Investor Presentation

कें द्रीय कायाालय 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 (East), Dalal Street, Fort, Mumbai-400 051 Mumbai-400 001 Scrip Code-CENTRALBK Scrip Code-532 885 Dear Sir/Madam, Sub: Corporate Presentation of Bank. Please find the enclosed Corporate Presentation of Bank for information. A copy of presentation will also be made available on Bank’s website i.e. https://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 Corporate Presentation Visit us at www.centralbank.bank.in Corporate Presentation 1 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 Strength Of Total Deposits 34125 114+ Years Strong Rural Pan India + Semi Urban Presence with Presence with Active 22346 65% Customer of Total Customer Touch Base Branches in Points out of 8.33 Crore RUSU Centers which 85% is in RUSU Centers Corporate Presentation 2 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 Municipality and the Bombay Improvement Trust. First Dedicated Saving Bank for Thrift Promotion 1921 The Bank introduced an innovative Home Savings Bank Department to promote thrift among Indians. It was the first to provide customers with home-savings safes, encouraging small savings that could later be deposited in the Bank. First Bank to Publish Fortnightly Financial Statements 1922 The Central Bank of India was the first joint-stock bank in India to publish fortnightly statements of its liabilities and assets. First Bank to Provide Separate Facilities for Women The Central Bank established a Ladies Department, becoming the first bank in India to offer dedicated services for female customers. This department had a 1924 separate room with female assistants to facilitate transactions like deposits and withdrawals, catering specifically to women’s financial needs and encouraging their participation in the banking system. First Safe Deposit Vault 1926 The Central Bank established first Safe Deposit Vault in the Indian Banking Industry 1962 Recurring Deposit First Bank to start Recurring Deposit Scheme in the country. Corporate Presentation 3 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 Manoranjan Dash Shri Sarada Kumar Hota Shri Rajesh Ranjan Govt. Nominee Director RBI Nominee Director Shareholder Director Shareholder Director As of 13th Aug’2026 Corporate Presentation 4 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 (PCA) framework of RBI. The performance has further improved from Sep’22 quarter onwards. JUN’21 SEP’21 MAR’22 Mar’22 JUN’22 SEP’22 MAR’23 MAR’24 MAR’25 MAR’26 JUN’26 (QTR) (QTR) (QTR) (FY) (QTR) (QTR) (FY) (FY) (FY) (FY) (QTR) Net Profit 206.00 250.00 310.00 1045.00 235.00 318.00 1582 2549 3785 4369* 1324 (₹ in Cr) CRAR 13.01 13.51 13.84 13.84 13.33 13.56 14.12 15.08 17.02 17.91 18.28 CET 1 11.06 11.53 11.48 11.48 11.41 11.62 12.11 12.46 14.73 15.61 16.54 Net NPA% 5.09 4.51 3.97 3.97 3.93 2.95 1.77 1.23 0.55 0.49 0.49 Leverage% 4.36 4.42 4.25 4.25 4.32 4.51 4.73 5.13 6.15 5.85 6.33 *After taking one time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹ 632 Crore. Corporate Presentation 5 Major Highlights Business Performance Financial Performance Asset Quality Capital PROFITABILITY – SUSTAINED GROWTH NET PROFIT ₹ in Cr Financial Year -888 -1121 -2439 -5105 -5641 MAR’17 MAR’18 MAR’19 MAR’20 MAR’21 Quarterly Sustained Profitability numbers 1324 1263 1169 1213 1034 880 913 959 718 724* 571 605 458 418 206 279 310 318 250 235 JUN'21 SEP'21 DEC'21MAR'22JUN'22 SEP'22 DEC'22MAR'23JUN'23 SEP'23 DEC'23MAR'24JUN'24 SEP'24 DEC'24MAR'25JUN'25 SEP'25 DEC'25MAR'26JUN'26 *After taking one time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹ 632 Crore. Corporate Presentation 6 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 Agency Tier1 Bonds Tier2 Bonds Central Bank of India has a legacy of more than 114 years of serving the people Rating of Deposits and nation. CRISIL (upgraded AA+ AA AA+ ➢Building a Digital Bank – Cent NEO- to meet the aspirations of new generation A1+ on 04th Aug (Stable) (Stable) (Stable) customers. 2026) ➢One of the best CASA base in the industry. India Rating AA AA (Stable) (Stable) ➢PAN India distribution network comprising 4605 full-service domestic outlets and 1 IFSC Banking Unit(IBU) in Gift City. It also has 3820 ATMs , 13890 Business ICRA - AA-(Stable) - (Stable) Correspondents and 30 BC Maxx Centres as of Mar 31, 2026. CARE - - - A1+ Central Bank of India statistics( For the Financial Year ended 31st Mar’2026) NII: Operating Profit: ROA Book Value pershare: ₹ 14,171Cr ₹8,479Cr 0.89%* ₹38.23 Y-o-Y Growth 1.97% Y-o-Y Growth 4.37% Y-o-Y Growth3 bps Y-o-Y Growth6.22% Net Interest Margin: 3.07% Net Profit: ROE: EPS One of the highest in the ₹4,369Cr* 13.00%* ₹ 4.83* Industry Y-o-Y Growth 15.43% Y-o-Y Growth52 bps Y-o-Y Growth10.78% *After taking one time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹ 632 Crore. Corporate Presentation 7 Major Highlights Business Performance Financial Performance Asset Quality Capital KEY HIGHLIGHTS Jun’26 (QTR) Jun’25 (QTR) vis-a-vis Y-o-Y Global Business Total Deposits CASA Global Advances 833320 478972 222892 354348 ₹ Cr ₹ Cr ₹ Cr ₹ Cr 18.29% 11.68% 11.16% 28.58% RAM Total Income Interest Income Net Profit 241105 10678 9691 1324 ₹ Cr ₹ Cr ₹ Cr ₹ Cr 21.38 % 3.08% 12.84% 13.26% Gross NPA % Net NPA % Credit Cost ROE 2.60% 0.49% 0.40% 14.92% 53 bps 0 bps 28 bps 75 bps Corporate Presentation 8 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 35.24% 3. Himachal Pradesh 57 21. Odisha 105 Semi Urban 1378 Urban 785 4. Chandigarh 11 22. Gujarat 311 Metro 819 17.05% 5 4 5. Punjab 143 23. Madhya Pradesh 464 IFSC Banking Unit (IBU)- GIFT City 1 7 8 15 6. Uttarakhand 42 24. Chhattisgarh 116 29.92% Total Branches 4606 Rural Semi Urban 9 10 13 16 7. Haryana 139 25. Jharkhand 89 Total ATMs 3820 Urban Metro 11 14 17 8. National Capital Territory 98 26. Dadra & Nagar Haveli and 3 of Delhi Daman & Diu Total BC Outlets 13890 25 18 9. Rajasthan 192 27. Maharashtra 589 BC MAXX Centres 30 22 23 20 Total Customer Touch 24 10. Uttar Pradesh 584 28. Telangana 107 22346 Points 26 21 27 11. Bihar 4 [Showing first 8,000 characters — download PDF for full document]