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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 1 YEAR OF BUSINESS EXCELLENCE 2026-27 Financial Result Analysis Visit us at www.centralbank.bank.in Quarter & Half Year ended 30th Sep’2026
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 2 ❑ As per latest assessment of International Monetary Fund (IMF) released on 13th October 2026, global growth is projected to decelerate from 3.5% in 2025 to 3.1% in 2026 before recovering to 3.4% in 2027. ❑ The global economic outlook is weighed down by higher energy costs and financial instability. The conflict in West Asia pushed Brent crude prices from around $70 per barrel to more than $110 in the weeks after its outbreak, putting additional pressure on energy-import-dependent developing economies and poorer households. ❑ Acceleration of inflation in key economies has prompted a shift towards hawkish monetary policy. Indian economy is well placed to absorb disruptions from the imposition of American tariffs, as expanding free trade partnerships aid the discovery of new markets, foreign direct investment and productivity gains. ❑ Global headline inflation is projected to rise to 4.7% in 2026, reflecting primarily higher commodity prices, and to fall back to 4.1% in 2027; the pass through to core inflation is expected to be limited. ❑ India remains among the fastest-growing major economies, with growth in 2026 projected at 7%. This reflects stronger-than-expected momentum, supported by resilient domestic demand and robust services activity. ❑ Retail inflation growth reached 5.54% in September 2026, and the major component of this increase in highest food inflation since dec 2024 at 7.74%. This indicates further raises possibility of monetary tightening in coming months which may impact domestic household investment and consumption demand. ❑ The similar trend is observed in rising WPI numbers at 11.39% in September, elevated due to higher fuel and food cost (uptick in vegetable prices due to uneven monsoon. Economic Outlook & ProjectionsIMF World Economic Outlook Growth Projections 2025 2026 2027 World Economy 3.50 3.10 3.40 Advanced Economies 2.00 2.10 1.80 US 2.30 2.30 2.30 Euro Area 1.20 1.10 1.20 Japan 1.20 0.70 0.70 United Kingdom 1.20 1.30 1.20 Emerging Market & Developing Economies 4.50 3.70 4.40 China 5.00 4.50 4.00 India 7.80 7.00 7.00 Russia 1.00 0.90 0.90 MACRO ECONOMIC INDICATORS (1/2) 4.45 5.52 9.78 9.57 4.83 5.97 9.92 9.81 5.54 7.74 11.39 11.41 Consumer Price Index Consumer Food Price Index Wholesale Price Index Output Producer Price Index INFLATION (YEAR-ON-YEAR GROWTH) Jul-26 Aug-26 Sep-26
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 3 Data on Sectoral Deployment of Credit (Year-on-Year Growth,%) Apr-26 May-26 Jun-26 Jul-26 Aug-26 Gross Bank Credit 16.00 17.60 18.60 19.30 19.10 Non-food Credit 15.80 17.40 18.30 19.10 18.80 Agriculture & allied Activities 13.70 14.90 16.80 170 17.20 Industry 15.10 17.50 19.20 20.00 18.20 Services 18.60 20.40 21.40 22.90 24.30 Housing Loans 11.40 10.90 15.80 16.20 16.90 Vehicle Loans 18.00 17.30 17.30 18.80 19.70 Renewable Energy 15.60 17.50 20.20 31.70 26.00 Gold Loans 121.20 105.50 93.80 88.10 83.20 ❑ Foreign institutional investors’ holdings in Indian equities have grown 3.6 times since 2012 to around $783 billion, even as their share of the market has fallen to a 17-year low of 15.1%. The decline in foreign ownership share reflects the faster growth of domestic participation, including retail investors, rather than simply a reduction in foreign holdings. Domestic equity participation in India remains below developed-market levels, suggesting there could be room for further growth in domestic flows. ❑ During H1:2026-27, money market rates softened and remained mostly range bound amid large surplus liquidity conditioned by robust capital inflows, especially from FCNR(B) deposits under the Reserve Bank’s swap facility announced in June 2026, which attracted $143 billion. However, owing to rise in inflation and deteriorating global environment, central bank has also tightened liquidity through OMO (open market operations) sales of G-secs, VRRR auctions and stricter daily CRR maintenance, following its recent shift to a tightening stance and the start of a rate-hike cycle by increasing repo rate from 5.25% to 5.5% in October MPC. ❑ On a year-on-year (y-o-y) basis, non-food bank credit grew by 18.8% as on the fortnight ended August 31, 2026, compared to 10.2% during the corresponding fortnight of the previous year (September 5, 2025). ❑ Credit to agriculture and allied activities registered a y-o-y growth of 17.2% vis-a-vis 7.6% in the corresponding fortnight of the previous year. Credit to services sector registered a y-o-y growth of 24.3% (10.3% in the corresponding fortnight of the previous year). ❑ Credit to personal loans segment recorded a y-o-y growth of 16.9%, as compared with 11.9% a year ago. Segments such as ‘housing’ and ‘vehicle loans’ sustained double-digit growth, indicating steady demand. Growth then slowed quickly, from about 121% in April 2026 to 83.2% in August 2026, partly because of base effects and a possible cooling in gold prices or tighter regulatory norms on gold lending. Economic Outlook & Projections MACRO ECONOMIC INDICATORS (2/2) 5.2 2.1 -5.1 4.5 3.1 10.7 1.6 -5.7 -0.2 -13.5 -9.6 -0.3 Q1:2025-26 Q2:2025-26 Q3:2025-26 Q4:2025-26 Q1:2026-27 Q2:2026-27 FOREIGN INVESTMENT TRENDS (US$ BILLION) Net FDI (Foreign Direct Investment) Net FPI (Foreign Portfolio Investment)
