Central Bank of India

rs,

00 051 Scrip Code-CENTRALBK BSE Limited Corporate Relationship Dept., Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai-400 001 Scrip Code-532 885 Dear Sir/Madam, Sub: Presentation on Fin

3.3%

ctions  IMF revised down its world growth outlook from the January release for the year 2025 from 3.3% to 2.8% and for 2026 from 3.3% to 3% attributable to downward risks and elevated trade policy uncer

2.8%

 IMF revised down its world growth outlook from the January release for the year 2025 from 3.3% to 2.8% and for 2026 from 3.3% to 3% attributable to downward risks and elevated trade policy uncertainty.

3%

owth outlook from the January release for the year 2025 from 3.3% to 2.8% and for 2026 from 3.3% to 3% attributable to downward risks and elevated trade policy uncertainty.  Given the fluidity of the

6.5%

on Indian economy, hence its growth outlook has also been revised down from January projections of 6.5% in 2025 and 2026 to 6.2% and 6.3% respectively. Indian Economy is expected to grow by 6.5% in 2024-

6.2%

its growth outlook has also been revised down from January projections of 6.5% in 2025 and 2026 to 6.2% and 6.3% respectively. Indian Economy is expected to grow by 6.5% in 2024-25 as per Second Advance

6.3%

th outlook has also been revised down from January projections of 6.5% in 2025 and 2026 to 6.2% and 6.3% respectively. Indian Economy is expected to grow by 6.5% in 2024-25 as per Second Advance Estimates

4.3%

er Second Advance Estimates released by NSO.  Global headline inflation is expected to decline to 4.3% in 2025 and 3.6% in 2026, with upward revisions for advanced economies and slight upward revisions

3.6%

Estimates released by NSO.  Global headline inflation is expected to decline to 4.3% in 2025 and 3.6% in 2026, with upward revisions for advanced economies and slight upward revisions for emerging mark

2.9%

signaling further rate cut by RBI.  Industrial production grew at its slowest rate in 6 months at 2.9% in February 2025. While the cumulative growth at 4.08% in 2024-25, is lower than 5.95% in 2023-24.

4.08%

ction grew at its slowest rate in 6 months at 2.9% in February 2025. While the cumulative growth at 4.08% in 2024-25, is lower than 5.95% in 2023-24.  In 2024-25, merchandise trade deficit expanded by

5.95%

n 6 months at 2.9% in February 2025. While the cumulative growth at 4.08% in 2024-25, is lower than 5.95% in 2023-24.  In 2024-25, merchandise trade deficit expanded by 17.28% after contracting 8.9% in

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Up-gradation Recovery Regular Write-off Technical Write-off Other Recovery by Adjustment Sub-Total Gross NPAs % of Gross NPAs to Gross Advances 18386 4662 462 5124 459 1702 152 9849 8 12170 11340 4.50 11340 11388 11604 650 159 809 302 431 28 - - 761 11388 4.54 766 147 913 265 390 42 - - 697 11604 4.59 800 133 933 295 399 71 1211 101 2077 10460 3.86 10460 1366 88 1454 238 464 38 1949 - 2689 9225 3.18 11340 2975 520 3495 660 1545 179 3160 66 5610 9225 3.18 FY 24-25 Analyst Presentation 21 SECTOR-WISE NPA CLASSIFICATION NPA Classification: Sector-Wise Particulars Mar'24 Jun'24 Sep'24 Dec'24 Mar’25 ₹ in Cr Advances (Mar'25) TOTAL NNPA NNPA % TOTAL NNPA NNPA % Mar'25 Total NPA 11340 11388 11604 10460 9225 290101 1543 0.55 Retail 867 925 917 858 1000 82383 69 0.08 Agriculture & Allied 3322 3287 3327 3283 3660 52456 895 1.80 MSME 3008 3054 3143 2943 3185 59243 544 0.96 5 9 8 4 4 5 0 8 1 . 6 9 0 . 9 6 5 3 8 0 0 . 4 0 0 . Corporate & Others 4143 4122 4217 3376 1380 96019 35 0.04 R e t a i l A g

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Personalized Customize coverage options to fit your unique needs and budget Cent Pay(UPI), m- Passbook, other Banking services like Cheque, SI mandates etc multiple / Order Lumpsum investments in a single go SIPs Enjoy hassle-free payments and instant cashback offers Hassle-free and paperless management claims process FY 24-25 Analyst Presentation 43 DIGITAL INITIATIVES Digital Lending Platform (DLP) Complaint Management System (CMS) Lead Management System (LMS) Collection Management  Unified platform for Complaints received over multiple channels.  Proactive monitoring of complaints for timely and effective resolution.  Real-Time Dashboards for real time insights, enabling proactive measures TAT prevent to breach/escalation scenarios  Automatic routing to the relevant stakeholders for action.  Notifications at various stages of the resolution for information to customers.  The Digital Lending Platform currently offers convenient and seamless online loan journeys via STP (Straigh