Interim report
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क ें द्रीय कायाालय INVESTORS RELATION DIVISION Central Office क ें द्रीय कायाालय: चंदर मुखी, नरीमन पॉइंट, मुंबई - 400 021 दूरभाष/Tel.: 022-6638 7575 Central Office: Chander Mukhi, Nariman Point, Mumbai - 400 021 ईमेल/Email ID: smird@centralbank.bank.in Follow us on Central Bank of India www.centralbank.bank.in CO:IRD:2026:27:182 Date: 17th October, 2026 Dear Sir/Madam, Sub: Outcome of Board Meeting of the Bank held on 17th October, 2026. Pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, we wish to inform that the Board of Directors of Bank at their meeting held today i.e. Saturday, 17th October, 2026 at Mumbai inter-alia considered and approved the following:- 1. The Unaudited standalone and consolidated financial results of the Bank for the second quarter and half year ended 30th September, 2026 along with Limited Review Report issued by Auditors. 2. Declaration on Audit report with unmodified opinion for quarter ended 30.09.2026 [Regulation 33 (3) of SEBI (LODR) Regulations, 2015]. 3. Statement of deviation(s) or variation(s) for quarter ended 3 0.09.2026 [Regulation 32(1), 52(7) & 52(7A) of SEBI (LODR) Regulations, 2015]. 4. Security Cover Certificate as on 30.09.2026 [Regulation 54 of SEBI (LODR) Regulations, 2015]. The meeting of Board of Directors commenced at 11.45 AM and concluded at 01.00 PM. The above information will be made available on Bank’s website i.e. https://www.centralbank.bank.in/en/investor-relations Please take the above on your record. Thanking you. Yours faithfully, For Central Bank of India CHANDRAKANT BHAGWAT Company Secretary & Compliance Officer Encl.: As above National Stock Exchange of India Limited Listing Department, Exchange Plaza, Plot No. C/1, ‘G’ Block, Bandra-Kurla Complex, Bandra (East), Mumbai-400 051 Scrip Code-CENTRALBK BSE Limited Corporate Relationship Dept., Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai-400 001 Scrip Code-532 885
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A D 8 & COMPANY, lA]N PARAS BILALA & CO. Chartered Accountants, Chartered Accountants, First Floor, Mahavir Gaushala Complex, K.K Road, 50 Ka 2, |yoti Nagar, jaipur, Rajasthan Moudhapara, Raipur, Chattisgarh-492001 T V__ 302005 AMIT RAY & CO. A'A GARG ASHOK & CO.CharteredAccountants Chartered Accountants, I N D 5-8, Sardar Patel Marg, Prayagraj, Uttar Pradesh- 503 Emmar Colonnade, Sector 66, Golf course Extn 211011 Road, Haryana, Gurugram -122018 Indet]endent Auditors' Limited Review Report on Unaudited Standalone Financial Results of CentLal Bank of India for the Ouarter and Half Year ended Sei]tember 30th, 2026, I]ursuant to the ReE!ulation 33 and ReEnilation 52 read with Ref!ulation 63 r21 of the SEBI TListim! Ob]ifratious and Di:closure Requirem-entsl ReE!ulations. 2015 fas amendedl TO, The Board of Directors Central Bank of India Mumbai INTRODUCTION 1. We have reviewed the accompanying statement of Unaudited Standalone Financial Results of Central Bank of India ("the Bank") for the Quarter and Half Year ended September 30th , 2026 f`the Statement") attached herewith, being prepared and submitted by the bank pursuant to the requirement of regulation 33 and regulation 52 read with regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended f`LODR Regulations"), except for the disclosures related to Pillar 3 disclosures as at September 30th 2026, including Leverage Ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio (NSFR) under Basel Ill Capital Regulations issued by Reserve Bank of India as have been disclosed in the Bank's website and in respect of which a link has been provided in the aforesaid financial results and have not been reviewed by us. We have initialled the Statement for identification purposes only. 2. The statement, which is the responsibility of the Bank's Management and has been reviewed by the Audit Committee of the Board and approved by the Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 "Interim Financial Reporting" ("AS 25") issued by The Institute of Chartered Accountants of India ("ICAI"), the relevant provisions of the Banking Regulation Act, 1949, and the circulars, guidelines and directions issued by the Reserve Bank of India r`RBI") from time to time ("RBI Guidelines") and other accounting principles generally accepted in India. Our responsibility is to issue a report and express a conclusion on the Statement based on our review. SCoPEOFRREV]Ewr 3. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 ``Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the ICAI. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the financial statements are free from material misstatement. A review of Interim Financial Information consists of making inquiries primarily of Bank's personnel responsible for financial and accounting matters and applying analytical procedures and other review procedures to the financial data. A Review is substantially less in ith Standards on Auditing
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A D 8 & COMPANY, ]AIN PARAS BILALA & CO. Chartered Accountants, Chartered Accountants, First Floor, Mahavir Gaushala Complex, K.K Road, 50 Ka 2, jyoti Nagar, Jaipur, Rajasthan Moudhapara, Raipur, Chattisgarh-492001 T Q\ 302005 AMIT RAY & CO. t\IA GARG ASHOK & CO. Chartered Accountants, I N D Chartered Accountants 5-8, Sardar Patel Marg, Prayagraj, Uttar Pradesh- 503 Emmar Colonnade, Sector 66, Golf course Extn 211011 Road, Haryana, Gurugram -122018 and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit Opinion. 4. The Statements incorporates the relevant returns of the Top 20 branches, Integrated Treasury Branch, International Financial Services Centre Banking Unit (IBU) and various returns of central Office Departments reviewed by us and un-reviewed returns of other branches/offices. In the conduct of our review, we have relied on the review reports received from the concurrent auditors of 163 branches specifically appointed for this purpose. Apart from these review reports, in the conduct of our review at the Central Office Departments, we have also relied upon various information and returns received from the branches of the bank. CONCLUSION 5. Based on our review conducted as above and subject to limitations as mentioned in paragraph 3 & 4 above, nothing has come to our attention that causes us to believe that the accompanying statement of Unaudited Standalone Financial Results together with the notes thereon prepared in accordance with applicable accounting standards and other recognized accounting practices and policies has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52 of the LODR Regulations, including the manner in which it is to be disclosed, except for the disclosures relating to Pillar 3 disclosures as at Sept 30th, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel Ill Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in the statement and have not been reviewed by us, or that it contains any material misstatement, or that it has not been prepared in accordance with the relevant prudential norms issued by the Reserve Bank of India in respect of Income Recognition, Asset Classification, Provisioning and other Related Matters. EMPHHASISOFbIAI'TER 6. We draw attention to Note No. 6 of the statement regarding Deferred Ta]L based on tax review made by the Bank's Management with respect to possible tax benefits arising out of the timing difference, the Net Deferred Tax Assets of Rs.1,95,917 lakhs recognized as on September 30th, 2026 (Rs. 2,18,121 lakhs as on September 30th, 2025). Our Conclusion is not modified in respect of the above matters.