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 4 C E N R L T A Ethical Standards Nurturing Potential Responsiveness Loyalty Transparency Accountability Consistency VALUES THAT SET US APART
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 5 Strong Brand Image with Legacy of 114+ Years Strong Rural + Semi Urban Presence with 65% of Total Branches in RUSU Centers Best CASA base @44.65% of Total Deposits Pan India Presence with 22215 Customer Touch Points out of which 85% is in RUSU Centers Dedicated Staff Strength Of 35195 Active Customer Base 8.42 Crore STRENGTHS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 6 07 Performance Highlights 34 Investments 11 Financial Performance 38 Digital Journey & FI 19 Asset Quality & Capital Adequacy 44 Group Performance 26 Business Performance 47 Other Information CONTENTS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 7 PERFORMANCE HIGHLIGHTS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 8 Sep’26 (QTR) vis-a-vis Sep’25 (QTR) Y-o-Y ₹ 889541 Cr Global Business 20.54% ₹ 226774 Cr CASA 9.23% ₹ 508509 Cr Total Deposits 14.41% ₹ 381032 Cr Global Advances 29.83% ₹ 254273 Cr RAM 21.11 % ₹ 10357 Cr Interest Income 18.45% ₹ 11737 Cr Total Income 14.92% 2.39% Gross NPA % 62 bps 1.03% ROA 2 bps 0.31% Net NPA % 17 bps KEY HIGHLIGHTS ₹ 1469 Cr Net Profit 21.10% 26.99 % ₹ 2268 Cr Operating Profit
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 9 NET PROFIT ₹ in Cr 418 605 718 807 JUN'23 SEP'23 DEC'23 MAR'24 235 318 458 571 JUN'22 SEP'22 DEC'22 MAR'23 880 913 959 1034 JUN'24 SEP'24 DEC'24 MAR'25 Q-o-Q Q-o-Q Q-o-Q FY 2022-23 FY 2023-24 FY 2024-25 1169 1213 1263 724 JUN'25 SEP'25 DEC'25 MAR'26 Q-o-Q FY 2025-26 * *After taking one time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹ 632 Crore. 1213 1469 SEP'25 (QTR) SEP'26 (QTR) 21.10% PROFITABILITY – SUSTAINED GROWTH 2382 2793 SEP'25 (HY) SEP'26 (HY) 17.25%
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 10 Particulars Year Ended Quarter Ended Growth Mar'26 (FY) Sep'25 Sep'26 Y-o-Y Yield on Advances (%) 8.21 8.36 7.87 (49 bps) Yield on Investments (%) 6.74 6.77 6.82 5 bps Yield on Funds (%) 7.82 7.71 7.52 (19 bps) Cost of Deposits (%) 4.82 4.88 4.60 (28 bps) Cost of Funds (%) 4.83 4.88 4.63 (25 bps) NIM (%) 3.07 2.89 3.01 12 bps ROE (%) 13.00* 14.22 15.78 156 bps Book Value of Share 38.23 37.70 41.15 9.15% Credit Cost(%) 0.52 0.21 0.53 32 bps Slippage Ratio (%) 1.16 0.30** 0.24** (6 bps) Staff Cost Share in Cost to Income(%) (a) 37.01 39.83 37.49 (234 bps) Other Operating Exp in Cost to Income (%) (b) 21.60 22.59 21.46 (113 bps) Cost to Income(%) (a+b) 58.61 62.42 58.95 (347 bps) Liquidity Coverage Ratio (%) (average) 210.35 241.96 155.17 (8679 bps) Net Stable Funding Ratio (%) 136.91 150.47 126.38 (2409 bps) Earning Per Share 4.83* 1.34** 1.62 ** 20.90% ROA (%) 0.89* 1.01 1.03 2 bps *After taking one time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹ 632 Crore. **(Non-annualised) SUSTAINED HEADLINE NUMBERS ( On Stand alone basis)
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 11 FINANCIAL PERFORMANCE
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 12 ₹ in Cr INTEREST INCOME Particulars Quarter Ended Half Year Ended Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Interest on Advances 6756 5668 7231 27.58 7.03 11600 13987 20.58 Interest on Investments 2645 2588 2718 5.02 2.76 4928 5363 8.83 Interest on balances with RBI and Other Banks 253 454 364 (19.82) 43.87 729 617 (15.36) Others 37 34 44 29.41 18.92 75 81 8.00 Total Interest Income 9691 8744 10357 18.45 6.87 17332 20048 15.67
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 13 ₹ in Cr NON-INTEREST INCOME Particulars Quarter Ended Half Year Ended Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Fee Based Income (i + ii + iii) 487 611 635 3.93 30.39 1054 1122 6.45 Commission Exchange & Brokerage (i) 93 101 105 3.96 12.90 181 198 9.39 - Commission on LC/BG/DDs 49 43 42 (2.33) (14.29) 86 91 5.81 - Govt. Business 13 17 16 (5.88) 23.08 29 29 - - Banc assurance 31 41 47 14.63 51.61 66 78 18.18 Service Charges (ii) 296 354 310 (12.43) 4.73 618 606 (1.94) Miscellaneous (iii) 98 156 220 41.03 124.49 255 318 24.71 Treasury Income 276 186 128 (31.18) (53.62) 850 404 (52.47) - Profit on Sale of Investments 102 190 133 (30.00) 30.39 767 235 (69.36) - Profit/Loss on Revaluation of Investment 101 (51) (87) 70.59 (186.14) (3) 14 (566.67) - Profit on Exchange Transactions 73 45 82 82.22 12.33 84 155 84.52 - Dividend Income - 2 - - - 2 - - Other Receipts (Recovery in Written off & Others) 224 672 617 (8.18) 175.45 1336 841 (37.05) Total Non-Interest Income 987 1469 1380 (6.06) 39.82 3240 2367 (26.94)
