Central Bank of India — PPTs, 07-05-2026: Investor Presentation

**Business Performance:** Central Bank of India delivered a robust performance, having successfully exited the PCA framework. For FY26, the bank reported a Net Profit of ₹4,369 Cr, up 15.43% YoY, and an Operating Profit of ₹8,479 Cr. Total Business grew 15.60% YoY to ₹812,439 Cr, propelled by an 18.76% increase in Gross Advances to ₹344,516 Cr. Deposits rose 13.38% to ₹467,923 Cr, backed by a strong 47.30% CASA ratio. Asset quality significantly improved, with Gross NPA at 2.67% and Net NPA at 0.49%. The bank maintains consistent profitability and a healthy CRAR of 17.91%.

**Growth Drivers & Strategy:** The bank is rapidly advancing its digital capabilities with "Cent NEO" and a Digital Lending Platform (DLP) offering 37 live journeys, demonstrating a strong tech adoption focus. Strategic priorities include building a granular CASA book, enhancing fee income, and optimizing its cost-to-income ratio. Expansion in MSME and Agriculture credit is driven by targeted cluster-based lending and strategic partnerships.

**Recent Developments:** Key digital initiatives include DKYC, VKYC, Virtual Debit Cards, and the Cent e-T₹ade portal. Digital transactions now account for 90.54% of all transactions, with DLP outstanding reaching ₹6,679.91 Cr. The bank launched new deposit products and established 115 'Pink Branches' managed by women. Environment, Social, and Governance (ESG) efforts saw ₹2,751.44 Cr financed for renewable energy and ₹350.26 Cr invested in Green Bonds.