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

7.6%

2026 and subsequently decrease to 3.7 percent in 2027. ❑ India’s Second Advance Estimate suggested 7.6% growth in 2025-26 compared to 7.1% in 2024-25. Resilient private consumption, a recovery in priva

7.1%

7 percent in 2027. ❑ India’s Second Advance Estimate suggested 7.6% growth in 2025-26 compared to 7.1% in 2024-25. Resilient private consumption, a recovery in private investment and solid exports, fin

6.5%

wer tariffs have been key drivers for growth. IMF projected India’s growth to be slower in 2026 at 6.5% compared to 7.6% in 2025 as per the Second Advance Estimate. ❑ India’s CPI inflation increased to

3.4%

compared to 7.6% in 2025 as per the Second Advance Estimate. ❑ India’s CPI inflation increased to 3.4% in March’26 and WPI climbed to a 3-month high of 3.9% in the same month. Core CPI has remained co

3.9%

imate. ❑ India’s CPI inflation increased to 3.4% in March’26 and WPI climbed to a 3-month high of 3.9% in the same month. Core CPI has remained constant despite high rise in prices of precious metals.

0.9%

exports and imports saw a synchronized dip during March 2026. India’s CAD is expected to widen to 0.9% of GDP in FY2025, reflecting a combination of tariff-related issues and spikes in gold prices. i

0.6%

2025, reflecting a combination of tariff-related issues and spikes in gold prices. in FY2026 from 0.6% ❑ Financial sector continued to remain healthy as evident from the improvement in asset quality

1.89%

t quality of SCBs and NBFCs. Ratio of non- performing loans of SCBs improved further (GNPA ratio at 1.89% in December 2025 vis-à-vis 2.42% in December 2024.) ❑ Overall credit growth in the banking system

2.42%

of non- performing loans of SCBs improved further (GNPA ratio at 1.89% in December 2025 vis-à-vis 2.42% in December 2024.) ❑ Overall credit growth in the banking system has picked up in recent months i

65%

ENGTHS Strong Brand Image with Legacy of 114+ Years Strong Rural + Semi Urban Presence with 65% Branches in RUSU Centers of Total Best CASA base @47.30% of Total Deposits Dedicated Staff

47.30%

rong Rural + Semi Urban Presence with 65% Branches in RUSU Centers of Total Best CASA base @47.30% of Total Deposits Dedicated Staff Strength Of 33997 Pan India Presence with 22129 Customer

Less

1

Stakeholder Advantage

1

The upgraded systems are designed to

1

Key Features

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 11340 2975 520 3495 660 1545 179 3160 66 5610 9225 3.18 9225 839 150 989 339 372 33 810 22 1576 8638 3.13 8638 733 64 797 244 313 37 1 13 608 8827 3.01 8827 658 52 710 144 262 63 336 6 811 8726 2.70 8726 1301 84 1385 154 307 151 288 26 926 9185 2.67 9225 2968 299 3267 443 1120 283 1435 26 3307 9185 2.67 23 SECTOR-WISE NPA CLASSIFICATION NPA Classification: Sector-Wise Particulars GNPA Mar’25 Dec’25 Mar’26 Advances (Mar'26) GNPA% TOTAL NNPA ₹ in Cr NNPA% Recovery in Written Off Accounts (Q-o-Q) 1026 Total NPA 9225 8726 9185 344516 2.67 1666 0.49 Retail 1000 968 986 103533 Agriculture & Allied 3660 3384 3645 MSME 3185 3431 3713 61687 69351 Corporate & Others 1380 943 841 109945 0.95 5.91 5.35 0.76 141 874 599 52 0.14 1.48 0.90 0.05 NPA Classification: Retail Sector Particulars GNPA Mar’25 Dec’25 Mar’26 Advances (Mar'26) GNPA% TOTAL NNPA NNPA% Tot

Stakeholder Advantage

• Seamless on boarding segments. • Accelerates deposit growth. for diverse customer Share of digital adoption increased to 67.32% as on March 2026 as compared to 0.01% as on April 2025. ▪ Online statement fetch from CBS for running CC/OD account ▪ GST based turnover assessment ▪ One click solution for RAC to renew ▪ Automated Credit summation analysis account. ➢ Mudra Homestay ▪ Real time CIC and Go/No go decision ▪ Geo tagging enabled inspection ▪ Auto generation Application documents ▪ One click account opening at RAC ▪ Automatic generation of CGPAN while and loan account creation. ➢ CKCC Allied Activities (Dairy, Poultry, Fishery & Ruminant) and Non-Subvention options ▪ Pre-filled Loan Application, Process Note, ▪ Subvention available ▪ Easy and hassle-free processing ▪ Real-time bureau check ▪ Field Inspection with geo-tagging facility Sanction Letter, etc. ▪ Documentation through E-Sign and E-Stamp facility ▪ One-click Account Opening at RAC. 44 DIGITAL INITIATIVES (2/2) ATM Switc

The upgraded systems are designed to

I. ATM Currency Denomination Availability: Smart ATM feature prompts customers to re-enter withdrawal amounts in available denominations. It reduces transaction failures, improves satisfaction, optimizes ATM usage. II. Handle more transactions smoothly, even during peak usage hours/days. III. Enhance monitoring of ATM to ensure higher uptime, availability of cash and Internet Banking -Multiple Nomination Facility The multiple nomination functionality has been introduced to enable customers to register more than one nominee with defined percentage allocation. This enhancement will improve customer convenience and ensure smoother claim settlements by allowing multiple nominees in a single accounts.

Key Features

I. Customer can nominate maximum 4 different nominees either Simultaneously (% Percentage Allocation ) or Successively (at a time 100% allocation). For Simultaneously option to define percentage share for each nominee is provided and for successively hierarchical next in line only if the previous passes away. II. services 24 X 7 X 365. III. Easy add / modify / enquiry /delete functionality. 45 FINANCIAL INCLUSION No. of Accounts (in Lakhs) Balance Outstanding (₹ in Cr) P M J D Y 194.34 195.55 192.88 8093.76 7869.13 8330.09 8484.89 9222.59 189.67 186.88 MA R'2 5 JUN'2 5 SE P'2 5 DEC'2 5 MA R'2 6 MA R'2 5 JUN'2 5 SE P'2 5 DEC'2 5 MA R'2 6 PMJJBY 32.26 27.49 29.74 PMSBY APY 112.20 116.87 30.71 31.81 104.46 27.06 MA R'2 5 DEC'2 5 MA R'2 6 MA R'2 5 DEC'2 5 MA R'2 6 MA R'2 5 DEC'2 5 MA R'2 6 No. of Enrollments (in Lakhs) 46 S O C I A L S E C U R I T Y S C H E M E CENTRAL BANK OF INDIA - GROUP Subsidiaries Shareholding Particulars Mar’25 (F.Y.) Mar’26 (F.Y.) ₹ in Cr Cent Bank Home Finance Ltd