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 14 ₹ in Cr TOTAL EXPENSES Particulars Quarter Ended Half Year Ended Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Interest Expenses 5777 5461 6211 13.73 7.51 10666 11988 12.39 Interest Paid on Deposits 5365 5326 5752 8.00 7.21 10415 11117 6.74 Other Interest 412 135 459 240.00 11.41 251 871 247.00 Operating Expenses 2715 2966 3258 9.84 20.00 5816 5973 2.70 Staff Cost 1759 1893 2072 9.46 17.79 3727 3831 2.79 Other Operating Expenses 956 1073 1186 10.53 24.06 2089 2142 2.54 Total Expenses 8492 8427 9469 12.37 11.50 16482 17961 8.97
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 15 ₹ in Cr OPERATING EXPENSES Particulars Quarter Ended Half Year Ended Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Employee Benefit 1420 1392 1487 6.82 4.72 2711 2907 7.23 Retrial Benefit 339 501 585 16.77 72.57 1016 924 (9.06) Rent, Taxes and Lighting 139 182 217 19.23 56.12 314 356 13.38 Depreciation 121 108 124 14.81 2.48 299 245 (18.06) Insurance 82 133 78 (41.35) (4.88) 269 160 (40.52) Legal Expenses 11 14 15 7.14 36.36 27 26 (3.70) Professional Fees 101 87 150 72.41 48.51 199 251 26.13 Postage 24 24 24 - - 46 48 4.35 Repair and Maintenance 49 50 47 (6.00) (4.08) 102 96 (5.88) Printing and stationery 8 9 11 22.22 37.50 15 19 26.67 Travelling Expenses 61 65 77 18.46 26.23 111 138 24.32 CGTMSE and other guarantee Fees 7 3 2 (33.33) (71.43) 7 9 28.57 ATM Issuer Fees 90 91 91 - 1.11 167 181 8.38 Other 263 307 350 14.01 33.08 533 613 15.01 Operating Expenses 2715 2966 3258 9.84 20.00 5816 5973 2.70
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 16 ₹ in Cr PROVISIONS Particulars Quarter Ended Half Year Ended Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) NPAs 346 143 490 242.66 41.62 611 836 36.82 Standard Assets 81 30 379 1163.33 367.90 (137) 460 435.80 Investment Including SRs (45) (11) (336) (2954.55) (646.67) (25) (381) (1424.00) Income Tax 461 259 236 (8.88) (48.81) 873 697 (20.16) Others 35 39 54 38.46 54.29 37 89 140.50 Restructured A/c’s (16) 113 (24) (121.24) (50.00) 349 (40) (111.50) Total Provision 862 573 799 39.44 (7.31) 1708 1661 (2.75)
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 17 ₹ in Cr STATEMENT OF INCOME & EXPENDITURE Particulars Quarter Ended Half Year Ended Jun'26 Sep'25 Sep'26 Y-o-Y (%) Q-o-Q (%) Sep'25 Sep'26 Y-o-Y (%) Total Interest Income 9691 8744 10357 18.45 6.87 17332 20048 15.67 Total Interest Expenses 5777 5461 6211 13.73 7.51 10666 11988 12.39 Net Interest Income 3914 3283 4146 26.29 5.93 6666 8060 20.91 Net Interest Income (excluding one off item) 3881 3255 4105 26.11 5.77 6604 7986 20.93 Total Income 10678 10213 11737 14.92 9.92 20572 22415 8.96 Total Expenditure 8492 8427 9469 12.37 11.50 16482 17961 8.97 Operating Profit 2186 1786 2268 26.99 3.75 4090 4454 8.90 Operating Profit (excluding one off item) 2153 1758 2227 26.68 3.44 4028 4380 8.74 Provisions 862 573 799 39.44 (7.31) 1708 1661 (2.75) Net Profit 1324 1213 1469 21.10 10.95 2382 2793 17.25
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 18 Particulars As on 31st Mar'26 As on 30th Sep'25 As on 30th Sep'26 CAPITAL & LIABILITIES Capital 9051 9051 9051 Reserves and Surplus 29419 28976 32041 Deposits 467923 444451 508509 Borrowings 31481 12104 38287 Other Liabilities and Provisions 11606 8768 9425 Total 549480 503350 597313 ASSETS Cash and Balances with Reserve Bank of India 18953 21700 17809 Balances with Banks and Money at Call and Short Notice 18882 16593 25135 Investments 157320 160297 164110 Loans & Advances 336997 286024 373070 Fixed Assets 5125 5036 5162 Other Assets 12203 13700 12027 Total 549480 503350 597313 ₹ in Cr BALANCE SHEET – STAND ALONE
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 19 ASSET QUALITY & CAPITAL ADEQUACY
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 20 Particulars Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Global Gross Advances 293488 323531 344516 354348 381032 Net Advances 286024 316219 336997 346837 373070 Gross NPA 8827 8726 9185 9225 9109 Net NPA 1364 1414 1666 1715 1146 Gross NPA % 3.01 2.70 2.67 2.60 2.39 Net NPA % 0.48 0.45 0.49 0.49 0.31 ₹ in Cr 0.48 0.45 0.49 0.49 0.31 S E P ' 2 5 D E C ' 2 5 M A R ' 2 6 J UN ' 2 6 S E P ' 2 6 NET NPA %GROSS NPA % 3.01 2.70 2.67 2.60 2.39 S E P ' 2 5 D E C ' 2 5 M A R ' 2 6 J UN ' 2 6 S E P ' 2 6 ASSET QUALITY TREND
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 21 Particulars Sep'25 (QTR) FY 25-26 JUN'26(QTR) Sep'26 (QTR) Sep'26 (HY) Opening Gross NPAs 8638 9225 9185 9225 9185 Add: Slippage of PA to NPAs 733 2968 939 734 1386 Increase in Balance of existing NPAs 64 299 47 96 114 Sub-Total 797 3267 986 830 1500 Less: Up-gradation 244 443 311 247 369 Recovery 313 1120 261 613 747 Regular Write-off 37 283 59 76 135 Technical Write-off 1 1435 309 - 309 Other Recovery by Adjustment 13 26 6 10 16 Sub-Total 608 3307 946 946 1576 Gross NPAs 8827 9185 9225 9109 9109 % of Gross NPAs to Gross Advances 3.01 2.67 2.60 2.39 2.39 ₹ in Cr NPA MOVEMENT