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A D 8 & COMPANY, |AIN PARAS BILALA & CO. Chartered Accountants, Chartered Accountants, First Floor, Mahavir Gaushala Complex, K.K Road, 50 Ka 2, |yoti Nagar, )aipur, Rajasthan Moudhapara, Raipur, Chattisgarh-492001 / V- 302005 AMIT RAY & CO. t\lA GARG ASHOK & CO. Chartered Accountants, I N D Chartered Accountants 5-8, Sardar Patel Marg, Prayagraj, Uttar Pradesh- 503 Emmar Colonnade, Sector 66, Golf course Extn 211011 Road, Haryana, Gurugram -122018 OTHER MATTER 7. The Statement includes comparative figures for the Quarter and Half Year ended Sept 30th, 2025 which were reviewed by an earlier set of four audit firms as joint auditors, three of those are continuing audit firms, and they have expressed unmodified conclusion vide their report dated October 17th, 2025. Our Conclusion is not modified in respect of this matter. For ADB & COMPANY Chartered Accountants PARTNER M. No. -408603 UDIN: 26408603V]UNOK4990 For Amit Ray & CO. Chartered Accountants F.R.NO: 000483C cANva=RaoPARTNER M. No. -073144 UDIN: 26073144MFPVGT6803 Place: Mumbai Date= 17th October 2026 For lain Paras Bilala & Co. Chartered Accountants F.R.NO: 011046C . `. .. M. No. -400917 UDIN: 26400917VBWKGG2056 For Garg Ashok & Co. Chartered Accountants F.R. No.: 012127N CA.A Partner M. No.: 090991 UDIN: 26090991IMCFU06714
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A D 8 & COMPANY, JAIN PARAS BILALA & CO. Chartered Accountants, Chartered Accountants, First Floor, Mahavir Gaushala Complex, K.K Road, 50 Ka 2, jyoti Nagar, )aipur, Rajasthan Moudhapara, Raipur, Chattisgarh-492001 T V__ 302005 AMIT RAY & CO. \lA GARG ASHOK & CO. Chartered Accountants, I N D Chartered Accountants, 5-8, Sardar Patel Marg, Prayagraj, Uttar Pradesh- 503 Emmar Colonnade, Sector 66, Golf course Extn 211011 Road, Haryana, Gurugram -122018 Independent Auditors' Limited Review Report on Unaudited Consolidated Financia.I Results of Central Bank of India for the Quarter and Half Year ended September 30th, 2026, pursuant to the Regulation 33 and Regulation 52 read with regulation 63 [2) of the SEBI [Listing Obligations and Disclosure Reouirementsl ReE!u]ations. 2015 fas amendedl TO, The Board of Directors Central Bank of India Mumbai INTRODUCTION 1. We have reviewed the accompanying Statement of Unaudited Consolidated Financial Results of Central Bank of India ("the Parent" or "the Bank") and its subsidiaries (the Parent and its Subsidiaries collectively referred to as "the Group") and its share of the net profit/uoss) after tax of its associates for the Quarter and Half Year ended September 30th, 2026 ("the Statement"), being prepared and submitted by the Parent pursuant to the requirements of Regulation 33 and Regulation 52 read with the regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended ("LODR Regulations"), except for the disclosures relating to consolidated Pillar 3 disclosures as at September 30th 2026, including Leverage Ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio (NFSR) under Basel Ill Capital Regulations issued by Reserve Bank of India as have been disclosed on the Bank's website and in respect of which a link has been provided in the aforesaid statement and have not been reviewed by us. We have initialled the Statement for identification purposes only. 2. The Statement, which is the responsibility of the Parent's Management, has been reviewed by the Audit Committee of the Parent's Board and been approved by the Parent's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 "Interim Financial Reporting" ("AS 25") issued by The Institute of Chartered Accountants of India ("ICAI"), the relevant provisions of the Banking Regulation Act, 1949, and the circulars, guidelines and directions issued by the Reserve Bank of India ("RBI") from time to time ("RBI Guidelines") and other accounting principles generally accepted in India, Our responsibility is to issue a report and express a conclusion on the Statement based on our review. SCoPE oF REV.Ewr 3. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 "Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the ICAI. This standard requires that we plan and perform the
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A D 8 & COMPANY, )AIN PARAS BILALA & CO. Chartered Accountants, Chartered Accountants, First Floor, Mahavir Gaushala Complex, K.K Road, 50 Ka 2, |yoti Nagar, jaipur, Rajasthan Moudhapara, Raipur, Chattisgarh-492001 / 302005 AMIT RAY & CO. TR GARG ASHOK & co.Chartered Accountants, I N D Chartered Accountants, 5-8, Sardar Patel Marg, Prayagraj, Uttar Pradesh- 503 Emmar Colonnade, Sector 66, Golf course Extn 211011 Road, Haryana, Gurugram -122018 misstatement. A review of Interim Financial Information consists of making inquiries, primarily of the Bank's personnel responsible for financial and accounting matters and applying analytical and other review procedures to the financial data. A Review is substantially less in scope than an Audit conducted in accordance with Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. We also performed procedures in accordance with the ciroular issued by the SEBI under Regulation 33(8) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, to the extent applicable. 