Central Bank of India — PPTs, 19-07-2025: Investor Presentation

**1. Financial Highlights:**

Net Profit surged 32.84% year-on-year to ₹1,169 Cr, with Operating Profit growing 15.60% to ₹2,304 Cr. Asset quality improved significantly: Gross NPA at 3.13% and Net NPA at 0.49%. Return on Assets crossed 1.02% and Return on Equity reached 14.17%. Total business grew 10.84% to ₹704,485 Cr, driven by 11.41% deposit growth and 9.97% gross advances growth. RAM (Retail, Agri, MSME) advances grew strongly at 15.71%. Net Interest Margin (NIM) contracted to 3.16%.

**2. Strategic Initiatives & Growth Drivers:**

The bank emphasizes digital transformation with a Digital Lending Platform and centralized management systems for complaints and leads. It's also committed to ESG principles, including financing green projects and launching social initiatives for women and employees. The bank exceeded all mandated priority sector lending norms.

**3. Business Developments:**

The bank expanded its presence by acquiring significant stakes in Generali Group's life and non-life insurance businesses. It also inaugurated an innovative AI-Based Automated Pawn Machine for gold loan disbursement.

**4. Market Position & Competitive Advantage:**

Leveraging its 113+ year legacy and extensive pan-India branch network with strong rural/semi-urban presence, the bank maintains a robust CASA base at 46.88%. Majority government ownership provides stability.

**5. Investor Implications:**

The impressive profit growth and improved asset quality signal positive growth potential. Digital and ESG initiatives could enhance long-term value. However, investors should monitor NIM contraction and note that advances growth is currently below the fiscal year's guidance.