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 22 NPA Classification: Sector-Wise NPA Classification: Retail Sector Particulars GNPA Advances (Sep'26) GNPA % TOTAL NNPA NNPA %Sep'25 Jun'26 Sep'26 Total NPA 8827 9225 9109 381032 2.39 1146 0.31 Retail 944 1050 1040 112299 0.93 124 0.11 Agriculture & Allied 3378 3743 3598 67778 5.31 564 0.87 MSME 3226 3701 3673 74196 4.95 450 0.63 Corporate & Others 1279 732 798 126759 0.63 8 0.01 Particulars GNPA Advances (Sep'26) GNPA % TOTAL NNPA NNPA %Sep'25 Jun'26 Sep'26 Total Retail NPA 944 1050 1040 112299 0.93 124 0.11 Housing Loan 616 743 747 62259 1.20 59 0.10 Vehicle Loan 48 53 53 4665 1.15 5 0.11 Education Loan 112 86 82 6954 1.18 6 0.09 Other Personal Loans 168 168 158 38421 0.41 54 0.14 ₹ in Cr 280 1026 352 179 485 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Recovery in Written Off Accounts (Quarterly) 331 1283 1433 1716 2271 FY 2021-22 FY 2022-23 FY 2023-24 FY 2024-25 FY 2025-26 Recovery in Written Off Accounts NPA CLASSIFICATION & RECOVERY IN WRITTEN OFF ACCOUNTS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 23 96.88 96.69 95.97 95.86 97.16 84.55 83.80 81.86 81.41 87.42 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 PROVISION COVERAGE RATIO SLIPPAGE RATIO (Non-Annualized) 0.39 0.56 0.35 0.30 0.25 0.44 0.29 0.24 D E C ' 2 4 D E C ' 2 5 M A R ' 2 5 M A R ' 2 6 J U N ' 2 5 J U N ' 2 6 S E P ' 2 5 S E P ' 2 6 0.49 1.23 0.68 0.21 0.37 0.79 0.40 0.53 D E C ' 2 4 D E C ' 2 5 M A R ' 2 5 M A R ' 2 6 J U N ' 2 5 J U N ' 2 6 S E P ' 2 5 S E P ' 2 6 CREDIT COST Including TWO Excluding TWO OTHER MAJOR RATIOS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 24 Standard Restructured Book Standard Restructured: Covid-19 Resolution Framework Total Standard Restructured Book ₹ in Cr Segment Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Retail 538 490 505 481 463 Agriculture 99 88 90 80 76 MSME 534 497 468 449 429 Corporate 765 684 607 605 324 TOTAL 1936 1759 1670 1615 1292 Segment Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Retail 1332 1248 1251 1184 1133 Agriculture 141 121 119 112 106 MSME 828 768 740 686 663 Corporate 254 217 219 221 218 TOTAL 2555 2354 2329 2203 2120 Segment Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Retail 1870 1738 1756 1665 1596 Agriculture 240 209 209 192 182 MSME 1362 1265 1208 1135 1092 Corporate 1019 901 826 826 542 TOTAL 4491 4113 3999 3818 3412 Asset Quality Sep'25 No. of A/Cs Amount % of Global Advance SMA 0 19 427 0.15 SMA 1 7 214 0.07 SMA 2 8 52 0.02 TOTAL 34 693 0.24 Asset Quality Jun'26 No. of A/Cs Amount % of Global Advance SMA 0 17 448 0.13 SMA 1 13 310 0.09 SMA 2 10 92 0.02 TOTAL 40 850 0.24 Asset Quality Sep'26 No. of A/Cs Amount % of Global Advance SMA 0 16 308 0.08 SMA 1 9 284 0.07 SMA 2 10 108 0.03 TOTAL 35 700 0.18 Special Mention Accounts (₹ 5 Crore and above)) • Accounts (₹ 5 Crore and above) of ₹ 12.19 Cr are common between SMA and Restructured Accounts. (SMA0 – ₹ 6.55 Cr; SMA1 - ₹ 5.64 Cr; SMA2 - ₹ NIL) ₹ in Cr RESTRUCTURED BOOK & SPECIAL MENTION ACCOUNTS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 25 14.98 13.87 15.61 16.54 15.97 2.36 2.26 2.30 1.74 1.71 17.34 16.13 17.91 18.28 17.68 S E P ' 2 5 D E C ' 2 5 M A R ' 2 6 J UN ' 2 6 S E P ' 2 6 CAPITAL ADEQUACY RATIO LEVERAGE RATIO CET-I Tier-II 5.92 5.63 5.85 6.33 6.02 S EP' 2 5 D EC ' 2 5 M A R ' 2 6 JU N ' 2 6 S EP' 2 6 CAPITAL RATIOS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 26 BUSINESS PERFORMANCE
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 27 Z ₹ in Cr PARTICULARS SEP'25 SEP'26 Y-o-Y Growth % Global Business 737938 889541 20.54 Total Deposits (Including Interbank Deposits) 444450 508509 14.41 Certificate of Deposit (Included in Total Deposits) NIL 9550 - CASA Deposits 207616 226774 9.23 CASA % 46.83 44.65 (218 bps) Global Advances 293488 381032 29.83 RAM 209948 254273 21.11 Corporate 83540 118666 42.05 Overseas Advances - 8093 - CD Ratio (excluding interbank deposit) 66.20 75.02 882 bps BUSINESS ACROSS THE BOARD
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 28 4.55% 40.04% 55.29% 0.12% SEP’26 Current Core Time Deposit 4.84% 41.88%53.04% 0.24% SEP’25 Savings Inter Bank Deposits ₹ in Cr DEPOSIT MIX PARTICULARS SEP'25 SEP'26 Y-o-Y Growth % Current 21501 23174 7.78 Savings 186115 203600 9.39 Total CASA Deposits 207616 226774 9.23 CASA % 46.83 44.65 (218 bps) Core Time Deposits 235749 281143 19.26 Total Core Deposits 443365 507917 14.56 Inter Bank Deposits 1085 592 (45.44) Total Deposits 444450 508509 14.41
