Presentation on Financial Results of the Bank for the Second Quarter and Half Year ended 30th September, 2026

कें द्रीय कायाालय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:183 Date: 17th October, 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 Second Quarter and Half year ended 30th September, 2026. Pursuant to Regulation 30 of SEBI (LODR) Regulation, 2015, we enclose herewith copy of Presentation on Financial Results of the Bank for the Second Quarter and Half year ended 30th September, 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 & Half Year ended 30th Sep’2026 Visit us at www.centralbank.bank.in Customer Service Aspirational and Role in Nation Building Employee Well-Being 1 FY 2026-27 (Q2) Analyst Presentation C A R E Excellence Sustainable Growth & Viksit Bharat Including Families MACRO ECONOMIC INDICATORS (1/2) IMF World Economic Outlook Growth Projections Economic Outlook & Projections 2025 2026 2027 ❑ As per latest assessment of International Monetary Fund (IMF) released World Economy 3.50 3.10 3.40 on 13th October 2026, global growth is projected to decelerate from Advanced Economies 2.00 2.10 1.80 3.5% in 2025 to 3.1% in 2026 before recovering to 3.4% in 2027. US 2.30 2.30 2.30 ❑ The global economic outlook is weighed down by higher energy costs and financial instability. The conflict in West Asia pushed Brent crude Euro Area 1.20 1.10 1.20 prices from around $70 per barrel to more than $110 in the weeks after Japan 1.20 0.70 0.70 its outbreak, putting additional pressure on energy-import-dependent United Kingdom 1.20 1.30 1.20 developing economies and poorer households. Emerging Market & Developing Economies 4.50 3.70 4.40 ❑ Acceleration of inflation in key economies has prompted a shift towards China 5.00 4.50 4.00 hawkish monetary policy. Indian economy is well placed to absorb India 7.80 7.00 7.00 disruptions from the imposition of American tariffs, as expanding free trade partnerships aid the discovery of new markets, foreign direct Russia 1.00 0.90 0.90 investment and productivity gains. ❑ Global headline inflation is projected to rise to 4.7% in 2026, reflecting primarily higher commodity prices, and to fall back to 4.1% in 2027; the INFLATION (YEAR-ON-YEAR GROWTH) pass through to core inflation is expected to be limited. 11.39 11.41 ❑ India remains among the fastest-growing major economies, with growth 9.78 9.92 9.57 9.81 in 2026 projected at 7%. This reflects stronger-than-expected momentum, supported by resilient domestic demand and robust 7.74 services activity. 5.97 5.54 5.52 ❑ Retail inflation growth reached 5.54% in September 2026, and the major 4.83 4.45 component of this increase in highest food inflation since dec 2024 at 7.74%. This indicates further raises possibility of monetary tightening in coming months which may impact domestic household investment and consumption demand. ❑ The similar trend is observed in rising WPI numbers at 11.39% in Consumer Price Index Consumer Food Price Wholesale Price Index Output Producer Price September, elevated due to higher fuel and food cost (uptick in Index Index vegetable prices due to uneven monsoon. Jul-26 Aug-26 Sep-26 Customer Service Aspirational and Role in Nation Building Employee Well-Being 2 FY 2026-27 (Q2) Analyst Presentation C A R E Excellence Sustainable Growth & Viksit Bharat Including Families MACRO ECONOMIC INDICATORS (2/2) FOREIGN INVESTMENT TRENDS (US$ BILLION) Economic Outlook & Projections 10.7 5.2 4.5 ❑ Foreign institutional investors’ holdings in Indian equities have grown 3.6 times since 2012 to around $783 billion, even as their share of the market has -0.2 fallen to a 17-year low of 15.1%. The decline in foreign ownership share -0.3 reflects the faster growth of domestic participation, including retail investors, -5.1 rather than simply a reduction in foreign holdings. Domestic equity -5.7 participation in India remains below developed-market levels, suggesting -13.5 -9.6 there could be room for further growth in domestic flows. Q1:2025-26 Q2:2025-26 Q3:2025-26 Q4:2025-26 Q1:2026-27 Q2:2026-27 ❑ During H1:2026-27, money market rates softened and remained mostly range bound amid large surplus liquidity conditioned by robust capital inflows, Net FDI (Foreign Direct Investment) especially from FCNR(B) deposits under the Reserve Bank’s swap facility announced in June 2026, which attracted $143 billion. However, owing to rise Net FPI (Foreign Portfolio Investment) in inflation and deteriorating global environment, central bank has also tightened liquidity through OMO (open market operations) sales of G-secs, VRRR auctions and stricter daily CRR maintenance, following its recent shift to Data on Sectoral Deployment of Credit (Year-on-Year Growth,%) a tightening stance and the start of a rate-hike cycle by increasing repo rate Apr-26 May-26 Jun-26 Jul-26 Aug-26 from 5.25% to 5.5% in October MPC. Gross Bank Credit 16.00 17.60 18.60 19.30 19.10 ❑ On a year-on-year (y-o-y) basis, non-food bank credit grew by 18.8% as on the fortnight ended August 31, 2026, compared to 10.2% during the Non-food Credit 15.80 17.40 18.30 19.10 18.80 corresponding fortnight of the previous year (September 5, 2025). Agriculture & allied Activities 13.70 14.90 16.80 170 17.20 ❑ Credit to agriculture and allied activities registered a y-o-y growth of 17.2% vis-a-vis 7.6% in the corresponding fortnight of the previous year. Credit to Industry 15.10 17.50 19.20 20.00 18.20 services sector registered a y-o-y growth of 24.3% (10.3% in the Services 18.60 20.40 21.40 22.90 24.30 corresponding fortnight of the previous year). ❑ Credit to personal loans segment recorded a y-o-y growth of 16.9%, as Housing Loans 11.40 10.90 15.80 16.20 16.90 compared with 11.9% a year ago. Segments such as ‘housing’ and ‘vehicle Vehicle Loans 18.00 17.30 17.30 18.80 19.70 loans’ sustained double-digit growth, indicating steady demand. Growth then slowed quickly, from about 121% in April 2026 to 83.2% in August 2026, Renewable Energy 15.60 17.50 20.20 31.70 26.00 partly because of base effects and a possible cooling in gold prices or tighter regulatory norms on gold lending. Gold Loans 121.20 105.50 93.80 88.10 83.20 Customer Service Aspirational and Role in Nation Building Employee Well-Being 3 FY 2026-27 (Q2) Analyst Presentation C A R E 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 Customer Service Aspirational and Role in Nation Building Employee Well-Being 4 FY 2026-27 (Q2) Analyst Presentation C A R E Excellence Sustainable Growth & Viksit Bharat Including Families STRENGTHS Strong Rural + Semi Pan India Presence Urban Presence 22215 Active 65% with with of Customer Customer Touch Total Branches in Base Points out of which RUSU Centers 8.42 Crore is in RUSU Centers Strong Brand Best CASA base Dedicated Image with Legacy @44.65% of Staff Strength Of 114+ of Years Total Deposits 35195 Customer Service Aspirational and Role in Nation Building Employee Well-Being 5 FY 2026-27 (Q2) Analyst Presentation C A R E Excellence Sustainable Growth & Viksit Bharat Including Families Performance Investments 07 34 Highlights Financial Digital Journey 11 [Showing first 8,000 characters — download PDF for full document]