4. The Statement includes the results of the following entities: I. SUBSIDIARIES a. Cent Bank Home Finance Limited b. Cent Bank Financial Services Limited 11. ASSOCIATES a. Insurance Companies: i. Generali Central Insurance Company Limited ii. Generali Central Life Insurance Company Limited b. Indo-Zambia Bank Limited, Zambia CONCLUSION 5. Based on our review conducted and procedures performed as stated in paragraph 3 above and based on the consideration of the review reports of the other auditors referred to in paragraph 7 below, nothing has come to our attention that causes us to believe that the accompanying Statement read with notes to Unaudited Consolidated Financial Results, prepared in accordance with the recognition and measurement principles laid down in the aforesaid Accounting Standards, RBI Guidelines and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52 of the LODR Regulations, including the manner in which it is to be disclosed, except for the disclosures relating to consolidated Pillar 3 disclosures as at September 30th, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel 111 Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in the statement and have not been reviewed by us, or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of related matters. `,PE€yisioning and other
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A D 8 & COMPANY, lAIN PARAS BILALA & CO. Chartered Accountants, Chartered Accountants, First Floor, Mahavir Gaushala Complex, K.K Road, 50 Ka 2, jyoti Nagar, Jaipur, Rajasthan Moudhapara, Raipur, Chattisgarh-492001 T 302005 ChaArt¥::d¥c¥o&u:t°a.nts, I N Dn c faArtReGreAdsxc: :u:t€ :;s, 5-8, Sardar Patel Marg, Prayagraj, Uttar Pradesh- 503 Emmar Colonnade, Sector 66, Golf course Extn 211011 Road, Haryana, Gurugram -122018 EMPIIASIS OF MATTER 6. We draw attention to Note No. 6 of the Statement regarding Deferred Tax, based on tax review made by the Bank's Management with respect to possible tax benefits arising out of the timing difference, the Net Deferred Tax Asset of Rs.1,95,015 lakhs recognized as on September 30, 2026 (Rs. 2,17,052 lakhs as on September 30, 2025) Our Conclusion is not modified in respect of this matter. OrHER MATTER 7. We did not review the interim financial statements of 163 concurrent audit branches included in the unaudited standalone interim financial statements of the Parent Entity included in the group, whose results reflect total assets of Rs. 74,47,692 lakhs as of September 30th, 2026, and total revenues of Rs. 1,69,964 lakhs for the Quarter and Half year ended September 30th, 2026, as considered in the respective unaudited standalone interim financial statements of the Parent Entity included in the Group. The interim financial statements of these 163 concurrent audit branches have been reviewed by the concurrent auditors whose reports have been furnished to us and our conclusion in so far as it relates to the amounts and disclosures included in respect of these branches is based solely on the report of such concurrent auditors and the procedures performed by us as stated in paragraph 3 above. 8. We did not review the interim financial statements of 2 subsidiaries included in the Statement, whose interim financial statements reflect total assets of Rs.1,91,584 lakhs as of September 30th, 2026, and total revenues of Rs.10,237 lakhs for the Quarter and Half year ended September 30th, 2026, and total net profit after tax of Rs. 1,376 lakhs for the Quarter and Half year ended September 30th, 2026, as considered in the consolidated unaudited financial results. The interim financial statements of 2 subsidiaries have been furnished to us by the management and our conclusion on the Statement, in so far as it relates to the amounts and disclosures included in respect of these subsidiaries, is based solely on the financial information furnished to us by the management. According to the information and explanations given to us by the management, these interim financial statements are not material to the group. 9. The Statement includes the interim financial results which have not been reviewed for 4439 branches, included in the Unaudited Standalone Interim Financial Results of the Parent included in the group.
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A D 8 & COMPANY, ]AIN PARAS BILALA & CO. Chartered Accountants, Chartered Accountants, First Floor, Mahavir Gaushala Complex, K.K Road, 50 Ka 2, |yoti Nagar, jaipur, Rajasthan Moudhapara, Raipur, Chattisgarh-492001 / 302005 AMIT RAY & CO. fR GARG ASHOK & co.Chartered Accountants, ' N D Chartered Accountants, 5-8, Sardar Patel Marg, Prayagraj, Uttar Pradesh- 503 Emmar Colonnade, Sector 66, Golf course Extn 211011 Road, Haryana, Gurugram -122018 10. The Statement includes the interim financial results of 3 associates out of which 2 are insurance Companies and 1 is foreign associate as mentioned in above Para 4 (11), whose interim financial results reflect a total net profit of Rs. 9240 lakhs (net of losses) for the Quarter and Half year ended September 30, 2026 considered in proportion to shareholding pattern (Parent's share being profit of Rs.1024 lakhs) in the statement. According to the information and explanations given to us by the Management, these interim financial statements are not material to the group. 