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 29 ₹ in Cr SEP’25 Agriculture Corporate 30.74% 19.26% 21.54% 28.46% RAM % to Domestic Advance 71.54% SEP’26 29.48%17.79% 19.47% 31.14% 2.12% RAM % to Domestic Advance 68.18% Retail MSME Overseas SECTOR SEP'25 SEP'26 Y-o-Y Growth % Retail 90204 112299 24.49 Agriculture 56521 67778 19.92 MSME 63223 74196 17.36 RAM 209948 254273 21.11 Corporate 83540 118666 42.05 Domestic Advances 293488 372939 27.07 Overseas Advances - 8093 - Global Advances 293488 381032 29.83 TOTAL Credit RWA 176679 202227 14.46 CRWA % of Global Advance 60.20 53.07 (713 bps) CREDIT PERFORMANCE
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 30 ₹ in Cr SECTOR Amount Housing Loan 62259 Auto Loan 4665 Personal Loan 4142 Education Loan 6954 Other Retail Loan 34279 Total Retail 112299 Agriculture Loan 67778 MSME Credit 74196 Corporate Credit 118666 Domestic Advances 372939 Overseas Advances 8093 Global Advances 381032 Personal LoanHousing Loan Agriculture LoanEducation Loan Other Retail LoanMSME Credit Corporate CreditAuto Loan As on 30th SEP'2026 16.34% 1.22% 1.09% 1.83% 9.00% 17.79% 19.47% 31.14% 2.12% RAM % to Domestic Advance 68.18% DIVERSIFIED LOAN BOOK Overseas
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 31 HOME LOAN ₹ 62259 55.44% 13.07% 01 ₹ in Cr% Y-o-Y Growth% of Total Retail Advance As on 30th SEP'2026 EDUCATION LOAN ₹ 6954 6.19% 15.61% 02 AUTO LOAN ₹ 4665 4.15% 13.09% 03 PERSONAL LOAN ₹ 4142 3.69% (5.35%) 04 OTHER LOAN ₹ 34279 30.52% 66.19% 05 Retail Segment ₹ 112299 29.48% of Global Advance Y-o-Y Growth 24.49% RETAIL SEGMENT
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 32 SEP’25 AAA. 51.91% AA. 15.16% A. 11.02% BBB. 9.90% Government Guaranteed Advances. 5.06% CRE. 0.88% BB and Below. 1.48% Unrated. 4.59% AAA. 54.51% AA. 13.00% A. 10.71% BBB. 7.42% Government Guaranteed Advances. 7.40% CRE. 0.55% BB and Below. 0.79% Unrated. 5.62% SEP’26 INVESTMENT GRADE WISE STANDARD ADVANCES (FUND BASED) (₹ 25 Crore and above) SEP'25 SEP'26 Y-o-Y (%) AAA 44288 65739 48.44 AA 12934 15677 21.21 A 9408 12916 37.29 % of A & above rated advances to Total Standard Rated Advances 78.08 78.22 14 bps BBB 8451 8948 5.88 Govt Guaranteed Advances 4321 8926 106.57 CRE 753 658 (12.62) Sub-Total 80155 112864 40.81 % of BBB & above rated advances to Total Standard Rated Advances 93.93 93.59 (34 bps) BB and Below 1259 958 (23.91) Unrated 3920 6778 72.91 Total 85334 120600 41.33 ₹ in Cr RATED STANDARD ADVANCES
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 33 AGRICULTURE ADVANCES @ 20.72% of ANBC against norm of 18% WEAKER SECTOR @ 15.40% of ANBC against norm of 12.00% ADVANCES TO SMALL AND MARGINAL FARMERS @ 10.60% of ANBC against norm of 10.00% ADVANCES TO MICRO ENTERPRISES @ 15.49% of ANBC against norm of 7.50% TOTAL PRIORITY SECTOR ADVANCES @ 55.23% of ANBC against norm of 40% SURPASSED THE MANDATED NORMS IN RESPECT OF PSLC Sold ₹ 6500 Crore ACHIEVEMENT UNDER MANDATED TARGETS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 34 INVESTMENTS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 35 81.08% 1.18% 16.57% 0.35% 0.79% 0.03% SEP‘25 81.35% 0.97% 15.99% 0.42% 1.24% 0.03% SEP’26 Subsidiaries & Joint Ventures Investment Outside India Debentures & Bonds Govt. Securities Other Approved Shares Others ₹ in Cr Particulars SEP'25 SEP'26 Govt. Securities 131243 134399 Other Approved - - Shares 1910 1600 Debentures & Bonds 26830 26427 Subsidiaries & Joint Ventures 573 702 Others 1277 2049 Total Investment In India 161833 165176 Investment Outside India 47 47 Grand Total 161880 165223 INVESTMENT PORTFOLIO
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 36 YIELD ON INVESTMENT (Including Trading Profit) % YIELD ON INVESTMENT % PROFIT ON SALE OF INVESTMENT ₹ in Cr INTEREST ON INVESTMENT 6.77 6.82 S EP' 2 5 S EP' 2 6 7.12 7.01 S EP' 2 5 S EP' 2 6 Particulars Sep'25 (QTR) Sep’26 (QTR) Aggregate Investment 161880 165223 Interest on Investment 2588 2718 Yield on Investment % 6.77 6.82 Profit on Sale of Investments 190 133 Profit on Exchange Transaction 45 82 Dividend Income 2 - Profit/Loss on Revaluation of Investment (51) (87) Yield on Investment (Including Trading Profit)% 7.12 7.01 M - Duration (AFS) 3.93 5.36 10 Year Bench Mark % 6.58 7.18 2588 2718 S E P ' 2 5 S E P ' 2 6 190 133 S E P ' 2 5 S E P ' 2 6 TREASURY PERFORMANCE
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 37 75.00% 1.00% 13.00% 2.00% 8.00% 1.00% 65.00% 1.00% 19.00% 4.00% 8.00% 3.00% AFS BOOK SEP’25 SEP’26 G-sec & T-bill CP SDL Corporate Bond PSU Others TOTAL INVESTMENT BOOK SEP’25 SEP’26 AGGREGATE INVESTMENT 161880 165223 PORTFOLIO HTM AFS FVTPL SAJV HTM AFS FVTPL SAJV INVESTMENT 111865 42823 6559 633 123025 37761 3688 749 PERCENTAGE 69.10 26.45 4.05 0.40 74.46 22.86 2.23 0.45 TOTAL SLR 131243 134399 PERCENTAGE 81.07% 81.33% CATEGORY WISE 90519 37584 3140 - 101954 31842 603 - Modified Duration:3.93 SLR (MD) : 4.02 Modified Duration:5.36 SLR (MD) : 5.85 P .V. 01 (SLR+NSLR): 16.47 P .V. 01 (SLR+NSLR): 19.80 ₹ in Cr TREASURY OPERATIONS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 38 DIGITAL JOURNEY
