and R Role in Nation Building E Employee Well-Being 4 Excellence Sustainable Growth & Viksit Bharat Including Families STRENGTHS Strong Rural + Semi Pan India Presence Urban Presence 22346 Active 65% with with of Customer Customer Touch Total Branches in Base Points out of which RUSU Centers 8.33 Crore 85% is in RUSU Centers Strong Brand Best CASA base Dedicated Image with Legacy @46.61% of Staff Strength Of 114+ of Years Total Deposits 34125 FY 26-27 (Q1) Analyst Presentation C Customer Service A Aspirational and R Role in Nation Building E Employee Well-Being 5 Excellence Sustainable Growth & Viksit Bharat Including Families CONTENTS CONTENTS 11 Financial Business Performance Performance Performance Highlights 07 26 Asset Quality & Capital Adequacy Investments Group Performance Digital Other Journey & FI Information Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C A R E Excellence Sustainable Growth & Viksit Bharat Including Families PERFORMANCE HIGHLIGHTS Customer Service Aspirational and Role in Nation Building Employee Well-Being FY 26-27 (Q1) Analyst Presentation C A R E Excellence Sustainable Growth & Viksit Bharat Including Families KEY HIGHLIGHTS Jun’26 (QTR) Jun’25 (QTR) vis-a-vis Y-o-Y Global Business Total [Showing first 8,000 characters — download PDF for full document]