11. The Statement includes comparative figures for the Quarter and half year ended September 30th, 2025 which were reviewed by an earlier set of four audit firms as joint auditors, three of those are continuing audit firms, and they have expressed unmodified conclusion vide their report dated October 17, 2025. Our conclusion on the Statement is not modified regarding the above matters. For ADB & COMPANY Chartered Accountants PARTNER M. No. - 408603 UDIN: 26408603|TWRF82585 For Amit Ray & CO. Chartered Accountants F.R.NO: 000483C PARTNER M. No. -073144 UDIN: 26073144DPBQPN6496 Place: Mumbai Date: 17th October 2026 For lain Paras Bilala & Co. Chartered Accountants •. `. `- ,` PARTNER M. No. -400917 UDIN: 26400917AMGEZP3073 For Garg Ashok & Co. Chartered Accountants F.R. No.: 012127N cA.haPartner M. No.: 090991 UDIN: 26090991HCBPKD6673
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© ©Standalone Financial Results for the Quarter and Half Year Ended September 30, 2026 « ln Lakh) Particulars Stand alone Quarter Ended Half Yea r Ended Year Ended 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 Revl®wod Rovloved R®vlowod Revl®ved Revlowod Audlted 1 nterest earned (a) + (b) + (c) + (d) 10,35,687 9,69,090 8,74,31 1 20,04,777 17,33,165 36,02,568 (a) Interest/discount on advancesfoills 7,23,081 6,75,604 5.66,757 13,98,685 11.59,988 24,04,976 (b) Income on investments 2,71,818 2,64,531 2,58,762 5,36,349 4,92,777 10,21,009 (c) Interest on balances with Reserve Bank of Indiaandotherinterbankfunds36,368 25,303 45,409 61,671 72,946 1,25,383 (d) Others 4,420 3,652 3,383 8,072 7,454 51,200 2 Othe r Income 1,38,034 98,709 1,46,920 2,36,743 3,24,018 6,31,574 A. TOT AL INCOME (1+2) 11,73,721 10,67,799 10,21,231 22,41,520 20,57,183 42,34,142 3 nterest Expended 6,21,166 5,77,660 5,46.029 11,98,826 10,66,558 21,85,536 4 Operating Expenses (e) + (f) 3,25,725 2,71,532 2,96,640 5,97,257 5,81,665 12,00.784 (e) Employees cost 2,07,165 1,75,869 1,89,288 3,83,034 3,72,732 7,58,093 (f) I CIther operating expenses 1,18,560 95,663 1,07,352 2,14,223 2,08,933 4,42,691 a. TOTAL EXPENDITURE (3)+(4)(excludingProvisionsandContingencies) 9,46,891 8,49,192 8,42,669 17,96,083 16,48,223 33,86,320 C. OPERATING PROFIT (A-B)(ProfitbeforeProvisions&Contingencies) 2,26,830 2,18,607 1 ,78,562 4,45,437 4,08,960 8,47,822 D. Prov]8]on8 (other than tax) and Cont]ngencl®s.(Chwhich:provisionsforNan-PerformingAssets)56,274 40,162 31,414 96,436 83,525 2,04,388 48,991 34,639 14,374 83,630 61.129 1,53,416 E. Exc® ptlonal lt®m8 F. Profw(Loss) from Ordinary Actlvltles before Tar(C-D-E) 1,70,556 1 ,78,445 1,47,148 3,49,001 3,25,435 6,43,434 G. Tar Exp®ns®8 23,670 46,075 25,860 69,745 87,278 2,06,574 H. N®t Profit / (Loss) from Ordinary ActlvltlosAfterTax(F-G) 1,46,886 1,32,370 1,21,288 2,79,256 2,38,157 4,36,860 I. Extr aordlnary Items (not of tax ®xp®n8®) J. N Profit / (Loss) for the period (H-I) 1,46,886 1,32,370 1,21,288 2,79,256 2,38,157 4,36,860 5 Pa(Faid-up equity share capitalcovalueOf{10/-perShare) 9,05,140 9,05,140 9,05,140 9,05,140 9,05,140 9,05,140 6 Reserves excluding revaluation reserves (as perbalancesheetofpreviousaccountingyear) 25,55,824 7 Ana ytical Ratios (i) Percentage of shares held byGovernmentofIndia 81.19% 81.19% 89.27% 81.19% 89.27% 89.27% (ii) Caoital Adequacy Ratio-Basel Ill (%) 17.68% 18.28% 17.34% 17.68% 17.34% 17.91% (a) CET 1 Ffatio (a/a) 15.97% 16.54% 14.98% 15.97% 14.98% 15.61% (b) Additional Tier 1 Ratio (%) (iii) (a) Basic Earning per Sliaro(in < )beforeandafterExtraordinaryItems, Net of TaxExpensernotannualisedl 1.62 1.46 1.34 3.09 2.63 4.83 (b) D[Iutod Earning per Share(in i )beforeandafterExtraordinaryItems, Net of TaxEXDensernotannualisedl 1.62 1,46 1.34 3.09 2.63 4.83 (iv) (a) Amount of Gross Non-performing Assets 9,10,853 9,22,545 8,82,702 9,10,853 8,82,702 9,18,504 (b) Amount of Net Non-Performing Assets 1,14,605 1,71,482 1,36,367 1,14,605 1,36,367 1,66,586 (c) % of Gross Non-performing Assets 2.39% 2.60% 3.01% 2.39% 3.01% 2.67% (d) % of Net Non-Performing Assets 0.31% 0.49% 0.48% 0.31% 0.48% 0.49% (v) Return on Assets (Annualised) (%) 1.03% 1.00% 1.01% 1.02% 1.02% 0.89% (v Networth (excluding Revaluation Reserve) 37,25,096 36,57,258 34,12,602 37,25,096 34,12,602 34,59,972 (vi ) Pebr Equity Ratio 0.22 0.06 0.15 0.22 0.15 0.08 (vi ) Outstanding Reedemable Preference Shares (ix) Capifal Redemption Reserve/DebentureRedemptionReserve (x) Paid-uD Debt Cai)ital/Outsfandjng Debt"*(%) 3.92% 5.29% 12.39% 3.92% 12.39% 4.76% (x Total Debt"* to Total Assets (%) 6,41% 5.09% 2.40% 6,410/a 2.40% 5.73% (x ) Operating Margin (%) 19.33% 20.47% 17.48% 19.87% 19.88% 20.02% (Xi Net Profit Margin (%) 12.51% 12.40% 11,88% 12.46% 11.58% 10.32% " Debt represents borrowings with residual marurity Of more than one year. ..* Total Debt and Outstanding Debt represent total borrowings Of the Bank. Note 1 : Disclosure Of Interest Servico Covorage Ratio and Debt Service Coverage Ra6o is not applicablo to Bank. Note 2 : Figures Of the previous periods have been regrouped/reclassified whorover considered necessary to conform to current penod classification. MAI]#tryDofr as Plac® : Mumbai Date : October 17, 2026 Executive Director KAI,YAN KUM AR MAI`iAGING DIREcroR & cEo Executive Director