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 39 Oct’24 to Sep’25 Oct’25 to Sep’26 PAYMENT ACCEPTANCE TOUCH POINTS DIGITAL TOUCH POINTS (IN’000) OTHER TOUCH POINTS UPI IMPS Mobile Banking Internet Banking Debit Card (POS) RTGS/NEFT AEPS-BHIM-AADHAR Others 3092 P O S / M P O S 4623 13752 20 3820 N O . O F B R A N C H E S N O . O F B C O U T L E T S N O . O F B C M A X X C E N T R E S N O . O F A T M S 11825 5093 N E T B A N K I N G U S E R S C E N T E E Z U S E R S Share of Digital Txns through ADC 92.24% Share of Digital Txns through ADC 88.29% 1421602 U P I Q R 86.14% 3.15% 0.36% 0.39% 0.36% 4.78% 0.76% 4.06% 90.60% 1.90% 0.33% 0.25% 0.18% 3.64% 0.53% 2.57% 107630 S O U N D B O X DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (1/2)
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 40 INTERNET BANKINGMOBILE BANKING UPI (Remitter + Beneficiary)IMPS TRANSACTIONS TRANSACTIONS (in Lakhs) 1549.22 1338.05 O C T ' 2 4 - S E P ' 2 5 O C T ' 2 5 - S E P ' 2 6 42311.47 63146.69 O C T ' 2 4 - S E P ' 2 5 O C T ' 2 5 - S E P ' 2 6 174.59 228.96 O C T ' 2 4 - S E P ' 2 5 O C T ' 2 5 - S E P ' 2 6 190.21 174.30 O C T ' 2 4 - S E P ' 2 5 O C T ' 2 5 - S E P ' 2 6 DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (2/2)
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 41 Cent eeZ : New Features Launched Cent eeZ Vyapaar Saathi Corporate Net Banking platform ➢ Cent eeZ, the digital onboarding and banking platform of the Bank has successfully onboarded 53.26 lakh customers. ➢ Seamless Customer Experience ➢ Sustained Customer Acquisition ➢ Improved Operational Efficiency ➢ Strengthening Retail Banking ➢ New Feature Added: ▪ Pre Qualified Personal Loan (PQPL) addition. ▪ RBI Retail Direct investment option addition in Govt Schemes. ▪ Integration of Olive Crypto for UPI Services ▪ Integration of Protect.AI full version for App Security ▪ Heal Integration for App level observation. ➢ Launched in March 2026 to provide SMEs and Corporate Clients of the Bank a comprehensive, secure and efficient digital banking solution through an advanced corporate net banking platform. Business Achievements: ▪ 40000+ Customers Onboarded ▪ More than 11.74 lakh financial transactions performed through the platform ▪ Total ₹ 6000 cr+ successful financial transactions performed ➢ New Initiatives Business registration made live on NBBL (NPCI Bharat Billpay Limited). DIGITAL INITIATIVES (1/2)
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 42 Cent Kudumbashree SHGGold Loan Journey (AGL, RGL & MSME) CKCC PAHSKY (Maharashtra State) ➢ Online gold loan appointment and quick evaluation ➢ Pre-filled Loan Application, Process Note, Sanction Letter & other documents ➢ Digital Documentation through E-Sign and E- Stamp facilities ➢ One-click Account Opening at Branch ➢ Digital offer generation based on the corpus amount ➢ Automated real-time assessment and Go/No-Go decisioning ➢ Auto Generated Loan Application Form and Loan documents ➢ One click account opening at RAC ➢ Automated real-time assessment and Go/No-Go decisioning ➢ Digital Offer generation based on the master ➢ Geo-tagged field inspection facility ➢ Auto Generated Loan Application Form and Loan documents ➢ Digital Documentation through E-Sign and E-Stamp facilities ➢ One click solution for RAC to open account DIGITAL INITIATIVES (2/2) Cent Kisan Vahan ➢ Automated real time CIC assessment and Go/No-Go decisioning ➢ Geo tagged field inspection facility ➢ Auto Generated Loan Application Form and Loan documents ➢ One click account opening at RAC Cent Naari Shakti ➢ Seamless real-time applications fetching from the Jan Samarth Portal ➢ Automated real time CIC assessment and Go/No-Go decisioning ➢ Digital offer generation based on the project cost ➢ Auto Generated Loan Application Form and Loan documents ➢ One click account opening at RAC ➢ End to end automated updation of sanction details on the Jan Samarth Portal
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 43 PMSBYPMJJBY Balance Outstanding (₹ in Cr)No. of Accounts (in Lakhs) APY S O C I A L S E C U R I T Y S C H E M E P M J D Y 192.88 194.34 195.55 197.06 197.69 S E P ' 2 5 D E C ' 2 5 M A R ' 2 6 J UN ' 2 6 S E P ' 2 6 8330.09 8484.89 9222.59 8948.68 9380.59 S E P ' 2 5 D E C ' 2 5 M A R ' 2 6 J UN ' 2 6 S E P ' 2 6 107.04 113.77 118.40 S E P ' 2 5 J UN ' 2 6 S E P ' 2 6 29.64 32.68 33.48 S E P ' 2 5 J U N ' 2 6 S E P ' 2 6 No. of Enrollments (in Lakhs) 26.96 27.42 29.49 S E P ' 2 5 J UN ' 2 6 S E P ' 2 6 FINANCIAL INCLUSION
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 44 Subsidiaries Shareholding Particulars Sep’25 (HY) Sep’26 (HY) Cent Bank Home Finance Ltd. Engaged into Housing Finance Activity • Presence in 12 States through 38 Branches • Advances & Investment Portfolio of ₹ 1800.96 Cr (Unaudited) 64.40% Total Income 90.40 96.42 Net Profit/(Loss) 12.51 11.09 Total Assets 1795.31 1842.72 Capital & Reserves 251.74 267.24 Centbank Financial Services Ltd. • Engaged mainly into Trusteeship Services (Unaudited) 100% Total Income 5.52 5.95 Net Profit/(Loss) 3.12 2.68 Total Assets 60.66 73.12 Capital & Reserves 45.85 55.68 Associates Shareholding Particulars Sep’25 (HY) Sep’26 (HY) Generali Central Life Insurance Company Ltd# (Unaudited) 25.32% Net Profit/(Loss) (23.46) (42) Generali Central Insurance Company Ltd# (Unaudited) 26.00% Net Profit/(Loss) 9.66 (148.59) Indo Zambia Bank Limited, Zambia (Unaudited) 20% Net Profit/(Loss) 197.71 282.99 ₹ in Cr # Both the insurance companies became the associates effective June 05, 2025. CENTRAL BANK OF INDIA - GROUP
