Central Bank of India — PPTs, 17-10-2025: Investor Presentation

Central Bank of India delivered strong financial results for the quarter and half-year.

**1. Business Performance:** Net Profit surged 32.86% YoY to ₹1,213 Cr for the quarter. Total Business grew 14.43% YoY to ₹7,37,938 Cr, fueled by a 16.03% rise in Gross Advances to ₹2,93,488 Cr. Growth was balanced across Retail (18.11%), Corporate (18.10%), and RAM sectors. Total Deposits increased 13.40% YoY to ₹4,44,450 Cr, although CASA share saw a slight decline. Asset quality significantly improved, with Gross NPA at 3.01% (down 158 bps YoY) and Net NPA at 0.48% (down 21 bps YoY).

**2. Growth Drivers or Strategy:** The bank is heavily investing in digital transformation, with 88.29% of transactions now digital. Key focus areas include leveraging its Digital Lending Platform (DLP) for various loan products, enhancing customer experience, and streamlining internal operations through advanced management systems.

**3. Recent Developments:** Recent initiatives include expanding digital loan offerings, promoting financial inclusion via social security schemes, and launching ESG-focused schemes like Cent Solar Vendor and Cent e-Vehicle. The bank also surpassed all mandated priority sector lending targets.

**4. Key Financial Metrics:** Quarterly Return on Assets (ROA) reached 1.01% and Return on Equity (ROE) 14.22%. Credit Cost improved to 0.21% and Slippage Ratio to 0.30%, highlighting better credit health.

**5. Management Commentary / Outlook:** The bank met or exceeded most of its FY25-26 performance goals, including robust growth in Business, Deposits, and Advances. While Net Interest Margin (NIM) and Cost-to-Income ratio faced some pressure, the strong asset quality improvements and profitability indicate a positive outlook.