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

7.4%

.  The real economic growth is expected to face moderation in June quarter of 2025-26 compared to 7.4% recorded in March quarter 2024-25, as projected by RBI MPC.  Retail inflation moderated to 2.1% i

2.1%

o 7.4% recorded in March quarter 2024-25, as projected by RBI MPC.  Retail inflation moderated to 2.1% in June 2025, lowest since January 2019, wholesale inflation returned to negative territory for the

3.7%

s and base effect. It is expected that inflation will remain muted and below the RBI expectation of 3.7% in 2025-26. FY 25-26 (Q1) Analyst Presentation 2 MACRO ECONOMIC INDICATORS (2/2) Potential Risk

20.16%

term potential risks to financial stability for 2025-26.  Bank loan growth declined sharply from 20.16% to 11.03% during 2024-25 primarily due to moderation in lending to agri, retail and services sector

11.03%

ntial risks to financial stability for 2025-26.  Bank loan growth declined sharply from 20.16% to 11.03% during 2024-25 primarily due to moderation in lending to agri, retail and services sector. Growth i

36.54%

o moderation in lending to agri, retail and services sector. Growth in housing loans moderated from 36.54% to 10.73% during 2024-25.  The 100 bps cut in Cash Reserve Ratio (CRR) is liquidity to the tune o

10.73%

on in lending to agri, retail and services sector. Growth in housing loans moderated from 36.54% to 10.73% during 2024-25.  The 100 bps cut in Cash Reserve Ratio (CRR) is liquidity to the tune of expected

100 bps

and services sector. Growth in housing loans moderated from 36.54% to 10.73% during 2024-25.  The 100 bps cut in Cash Reserve Ratio (CRR) is liquidity to the tune of expected to infuse additional ₹2.5 lak

₹2.5 lakh crore

100 bps cut in Cash Reserve Ratio (CRR) is liquidity to the tune of expected to infuse additional ₹2.5 lakh crores into banking system making it easier to disburse loans.  The decline of repo rate from 6.5% to 5

6.5%

akh crores into banking system making it easier to disburse loans.  The decline of repo rate from 6.5% to 5.5% is likely to see turnaround credit growth from September quarter as impact of policy rate c

5.5%

es into banking system making it easier to disburse loans.  The decline of repo rate from 6.5% to 5.5% is likely to see turnaround credit growth from September quarter as impact of policy rate cuts is t

“will be provided to lady employees proceeding for maternity as well as their spouse, caregiver & manager.”

Less

1

Coverage

1

Less

Up-gradation Recovery Regular Write-off Technical Write-off Other Recovery by Adjustment Sub-Total Gross NPAs % of Gross NPAs to Gross Advances 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 9225 839 151 990 340 372 33 810 22 1577 8638 3.13 FY 25-26 (Q1) Analyst Presentation 22 NPA CLASSIFICATION & RECOVERY IN WRITTEN OFF ACCOUNTS NPA Classification: Sector-Wise Particulars GNPA Jun'24 Mar’25 Jun’25 Advances (Jun'25) GNPA% TOTAL NNPA ₹ in Cr NNPA% Total NPA 11388 9225 8638 275595 3.13 1308 0.49 Recovery in Written Off Accounts (Q-o-Q) 560.00 549.00 613.00 396.00 Retail 925 1000 920 85156 1.08 62 0.07 Agriculture & Allied 3287 3660 3344 53057 6.30 844 1.67 211.00 MSME 3054 3185 3100 60416 5.13 380 0.66 Corporate & Others 4122 1380 1274 76966 1.65 22 0.03 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 NPA Clas

Coverage

Personalized Customize coverage options to fit your unique needs and budget Smart calculators, fund fact sheets, and asset allocation models for smarter decision- making Enjoy hassle-free payments and instant cashback offers Hassle-free and paperless management claims process FY 25-26 (Q1) Analyst Presentation 45 DIGITAL INITIATIVES Digital Lending Platform (DLP) Complaint Management System (CMS) Lead Management System (LMS) Collection Management  The Digital Lending Platform currently offers convenient and seamless online loan journeys via STP (Straight Through Processing) and assisted modes integrated various APIs like Bank with analysis, ITR, GST Statement Returns, with etc. CERSAI minimum manual intervention for  Pre-Approved Personal Loan (PAPL)  Retail Gold Loan  Agri Gold Loan  Home Loan  Vehicle Loan  CKCC – Fresh  CKCC - Renewal  Mudra Loan – Shishu, Kishore & Tarun  Cent Saral  Self Help Group (Fresh)  Unified platform for Complaints received over multiple channel