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 45 Particulars As on 30th Sep'25 As on 30th Sep’26 CAPITAL & LIABILITIES Capital 9051 9051 Reserves and Surplus 29483 32587 Minorities Interest 90 95 Deposits 445053 508863 Borrowings 12399 38908 Other Liabilities and Provisions 8847 9518 Total 504923 599022 ASSETS Cash and Balances with Reserve Bank of India 21700 17810 Balances with Banks and Money at Call and Short Notice 16608 25135 Investments 160642 164475 Loans & Advances 287209 374377 Fixed Assets 5037 5163 Other Assets 13718 12053 Goodwill on Consolidation 9 9 Total 504923 599022 Group Position ₹ in Cr CENTRAL BANK OF INDIA - GROUP
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 46 Particulars Half Year ended SEP'25 SEP’26 INCOME Interest and Dividend Earned 17400 20120 Other Income 3327 2369 Total 20727 22489 EXPENDITURE Interest Expended 10698 12021 Operating Expenses 5833 5993 Provisions and Contingencies 1716 1671 Total 18247 19685 Consolidated Net Profit/(Loss) of the Parent & Subsidiaries before Minority Interest 2480 2804 Less: Minority Interest 4 4 Consolidated Net Profit/(Loss) after deducting Minority's Interest 2476 2800 Add: Share of Earnings in Associates 38 9 Consolidated Net Profit/(Loss) Attributable to the Group 2514 2809 Group Performance Note: Figures of earlier period have been regrouped in this presentation wherever necessary to conform the current year classification. ₹ in Cr CENTRAL BANK OF INDIA - GROUP
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 47 As on 30th Sep’2026 GOI. 81.19% Banks & FI. 1.55% FIIs . 1.29% Insurance Cos.. 6.55% Other Body Corp. 0.25% Public. 6.23% NRI. 0.17% Others. 2.77% NRIs Others GOI Banks & FI FIIs Insurance Cos. Public Other Body Crop Agency Long Term Rating Tier1 Bonds Tier2 Bonds Certificate of Deposits CRISIL AA+ (Stable) AA (Stable) AA+ (Stable) A1+ India Rating AA (Stable) - AA (Stable) - ICRA - AA- (Stable) AA (Stable) - CARE - - - A1+ As on 30th Sep’2026 ▪ Share Capital : ₹ 9051.40 Cr ▪ Shares of Central Bank of India are listed at BSE and NSE ▪ Equity Shares of Central Bank of India are part of NSE 500, BSE 500 & BSE PSU indices SHAREHOLDING & RATINGS
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 48 As on 30th Sep’2026 Domestic Branches 4622 Rural 1626 Semi Urban 1389 Urban 788 Metro 819 IFSC Banking Unit (IBU)- GIFT City 1 Total Branches 4623 Total ATMs 3820 Total BC Outlets 13752 BC MAXX Centres 20 Total Customer Touch Points 22215 1 2 3 45 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 % Share No. of Branches Western & Central 32.89 1520 Northern 27.78 1284 North East 3.94 182 Eastern 20.57 951 Southern 14.82 685 Rural Semi Urban Urban Metro 35.18% 30.05% 17.05% 17.72% 1. Ladakh 1 2. Jammu and Kashmir 15 3. Himachal Pradesh 57 4. Chandigarh 11 5. Punjab 143 6. Uttarakhand 42 7. Haryana 139 8. National Capital Territory of Delhi 98 9. Rajasthan 194 10. Uttar Pradesh 584 11. Bihar 437 12. Sikkim 16 13. Assam 122 14. Meghalaya 9 15. Arunachal Pradesh 10 16. Nagaland 8 17. Manipur 9 18. Mizoram 2 19. Tripura 6 20. West Bengal 319 21. Odisha 105 22. Gujarat 311 23. Madhya Pradesh 471 24. Chhattisgarh 116 25. Jharkhand 89 26. Dadra & Nagar Haveli and Daman & Diu 3 27. Maharashtra 589 28. Telangana 109 29. Goa 30 30. Karnataka 107 31. Andhra Pradesh 138 32. Kerela 125 33. Tamil Nadu 203 34. Puducherry 3 35. Andaman and Nicobar Islands 1 IFSC Banking Unit (IBU)- GIFT City 1 NETWORK OF BRANCHES
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 49 PARAMETERS GUIDANCE FOR FY 26-27 ACHIVEMENTS (QTR Sep’2026) Business Growth 14-15% 20.54% Deposit Growth 10-12% 14.41% Advances Growth 14-16% 29.83% CASA 48%(+/- 1%) 44.65% RAM: Corporate Credit Ratio 65:35 (+/-5%) 68:32 NIM Above 3% 3.01% Gross NPA Below 2.50% 2.39% Net NPA Below 0.50% 0.31% PCR 96 – 98% 97.16% Slippage Ratio Less than 0.25% on Q-o-Q basis 0.24% Credit Cost (Annualized) Upto 0.75% 0.53% Return on Assets 1 % and above 1.03% Cost to Income Ratio < 56% 58.95% GUIDANCE