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|O|ITiEfr-jij-i.'.iFHltELH E©.c: I I- 1 ri A L_ i c> y 0 `. a . N .I i3 ` .- i 1 CENTFL^L BANK OF INDIA STANDALONE SEGIVIENT REPORT FOR TllE au^RTER AND HALF YEAR ENDED SEIFT 3o. 2o26 ft 'h |,kl,) Sl.NO, Partlculars Quarter Ended Half Year Ended Year Ended Rewlewed Revlew.d Revlewed Rchow.a Rewlewed Audlted so.a®.2oz6 90.06.2026 30.09.2025 sO.09.Z026 sO.09.20Z5 31.03.2026 A. Seizmerut F`.venue 1. Treasurv ODeratlons 334,cos 334,183 360,781 668.788 706.945 1.355.683 2. Retall BanklnA ODeratlons 511,096 506,706 434,677 1.017,802 890.9G4 1.846.245 3. Wholesale Bankfnf[ ODeratlons 323,940 223.625 222,962 547.565 453.030 983.145 4. Other Banklnfz operations 5. unallocated 4,080 3,285 2,811 7.365 6.245 49.069 Tctal 1.179.721 1.067.799 1.021.231 2.241.S20 2.057.lap 4.2a4.142 Less: I nter SeF!ment F`e`/enue Iricome Fr\om ODeratlons 1.173.721 1.067.799 1.021.231 2.241.520 2.057.184 4.234.142 a. Selme rut R®sultsf profltf+)/Lo.a(-I 1. Treasury OI]eratlons 79,256 62,126 45,357 141.382 129.959 208.607 2. Retall Banklnf ODeratlons 38,094 137,710 77.261 175.8CW 131.027 281.745 3. Wholesale Banklnil 0oeratlons 60,127 (13,9141 31.506 46.213 85.167 151.272 4. Other BanklnA ODeratlons 5. unallocated (6,921) (7,4771 (6.976) '14.398) '20.718) 1.810 Tcta' 170.556 17®.445 147.14€ a49.ooi 325.435 GAS.434 tlll Other Un-allocable Income/Expenditure Total I.roflt Before Tax 170.556 178.44S 147.148 349.001 325.435 GAS.434 I ncome Tax 23,670 46,075 25,860 69.745 87.278 206.574 Net Pi.aft/lLossl 146.e86 132.370 121.zee Z79.2S6 2ae.157 436.860 C. S.Inert Ass.ts 1. Treasurv Ooeratlons 21,290,882 19,740,964 20,451,758 21.290.882 20.451.758 21.176.825 2. Ftetall BanklnA Oz)eratlons 23,385.184 21.485,732 18,871,421 23.385.184 18.871.421 20.619.190 3. Wholesale Banklnfz OE)eratlons 14,175,090 13,583,539 9,918,386 14.175.090 9.918,386 12.181.087 4. Other Banklnf! ODeratlons 5. Unallocated Assets eeo,leo 890,8cO 1,093,427 880.160 1.093.427 970.854 Ttrtal 59.731.316 S5.701.115 50.334.992 59.731.316 50.3a4.992 54.947.956 D. Seizmerr( llabllltles 1. Treasun/ Ooeratlons 20,944,531 19,626,663 19,925,607 20.9«.531 19.925.607 20.130.970 2. Retall Efankln.I operations 21,502,256 19,578,874 17,308,127 21.502.256 17.308,127 18.846.871 3. Wholesale Banklniz OI)eratlons 13,175,340 12,452,723 9,298,529 13.175.340 9.298.529 12.123.060 4. Other Banklnf[ OE)eratlons 5. unallocated uabllltles Total 55.6z2.i2e 51.65e.2cO 46.532.263 55.622.i2e 46.532.263 51.loo.901 I. Carlltal EmDlo`/ed 1. Treasurv ODeratlons 346.351 114.301 526.151 346.351 526.151 1.a45.855 2. Retall BanklnA ODeratlons 1.882.928 1.906.858 1.563.294 1.882.928 1.563.294 1.772.319 3. Wholesale Banklnfz OEieratlons 999.749 1.130,816 619.857 999.749 619.857 58.027 4. Other Banklnf! Ooeratlons 5. unallocated 880.160 890.880 1.093.427 880.leo 1.093.427 970.854 Total 4.log.lee 4.Ou2JB55 3£02.729 4.ia®.188 3.cO2.729 )"7.05S a EOER^piiicAL sEGlw ENrs Quert®r Ended llalf Ye.I Ertded Year Ended R®wlewed Bedewed Revlewed Revlewed Rofow.d Audlted 30.09.2026 30.06.2026 30.09.20Z5 ]O.09.20Z6 30.09.Z025 31.03.2026 1 Revenue a Domestic 1,165.179 1,067,316 1,021,231 2,232,495 2,057,184 4,234,142 b I nternatlonal 8,543 483 9,026 Total 1,173,721 1,067,799 1.021.231 2,Z41,5ZO 2.057,1cO 4qu,142 2 Assets a Domestic 58,705,407 55,634,442 50,334,992 58,705,407 50.334,992 54,947,956 b I nternatlonal 1,025,909 66,673 1,025,909 Total 59,731,316 55,701,115 50,3a4,992 59,731,316 5Ofa4,992 54,947,95€ I ) The Bank has recogTLiscd Treasury operators. Corporate/Wholesat: Banking and Rctafl Baulcing as pr-ry raportng seg)rents. .tonfstr" and '1memat]onal" as secondaT)//ggographi: segrnems for the purpose ofcorrphncc `ith AS-17 on seglTem Raporthg issued by lcAJ 2) Segmem Revemie and Expertses ha`;e been appoltDned on the basis of the segrnem assets, wherever diect albcatpn is irot possbE. 3) Imermt]c>nal Finnein] Ser`foe Center Banking Unl (IBU) tias been opcrat]ortal duriig FY 2026-27 onbr, hence lmemat]onal scgTltm reporting is trot applisabE for F¥ 2025-26 4) F_s ofp~us year/pend have been reopeprd wherever condcred neccsay toriitrm; C#bssrfeaton fl aLI `' a,Ti5TRAI.I ICRISHNA n4AIIENDRA DOHARE I. RATAN KUMAR HceDtl`-. Dli-.cto r EI.cD.f`'. I}[t..c.®r II.ctitl`'. I)lr.ctol. en\ICAI.yAr`r KlmlAR A,IANAGING DIRE:CTOR & cEo :I:c®e::OMctu:7T:026 ,© edrfeEEha . _pR> rfffg4L`
