Central Bank of India — PPTs, 28-04-2025: Investor Presentation

**Financial Highlights:**

In FY 2024-25, Central Bank of India reported total business growth of ₹702,798 Cr (up 10.37% YoY) and net profit of ₹3,785 Cr (up 48.49% YoY). Gross advances increased by 15.24% to ₹290,101 Cr, while gross NPA declined to 3.18%. The net profit margin strengthened, resulting in ROE of 12.48% and ROA of 0.86%.

**Strategic Initiatives & Growth Drivers:**

The bank aims for 14-15% advances growth in FY 2025-26, focusing on retail lending, agriculture, and MSME sectors while enhancing its digital services.

**Business Developments:**

Central Bank established 90 all-women branches to promote gender diversity and launched a digital lending platform enhancing loan accessibility. The bank also executed key partnerships for expanding its service offerings.

**Market Position & Competitive Advantage:**

With a strong CASA ratio of 48.91%, the bank leverages a wide-reaching branch network, with 65% of branches in rural and semi-urban areas, reinforcing its competitive edge in retail banking.

**Investor Implications:**

Central Bank shows positive growth potential through strategic focus on retail advances, diversification in offerings, and a robust balance sheet. However, ongoing monitoring of execution risk is advised.