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 50 Environment ❑ The Bank has become a signatory of Partnership for Carbon Accounting Financials (PCAF). PCAF is a global non-profit organization that enables Banks to assess and disclose greenhouse gas (GHG) emissions (under Category 15 of Scope 3) associated with loans and investments. ❑ The Bank has financed numerous projects pertaining to renewable energy. As on 30th September 2026, corporate financing is ₹ 2392.57 crores towards renewable energy. ❑ In MSME segment, Bank has financed ₹20.17 crores towards green financing. Further, the Bank has MSE GIFT Scheme to promote adoption of sustainable and eco-friendly practices, technologies and renewable energy sources in MSME enterprises sector. The Bank also has a scheme for the promotion of circular economy MSME SPICE incentivising MSEs to adopt circular economy. Bank has sanctioned ₹ 1.51 crores and ₹ 0.09 crores in the two schemes respectively as on 30th September 2026. ❑ Bank has recently launched Cent Green Home scheme on 31.08.2026 wherein first housing loan of ₹ 22.5 crore has been sanctioned. Green certification is mandatory for eligibility/availing benefits under the Scheme. Under PM Surya Ghar Muft Bijli Yojana sanctioned amount is ₹502.04 crores. ❑ Adoption of rooftop solar across owned premises, replacement of DG sets with inverters and usage of environment friendly gases in air conditioners are some of the operational level initiatives, Bank is adopting to reduce its Scope 1, Scope 2 emissions. ❑ Under PM Kusum and Compressed Biogas Scheme, the Bank has financed ₹363.18 crores and ₹ 36.44 crores respectively as on 30th September 2026. ❑ Bank has a special term deposit scheme named ‘Cent Green Deposit’ with periods of deposit being 1111, 2222, 3333 days. As on 30th September 2026, the Bank has mobilized ₹ 463.76 crores under the same. Social ❑ The Bank sanctioned ₹ 1.65 crores worth of CSR funds on activities as mentioned below as on 30.09.2026: • Assistance to hospitals for installation of dialysis machine, donation of ambulance, transport vehicles for cancer patients • Tree plantation • Strengthening ICT infrastructure and solar energy facilities in educational institutes ❑ The Bank has a number of schemes regarding ‘reward and recognition’ for the employees to incentivise and motivate them. The Bank conducts regular awareness programs on the same to disseminate information. ❑ In order to provide relief to flood affected areas of Assam, the employees of the Bank were encouraged to give voluntary contribution of one day privilege leave towards Chief Minister’s Relief Fund. Many employees of the Bank participated whole heartedly in this initiative. ❑ Bank has Cent Naari Shakthi scheme for women entrepreneurs. Bank has financed ₹9.74 crores under the scheme as on 30th September 2026. Governance ❑ The Bank issues guidelines regularly for maintaining professional conduct, workplace discipline and mutual respect. The guidelines encourage employees to adhere to the highest standards of integrity, discipline, professionalism and teamwork. ❑ The Bank has integrated ESG parameters for borrower rating in its ICON rating credit assessment. This will evaluate borrowers on material ESG parameters, enabling the Bank to integrate sustainability into lending decisions ENVIRONMENT, SOCIAL AND GOVERNANCE
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 51 AWARDS AND RECOGNITION For the exemplary implementation of Rajbhasha, Central Bank of India has received the Rajbhasha Kirti Pratham Award in the category of major bank financial institutions from the Government of India, Ministry of Home Affairs. Central Bank of India’s three flagship initiatives have been conferred with the prestigious SKOCH award: • Cent Grih Laxmi • Cent Saarthi • PM Krishak Mitra Surya Yojana Central Bank of India has been honoured with two prestigious FINNOVITI Awards 2026, reaffirming its commitment to digital transformation, innovation, and delivering smarter banking experiences Central Bank of India’s Cyber Security Team has been honoured with the Cyber Security Team of the Year award at the 5th IBA CISO Summit & Citations 2026, reinforcing its commitment to secure and trusted banking. Central Bank of India has been honoured by PFRDA under the Atal Pension Yojana campaigns “APY Trendsetters” and “Retirement Revolutionaries”, recognising the Bank’s contribution towards promoting pension awareness & expanding APY coverage. Central Bank of India has been recognized as the Best Bank in four major categories: Retail Loans, Housing Loans, Education Loans, and Digital Lending at the 11th Excellence in Digital Banking Leadership Summit & Awards 2026, organized by the Indian Investors Federation
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 52 PRODUCT OFFERING
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 53 Certain statements in this presentation are forward looking statements which are based on management’s current expectations and estimations. Actual outcome may change due to some uncertainties, risk and various other factors. DISCLAIMER DISCLAIMER
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C A Customer Service Excellence Aspirational and Sustainable Growth Role in Nation Building & Viksit BharatFY 2026-27 (Q2) Analyst Presentation R E Employee Well-Being Including Families 54 https://youtube.com/c/CentralBankofIndiaOfficial https://www.instagram.com/centralbank_in https://in.linkedin.com/company/centralbankofindia https://www.facebook.com/centralbankofindia http://twitter.com/centralbank_in THANK YOU