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I a IriE-tiI.i¥¥lTiil 5I-I:±±±±LA L I C} Y a u S I N C E 1 9 1 1 CENTIRAL BAr`IK oF INDIA STANDALONE CASH FLO`^/ STATEIVIENT FOFt THE HALF YEAF` ENDED SEPT 30, 2026 « ln Lakh)Sn Particulars 3009-26 3009-25 AI„ CASH FLOW FROIVI OPERATII`lG ACTIVITIES 349,001.0024,469.94 325.435.0029,912.00hl®t Proflt/(Loss) before taxes Ad[ustm®nts for: Pepreciatfon on fixed assets depreciation on investrTents (including on matured debentures) (35, 505.19) (578.00)Increase/(decrease) in faeserves on account of Fair Valuation of lnvesti'nents (17,123. 81 ) (49,830.00)Bad lbebts w ritten off/Provision in respect of non performing assets 83,629.80 61,129.00 F+ovisfon for Standard Assets 41 , 360 . 62 21.125.00 Provision for Cxher iterr6 (Net) 6,951.49 1, 848. 00 (Profit) / Loss on sale of fixed assets (t`let) 226.974§3.010.824,058,659.55606.00 I"/idend Faeceived froni Subs idiaries (ZOO.00) Sub total 389'"7.003,175,332.00Ad)ustm®nts for : hcrease / (decrease) in lbeposits hcrease / (decrease) in Borrow ings 680,597.38 (948.767.00)hcrease / (decrease) in Chher Liabilities and Provisions (259,392.03) 21,238.85 (increase) / decrease in Advances (3,690,870.08) (421, 582. 00) (Increase) / decrease in hvestments (636.059.89) ( 1 , 902 . 242 . 61 ) (hcrease) / decrease in Other Assets (81, 761.11 ) (29, 381. 00) I]rect Taxes paid (Net of Faefund etc.) 22,678.37 (42.525.00)Sub total 93,852.18 (147,926.95)i`ET cAsii FLOw lroivi OpERATiNc ACTiviTil= (A) -,863.00 241,520.05 B CAsll FLOW FFsOIvl ll`I\/ESTING ACTIVITIES 123.00 116-00Sale / Dsposal of Plxed Assets F`-rchase of Plxed Assets (28.585.00) ( 13, 806 , 00) Dvidend Faeceived from Associates/Subs idiaries 200 00 ( hvestrnent)/Sale in Associate/Subsidiaries (7,430.00) 16,667.61 i`ET CASH FLow FF`olvl INVESTmiG ACTiviTIEs (B) (35, 892. 00) 3.177.61 C CASH FLOw FROM PINAr`iciNG ACTlviTiis (35, 076. 65) Share Capital (Including Share Premium) Share Application Money Dvidend -Equity shares hcluding hterim B`/idend I`IET CASH FLOw lroM Fli`IANciNG ACTlviTiEs (c) (35,076.65} D l`bt [ncroas® In cash a cash ®aulval®nts (A + B + C) or (F -I? 510,971.00 209.621.00 EF CASH Ahl) cAsii EnuivALEhlTs AT THE Blseml`nNG OF THE yEAF` 1, 895, 286 . 00 2,293,110.00Cash and Bank Balance w ith let Balance w ith Banks and Money at Call and Short Notice 1, 888,168. 00 1, 326, 575 . 00 l`b( cash and cash oqulval®nts at the b®9lnnlrtg of the year (B 3,783,454.00 3,619,6e5.00 1. 780. 952 . 00 2,170.011. 00 CASH Ahi] CASH EnulvALERfTs AT THE EhiD OF THE yEAR Cash and Bank Balance w ith F€l Balance w ith Banks and Mc>ney at Call and Short r`lotice 2,513.473.00 1, 659, 295 . 00 I`let casri and cash ®aulval®nte at the end of the year (Fl 4,294,425.00 3 . 829. 306. 00 Notes: 1) The abo\e Cash Flow Statement has been prepared under the .Indirect Method' as set out in the Accounting Standard -3 on Cash Flow Statement issued by lcAl. 2) Previous year figures ha\e been regrouped/rearranged to conform to those of current years. a,Le I whoLhI VHURALI Inls A MAIEroRA DO I. RATAN K"ak Exceuti+'e DirectoL. Elecutive D reetot. E=ectLth'e Dircetoi'\ KALYAN KUMAR MAr`IAGING DIRECTOR & cEo Plac®: Mumbal Date : oct 17, 2o26 :© 4dfiha :d5FEEb` di04T` -
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s TATEMENT oF As S Ers AND IIABIIITIEs ({ iD IBkhs) PARTICUI.ARS STANDALONE CONSOLIDATD Asat Asa( 30.09.2026 30.09.2025 31.03.2026 30.09.2026 30.09.2025 31.03.2026 Reviewed Reviewed Audited Reviewed Reviewed Audited cAplTAL & LIABIIITlrs Capital 9,05,140 9,05,140 9,05,140 9,05,140 9,05,140 9,05,140 Reserves and Surplus 32,04,048 28.97,590 29,41,915 32,58,712 29,48,350 29,94,974 M inorities Interest 9,514 8,962 9,218 Deposits 5,08,50,908 4,44,45,046 4,67,92,249 5,08,86,256 4,45,05,298 4,68,44,400 Borrowings 38,28,680 12,10,427 31.48.082 38,90,814 12,39,856 31,85,421 Other Liabilities and Provisions 9,42,540 8,76,789 11,60,570 9,51,752 8,84,652 11,68,762 TOTAL 5,97,31,316 S,03£4,992 5,49,47,9S6 5,99,02,188 5,04,92,258 5,S1.07,915 AS S ITS Cash and Balances with Reserve BankofIndia 17.80.952 21,70,01 1 18,95,286 17,80,955 21,70,017 18,95,296 Balances with Banks and Money atCallandShortNotice 25,13,473 16,59,295 18,88,168 25,13,509 16,60,795 18.88,175 Investments 1 .64, 1 I ,0 I 0 I,60,29,678 I,57,32,015 1,64,47,470 I,60,64,198 I,57,67,443 Advances 3,73,06,969 2,86,02,440 3,36,99,728 3,J4,3J.J36 2,87,20,873 3,38,20,860 Fixed Assets 5,16,235 5,03,600 5,12,470 5,16,331 5.03,679 5,12,552 Other Assets 12,02,677 13,69,968 12,20,290 12,05,298 13.71,807 12,22,700 Goodwill on Consolidation 889 889 889 TOTAL S'97£|J16 S,03,34,992 5,49,47,956 5,99,02,188 S,04,92,258 S,S1,07,915 NOTES T0 ACCOUNTS FORMING PART 0F UNAUDITED/ REVIEWED STANDALONE & CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER & HALF YEAR ENDED SEPTEMBER 30, 2026. 1. The above Financial Results of the Bank for the Quarter & Half year ended 30.09.2026 have been reviewed and recommended by the Audit Committee of the Board and approved by the Board of Directors of the Bank in their respective meeting held on October 17th, 2026. These results have been reviewed by the Statutory Central Auditors of the Bank as per the requirements of Securities & Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended thereafter. 2. The Consolidated Financial Results include the financial results of two subsidiaries and the share of its profit in Banks's share profit / Loss in three associates as per details given below: Type of Associations Name of the Entity Proportion ofOwnershipofBank Subsidiaries Cent Bank Home Finance Limited 64.40% Cent Bank Financial Services Limited loo.00% Associates* Generali Central Insurance Company Limited (GCICL) 26.00% Generali Central Life Insurance Company Limited (GCLICL) 25.32% Associates- Foreign Indo - Zambia Bank, Zambia 20.00% * Investment in Associates: During the quarter ended September 30, 2026, the Bank subscribed to additional equity capital in the following companies, pursuant to which its shareholding increased as under:
