Transcript of Bank''s Conference/Earnings call held on 17th July, 2026

कें द्रीय कायाालय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:119 Date: 23rd 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: Transcript of Bank's Conference/Earnings call held on 17th July, 2026. We enclosed herewith the transcript of Conference/Earnings call hosted by Bank with the Analysts/Institutional Investors on 17th July, 2025 on Financial Results of the Bank for the First Quarter and Three Months ended 30th June, 2026. The copy of same is made available on the Bank’s website under the following web link: https://www.centralbank.bank.in/en/investor-relations This information is furnished in terms of Regulation 46(2) and Regulation 30 of the SEBI (LODR) Regulations, 2015. 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 “Central Bank of India Q1 FY27 Earnings Conference Call” July 17, 2026 MANAGEMENT: SHRI KALYAN KUMAR – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER SHRI M V MURALI KRISHNA – EXECUTIVE DIRECTOR SHRI MAHENDRA DOHARE – EXECUTIVE DIRECTOR SHRI E. RATAN KUMAR – EXECUTIVE DIRECTOR SHRI VIVEK KUMAR – CHIEF FINANCIAL OFFICER MODERATOR: SHRI RAJU BARNAWAL – ANTIQUE STOCK BROKING LIMITED Page 1 of 11 Central Bank of India July 17, 2026 Moderator: Ladies and gentlemen, good day, and welcome to the Central Bank of India Q1 FY27 Earnings Conference Call hosted by Antique Stock Broking Limited. As a reminder, all participant lines will be in a listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star, then zero on your touch-tone phone. Please note this conference is being recorded. I now hand the conference over to Mr. Raju Barnawal from Antique Stock Broking Limited. Thank you, and over to you, sir. Raju Barnawal: Thank you. Good afternoon, everyone, and thank you for joining Post Result Conference Call of Central Bank of India for Q1 FY27. Today, from the senior management side, we have with us Shri Kalyan Kumar, MD and CEO, Shri M V Murali Krishna, Executive Director; Shri Mahendra Dohare, Executive Director; Shri E. Ratan Kumar, Executive Director; and Shri Vivek Kumar, Chief Financial Officer. Now without any further delay, I hand over the call to MD, sir for their opening remarks, post which we will have a Q&A session. Thank you, and over to you, sir. Kalyan Kumar: Thank you. Good afternoon. Today, I'm very happy presenting the key facts and performance of Central Bank of India in Q1 that is 30th June 2026. Our total global business has grown up by 18.29%, which is ₹833,320 crores and deposit increased by 11.68% to ₹478,972 crores. CASA being remained our strong point, we maintained 46.61% of total deposits. I would also like to mention within CASA, Savings Account deposit has grown by 11.66% and total CASA has grown by 11.16% year-on-year basis. It shows our presence and trust of our customers in our brand value. Similarly, in advances side, gross global advance increased by 28.58% to ₹3,54,348 crores. CD ratio improved to 74.10%. Towards asset quality also, gross NPA stood at 2.60%, there is an improvement of 53 basis points year on year basis. We have maintained net NPA at 0.49%, PCR approximately 95.86%. Operating profit for the financial year, is at ₹2,186 crores. Net profit for the quarter increased by 13.26% to ₹1,324 crores. Net interest margin is above 3%, aligning with our guidance to the market. It is 3.06%. ROA is 1%, ROE improved to 14.92% from 14.17%, Cost-to-income ratio is at 55.40% it was 55.30% for June '25 quarter. Slippage ratio stood at 0.29% for this quarter and where we can mark an improvement of 6 basis points. Capital-wise also Central Bank of India is resilient, CRAR improved to 18.28%, of which Tier 1 capital is 16.54%. In that way, another highlight towards profitability, which I shared with you, I am happy to share net interest income grew by 15.70% on year-on-year basis, that is to ₹3,914 crores. Total income for Q1 financial year '27 improved by 3.08% and stood at ₹10,678 crores. Cost of deposit improved to 4.60% that is 33 basis point improvement registered. So, cost of deposit has stabilized. Now again, in business side, RAM sector grew by 21.38%, in which retail grown by 23.92% that is ₹1,05,523 crores and agriculture has grown by 21.14%, that is ₹64,274 crores and MSME Page 2 of 11 Central Bank of India July 17, 2026 has grown by 18.03%, that is ₹71,308 crores. RAM to Corporate Credit ratio stands at 68:32, aligning with our guidance ratio of 65:35 plus-minus 5%. We have maintained credit cost at 0.40%, there is an improvement from 0.68% of previous quarter '25. Central Bank of India had opened one new branch at GIFT City, Gandhinagar, Gujarat inaugurated on 29th June’ 2026, a platform we are going to leverage for our overseas business for meeting our customers' requirement for our overseas business. Today, Central Bank of India is having pan-India presence with 22,346 Touch Points with 4,605 branches, having network of 65% branches in rural and semi-urban area, 1 IFSC Banking Unit, 3,820 ATMs, 13,890 BC outlets and 30 BC MaXX Centres. These 65% RUSU Branches contributed in our achievement of priority sector targets of 58% against the mandated threshold of 40% out of which advances to small and marginal farmers crossed 10% mandated threshold and now stands at11%, for the quarter ended 30th June, 2026. Micro enterprises, which is really the growth engine for our economy, which creates employment, generates income in the lower segment of the society, where instead of 7.5% of regulatory threshold have crossed 15%. In that, Central Bank of India, an organization of 114- plus years of its existence, serving nation in true sense that is Bharat by supporting economy in all these important areas. CASA, we have maintained 46.61%. Term deposit has grown by more than 12%. In that way, CD ratio from 64%, in June '25 has improved to 74%. Liquidity coverage ratio was more than 210%, now it is moderated to 156%. In that way, overall improvement in terms of interest income, growth and commitment towards public. We are working on our people, process and technology. In people side, our 1,000 credit officers who were undergoing specialized training for credit, they are going to join us in the first week of October’ 2026. We are going to deploy them on our all potential, credit centres. We have planned to open more corporate finance branch and mid-corporate branch so that we can play meaningfully in the growth history of Indian banking. Secondly, for forex side, improvement in noninterest income, we have opened centralized BG cell and centralized forex cell is already operating. We have 159 NRI desk in our different branches. We are going to market all these products which Central Bank of India is having through our -- all the strength, physical presence and marketing team. We have hired 300 marketing officers. They are also being posted now. They have reported and they are getting posting. We have opened customer acquisition centres at 35 places and government business centres also at 9 places. So, through this, we are really coming back into the market with all the structural changes, capability building, process simplification and technological upgradation, we are actually really foreseeing good growth and good profitability in coming years. Thank you. Now I am open for questions. Page 3 of 11 C [Showing first 8,000 characters — download PDF for full document]