Transcript of Bank''s Conference/Earnings call held on 19th October, 2026.

कें द्रीय कायाालय INVESTORS RELATION DIVISION Central Office CO:IRD:2026:27:193 Date: 23rd 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: Transcript of Bank's Conference/Earnings call held on 19th October, 2026. We enclosed herewith the transcript of Conference/Earnings call hosted by Bank with the Analysts/Institutional Investors on 19th October, 2026 on Financial Results of the Bank for the Second Quarter and Half Year ended 30th September, 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 Q2 FY2027 Earnings call” October 19, 2026 Management: Shri Kalyan Kumar – Managing Director & 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 Siddharth Rajpurohit - Systematix Institutional Equities Page 1 of 15 Central Bank of India October 19, 2026 Moderator: Ladies and gentlemen, good day and welcome to Central Bank of India Earnings Call for Q2 FY2027 financial results. Please note all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Please note that this conference is being recorded. With that, I hand over the call to Mr. Siddharth Rajpurohit from Systematix Institutional Equities. Thank you and over to you. Siddharth Rajpurohit: Thank you Swapnil. Good morning everyone and welcome to Central Bank of India’s Q2 FY2027 post results earnings call. From the management today we have 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. I thank the management for giving us the opportunity and also congratulate the team for a very strong result. I am handing over now the call to MD, Shri Kalyan Kumar, for his opening remarks. Thank you. Kalyan Kumar: Thank you. My colleagues on the Board, Shri Murali Krishna Ji, Shri Dohare Ji, Shri Ratan Kumar Ji, my senior team present here, and all the analysts connected through VC. Good morning. First of all, I congratulate each one of you for this good Q2 2027 result. Your beloved bank, Central Bank of India’s total business has been actually grown by 20.54% to Rs.8,89,541 Crores and total domestic deposits increased by 14.41% to Rs.5,08,509 Crores. CASA deposit also stands at 44.65% of total deposits. Global advances increased by 29.83% to Rs.3,81,032 Crores, in which domestic advances stood at Rs.3,72,939 Crores, growth of 27% year-on-year. We have opened GIFT City Branch on June 29, 2026, which contributed in overseas advance of Rs.8093 Crores and in this process we have given guidance for business growth 14% to 15% and we have achieved 20.54%, in deposit growth our guidance was 10% to 12% and we have achieved 14.41%, in advances growth our guidance was 14% to 16% and we have achieved 29.83%. CASA guidance was 48% plus or minus 1%. Here, due to obvious reason, due to FCNR(B) mobilization and other aspects, we could not meet the market guidance, and we closed at 44.65%, but towards RAM sector, Retail, Agriculture and MSME, as you know, Central Bank of India is having its 65% branches in rural and semi- urban area. The RAM being our bread and butter for the organization, in which business grew by 21.11%. The individual sector-wise growth is also very good. In retail we reached to Rs.1,12,299 Crores with a growth of 24.49% year-on-year. In agriculture we reached to Rs.67,778 Crores with a growth of 19.92% and in MSME we reached to Rs.74,196 Crores, with a growth of 17.36% year-on-year basis. Actually, our guidance to market was RAM-to- corporate credit ratio 65:35 plus or minus 5% and we have closed at 68:32 and that ratio actually also aligns with our market guidance which we have given. Towards our efficiency side also, business per employee has improved to Rs.25.26 Crores on year-on-year basis as against Rs.21.48 Crores for the quarter ended September 2025. In Page 2 of 15 Central Bank of India October 19, 2026 profitability, year-on-year basis for September 2026 quarter, net profit for the quarter has increased by 21% to Rs.1469 Crores up from Rs.1213 Crores previous year. Operating profit for the quarter stood at Rs.2268 Crores from Rs.1786 Crores with a growth of 27%. Net interest income grew by 26.28% on year-on-year basis to Rs.4146 Crores in Q2 FY2027 as against Rs.3283 Crores in Q2 FY2026. Total income for Q2 FY2027 improved by approximately 15% and reached to Rs.11,737 Crores for Q2 FY2027. Cost-to-income ratio, though there is improvement but still it is on higher side it is 58.95% for Q2 FY2027 as against 62.42% Q2 FY2026. Cost-to-income ratio, we have given guidance for less than 56%, but here we could not match the guidance and closed at 58.95%. Major highlight, I would like to make that apart from stock cost that is 37.65%, there was 113-basis point improvement in other operating expenses year-on-year basis. Then as quarter-on-quarter also, it will give you comfort that quarter-on-quarter basis also, net profit grew by 11%, Rs.145 Crores in absolute terms to Rs.1469 Crores. Operating profit grew by 3.75% i.e. Rs.82 Crores in absolute terms to Rs.2268 Crores, net interest income grew by approximately 6% Rs.232 Crores in absolute terms to Rs.4146 Crores, interest income grew by approximately 7% Rs.666 Crores in absolute terms to Rs.10,357 Crores, ROA improved by 3-basis points and stood at 1.03%. Here I would like to mention NIM, we have given guidance of above 3% and we have maintained at 3.01% and slippage ratio we have given guidance of less than 0.25% and it is 0.24%. Then regarding asset quality also our gross NPA stood at 2.39% that is also aligned with our guidance given to the market that it will be below 2.50%. Net NPA stood at 0.31%, also there is an improvement of 17-basis points and that is also in alliance with our guidance to the market. Provision coverage ratio stood at 97.16% and regarding slippage ratio, as I told, for the quarter, it is 1.24%, and it is well within our guidance of 1.25% on quarter-on-quarter basis. In that way, I can tell you on almost all the parameters of efficiency except cost-to- income ratio, business-per-branch, and CD ratio, Bank is on track. I will highlight that liquidity coverage ratio improved to 156% and overall improvement in almost all the efficiency parameters and business numbers. Now, I really thank all our stakeholders, including our customers, regulators, governments, and all you beloved shareholders and stakeholders of this great organization, Central Bank of India. This was my initial remark, I conclude here. Now I am open to the questions. Moderator: Thank you so much Sir. Ladies and gentlemen, we will now begin with the question-and- answer session. Anyone who wishes to ask a question may click on the raise hand icon from the participants tab on your screen. We will wait for a few minutes until the question queue assembles. We are taking our first question now. We have Mr. Ashok Ajmera of Ajcon Global. Mr. Aj [Showing first 8,000 characters — download PDF for full document]