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© EEffliE,iFi|iT|frETh±Thrrm"\rrf.r- Name of Associate Entity % Shareholding as % Shareholding as on 30.06.2026 on 30.09.2026 Generali Central Insurance Company Limited (GCICL) 24.910/o 26.00% Generali Central Life Insurance Company Limited (GCLICL) 25.27o/o 25.32% 3. The Standalone / Consolidated Financial Results for the Quater and Half Year ended September 30, 2026, have been prepared in accordance with Recognition and measurement principals laid down in Accounting Standards issued by the Institute of Chartered Accountants of India (ICAI). The Consolidated Financial Results have been prepared in accordance with the Accounting Standard 21 "Consolidated Financial Statements" and Accounting Standard 23 "Accounting for Investments in Associates in Consolidated financial Statements", using the equity method for associates and line by line consolidation for subsidiaries, issued by ICAI and the guidelines issued by the Reserve Bank of India. The financial statements are in accordance with relevant provisions of the Banking Regulation Act, 1949 and circulars, guidelines and directions issued by the RBI from time to time and in compliance with presentation and disclosure requirements of regulation 33 and 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("the Listing Regulations") as amended including relevant circulars issued by the SEBI from time to time. 4. The Significant Accounting Policies followed for preparation of financial results for the quarter ended September 30, 2026 are consistent with those followed for the preparation of financial statements for the year ended March 31, 2026 except for the Bank's accounting policy relating to the Investment Fluctuation Reserve (IFR). Pursuant to the Reserve Bank of India (Commercial Banks-Classification ,valuation and operation of Investment portfolio) Direction,2025 (RBI/DOR/2025-26/162, DOR.MRG.REC.No.8 I /00-00-001/2025-26 dated November 28, 2025) as amended by the Reverse Bank of India (Commercial Banks-Classification ,valuation and operation of Investment portfolio) Second amendment Direction ,2026 (rbi/2026-27/83, DOR.MRG.REC.No.71 /00-00-00 I /2026-27 dated May 18, 2026),the requirement to maintain the IFR has been discontinued with effeet from May 18, 2026.Accordingly ,during Quarter I ,the Bank has transferred the balance of {1,19,498.34 Lakhs standing in the IFR as on May 17, 2026 to the Profit & Loss account, in accordance with the aforesaid Directions. The transfer is an appropriation within reserve and has no impact on the profit for the quarter and half year ended September 30'2026. 5. The Consolidated Financial Results for the Group for the Quarter and Half Year ended September 30, 2026, have been arrived at after considering provisions for Non-Performing Assets, Restructured Accounts, Standard Assets,(including COVID-19 related provisions) Standard Derivative Exposures and Investment, Depreciation, etc. as applicable in the case of the Parent Bank, which have been made on the basis of extant guidelines on Prudential Norms for Income Recognition, Asset Classification, Provisioning norms issued by the Reserve Bank of India and in case of the subsidiary Cent Bank Home Finance Limited as per the Income Recognition and Provisions on Loans and Advances norms laid down by National Housing Bank (NHB) and judicial pronouncement, applicable laws & regulations and accounting standards issued by the ICAI. Further, the amount of advances of the subsidiary is not material in nature at the group level. 6. The current tax and deferred tax have been determined in accordance with the provisions of the Income-tax Act, 2025 and Accounting Standard 22 "Accounting for Taxes on Income", issued by the ICAI. Based on the management's assessment of the recoverability of deferred tax assets against future taxable income and timing differences, a Net Deferred Tax Asset of { 1,95 ,917 lakh has been recognized in the standalone financial statements as at September 30, 2026 (€ 2,18,1211alch as at September 30, 2025). Similarly, a Net Deferred Tax Asset of < 1,95,015 lakh has been recognized in the consolidated financial statements as at September 30, 2026 (€ 2,17,052 lalch as at September 30, 2025). 7. Other Income includes income / commission from non-fund-based banking activities, fees, foreign exchange earnings, profit / loss on sale of assets, profit / loss I subsidiaries, MTM on investments under FVTPL/IIFT, from investments. dividends from
