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

7.8%

tainty, geopolitical risks and financial market volatility.  Indian Economy expanded at a rate of 7.8% during Q1 of 2025-26, highest in the last 5 quarters and better than RBI’s projection.  India’s f

2.6%

balance. inflation while impact on  Headline retail inflation for 2025-26 is projected to be @2.6%, lowest since 2012-13. Moderation in inflation can be linked to favorable base effect and falling f

8.39%

dergoing a structural shift with household assets held in bank deposits growing at a slower rate of 8.39% in 2024-25 instruments such as financial compared to other mutual funds (21.90%), pension funds (23

21.90%

at a slower rate of 8.39% in 2024-25 instruments such as financial compared to other mutual funds (21.90%), pension funds (23.10%). Household assets increased by 10.12% and stood at 106.64% of GDP.  Hous

23.10%

9% in 2024-25 instruments such as financial compared to other mutual funds (21.90%), pension funds (23.10%). Household assets increased by 10.12% and stood at 106.64% of GDP.  Household debt increased by

10.12%

cial compared to other mutual funds (21.90%), pension funds (23.10%). Household assets increased by 10.12% and stood at 106.64% of GDP.  Household debt increased by 12.95%, lower compared to 18.39% in pre

106.64%

er mutual funds (21.90%), pension funds (23.10%). Household assets increased by 10.12% and stood at 106.64% of GDP.  Household debt increased by 12.95%, lower compared to 18.39% in preceding FY, but its va

12.95%

). Household assets increased by 10.12% and stood at 106.64% of GDP.  Household debt increased by 12.95%, lower compared to 18.39% in preceding FY, but its value as percentage of GDP increased to 41.32% h

18.39%

sed by 10.12% and stood at 106.64% of GDP.  Household debt increased by 12.95%, lower compared to 18.39% in preceding FY, but its value as percentage of GDP increased to 41.32% highest since 2018-19.  Ba

41.32%

y 12.95%, lower compared to 18.39% in preceding FY, but its value as percentage of GDP increased to 41.32% highest since 2018-19.  Bank credit growth in Q1 of 2025-26 at 9.49% was the lowest since March 20

9.49%

rcentage of GDP increased to 41.32% highest since 2018-19.  Bank credit growth in Q1 of 2025-26 at 9.49% was the lowest since March 2022. Moderation in bank credit to agriculture, steeper compared to pers

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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 766 147 913 265 390 (-) 42 - - 697 11604 4.59 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 8638 733 64 797 244 313 37 1 13 608 8827 3.01 9225 1384 183 1567 427 621 70 811 36 1965 8827 3.01 FY 25-26 (Q2) Analyst Presentation 21 NPA CLASSIFICATION & RECOVERY IN WRITTEN OFF ACCOUNTS NPA Classification: Sector-Wise ₹ in Cr Particulars GNPA Sep'24 Jun’25 Sep’25 Advances (Sep'25) GNPA % TOTAL NNPA NNPA % Total NPA 11604 8638 8827 293488 3.01 1364 0.48 Retail 917 920 944 90204 1.05 49 0.05 Agriculture & Allied 3327 3344 3378 56521 5.98 761 1.41 MSME 3143 3100 3226 63223 5.10 500 0.83 Recovery in Written Off Accounts (Q-o-Q) 560.00 549.00 613.00 396.00 280.00 Corporate & Others 4217 1274 1279 83540 1.53 54 0.07 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 NPA Classification: Retail Sector GNPA Sep'24 J

Coverage

 Personalized Customize coverage options to fit unique needs and budget  Enjoy hassle-free payments and instant cashback offers  Hassle-free claims process and paperless management FY 25-26 (Q2) Analyst Presentation 43 LEVERAGING TECHNOLOGY Digital Lending Platform (DLP) STP  The Digital Lending Platform currently offers convenient and seamless online loan journeys Through (Straight via Processing) and assisted modes integrated with various APIs like ITR, Bank Statement analysis, GST CERSAI, Returns, Jansamarth, RBIH-ULI etc. with minimum manual intervention for • Pre-Approved Personal Loan (PAPL) • Home Loan • Vehicle Loan • Gold Loan (Retail & Agri) • CKCC (Fresh & Renewal) • Self Help Group (SHG) (Fresh & Renewal) • Mudra Loan – Shishu, Kishore, Tarun & Tarun Plus • Cent Saral • Cent Business Loan • Cent GST • PM Vishwakarma Complaint Management System (CMS) Lead Management System (LMS) Collection Management Digital Services  Unified platform for complaints received over multip

Services offered over Tabs

 On-boarding of customers and opening (DKYC) with Savings through Integrated Biometric devices. Accounts Tabs  KYC/ Re-KYC using Digital and Video KYC.  Services: Order, activate and stop Cheque, Issue new debit card, Form 115G/H, Digital Loans  Leads: Apply for lockers, Deposit Insurance, request, Apply for loan, Mutual Fund, Govt Schemes  Insurance: PMJJBY, PMSBY, APY

Collection Management

has  Bank established two nationwide collection call centers at Mumbai and Kolkata for PDM,SMA & NPA accounts slipped in current FY follow up including agriculture accounts.  Feet-on-Street (Fos) Functionality with smart app & geo tagging for SMA 1-2 ,SMA 0(Medium & High-risk accounts) and NPA accounts slipped in current FY follow up.  Currently 405 FoS are on the field.  Specialized IVR and SMS, Voice BOT calling functionality for reaching out to all PDM & SMA accounts.  Simplified loan repayments through UPI apps like Cent Pay, BHIM, Gpay, Phonepe, Paytm etc.  Calling started through “1600” series as per TRAI guidelines. FY 25-26 (Q2) Analyst Presentation 44 FINANCIAL INCLUSION S O C I A L S E C U R I T Y S C H E M E No. of Accounts (in Lakhs) Balance Outstanding (₹ in Cr) P M J D Y 192.88 189.67 186.88 7085.69 7371.85 8093.76 7869.13 8330.09 185.27 184.30 S E P ' 2 4 D E C ' 2 4 M A R ' 2 5 J U N ' 2 5 S E P ' 2 5 S E P ' 2 4 D E C ' 2 4 M A R ' 2 5 J U N ' 2 5 S E P ' 2 5 PMJ