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©8. Based on the available financial statements and the declaration from borrowers, the Bank has estimated the provision towards Unhedged Foreign Currency Exposure to their constituents in terms of RBI's Credit Risk Management Direetious vide RBI/DOR/2025-26/157 DOR.CRE.REC.76/07-02-001 /2025-26 dated November 28, 2025 (Updated as on July 01, 2026), the Bank holds a provision of { 307 lakhs as on September 30, 2026 (€1,031 Lalch as on September 30, 2025). 9. As per RBI guidelines, RBI' Financial Statements; Presentation and Disclosure Directions vide RBI/DOR./2025- 26/167 ACC.REC. No.86/21.04.018/2025-26 dated November 28, 2025 (Updated as on July 01, 2026), the Other Income exceeding 1 % of the total income is as under: - For the Half Year ended September 30, 2026 Item under theSub-head/HeadAmount(€inlakh)0/o Any Item under the subhead "Miscellaneous Income Under the head Recovery in 66,453.12 2.96 "Other hcome" Exceeding 1 % (one per cent) of Total Income Write-Off 10. Details of the outstanding Basel Ill Compliant Tier 11 Bonds as of September 30, 2026, are as under: - S. No, Series ({ in ]akh) 1 Basel HI Compliant Tier 11 Bonds (Series VI) 1,50,000.00 Total 1'50'000.00 During the Quarter & Half Year ended September 30,2026 the Bank has neither issued nor redeemed any bond. 11. The Provision Coverage Ratio (PCR) as of September 30, 2026, of the Bank is 97.16% (96.88°/o as of September 30' 2025). 12. In accordance with Reserve Bank of India's Prudential Norms on Capital Adequacy vide RBI/DOR/2025-26/151 DOR.CAP.REC.70/2l-01-002/2025-26 dated November 28, 2025 (updated as on July 01, 2026), the banks are required to make Pillar 3 disclosures Including Leverage Ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio under Basel Ill capital requirements. These disclosures are being made available on the Parent Bank's website https://centralbank.bank.in/en/regulatory_disclosures along with the publication of financial results. These disclosures have not been subjected to review by the Statutory Central Auditors of the Parent Bank. 13. Details of Resolution Plan implementation under the Resolution Framework for COVID-19 related stress as per RBI circular dated August 06, 2020 (Resolution Framework 1.0) and May 05, 2021 (Resolution Framework 2.0) as on September 30, 2026: Type of borrower Exposure to account s Upgradation Of (A)' Of(A) Of(A) Exposure to cl as si fi ed as Standard during the aggregate amoun amount accounts classified consequent to Half Year debt that t paid by as Standard implementation of resolution slipped written the consequent to plan-Position as at the end of into NPA off borrowers implementation of the previous half-year(A) during the during during the resoluti on plan - half year thehalfyearhalf year(***)Position as at theendofthishalfyear (A)„ Personal Loans # 1,19,523 450 3,670 0 6956 1,09,348 Corporate persons* 38,8021 756 262 0 -.-1433 37862 6R3; +,,Erse_,,-`•.*C3;`5`NI2'}h,€®
Page 15
© a IELZHi=iF|r_T|| I Cerfu/ 4onk of/rd'o Of which MSMEs 13,874 289 262 0 1,036 12 865 Others 95,891 990 2,012 0 7,660 87 210 Total 2,54,216 2,I 96 5,944 0 16,049 2,34 420 *As defined in Seetion 3(7) of the Insolvency and Bankruptcy Code, 2016. ** Includes accounts where request received till September 30th 2021 and implemented subsequently. Customer-wise exposure has been taken in disclosure. *** Includes net change in exposure during the period. # Personal loan represents retail advances. In accordance with RBI Circular no. DBR No. BP.BC.18/21.04.048/2018-19 dated January 01,2019, DOR No. BP.BC.34/21.04.048/2019-20 dated Februny 11, 2020 and REI/2020-21/17 DOR No. BP. BC/4/21.04.048/2020-21 dated August 6, 2020 on "Relief for MSME borrowers either exempted or registered under Goods and Services Tax (GST), the details of MSME restructured accounts as on 30S` September, 2026 are as under: No. of Accounts restructured #haount (€ in lakh) 8,324 1,28,136.03 # Standard Restructured accounts -exposure Note: The Bank has maintained additional provision on standard restructured accounts at 5% & loo/o whichever applicable. 14. In accordance with Reserve Bank of India's Directions on Income Recognition, Asset Classification and Provisioning vide RBI/DOR/2025-26/164 DOR.STR.REC.83./21.04.048/2025-26 dated November 28, 2025 (updated as on July 01, 2026) and Financial Statements; Presentation and Disclosure Directions vide RBIDOR/2025-26/167 DOR.ACC.REC.No.86/21.04.018/2025-26 dated November 28, 2025 (Updated as on July 01, 2026), details of Fraud and Provision are as below:- (€ in lakh) Particulars During the Quarter During the Quarter ended 30.09.2026 ended 30.09.2025 Number o f FraudsReported Borrowal 04 21 Non-Borrowal 03 11 Digital Frauds 00 00 Total 07 32 Amount involved in Frauds Borrowal 3,241 37,999 Non-Borrowal 312 524 Digital Frauds 0.00 0.00 Total 3'553 38'523 Amount of Provision madeforsuchfrauds Borrowal 3,241 31,376 Non-Borrowal 243 451 Digital Frauds 0.00 0.00 Total 3'484 31,827 Amount of unamortized Provisions debited from other Nil Nil reserves as at the end of the Quarter 15.As per RBI's Directions on Resolution of Stressed Assets vide RBI/DOR/2025-26/165 DOR.STR.REC.84/21.04.048/2025-26 dated November 28, 2025 (updated as on July 01, 2026), banks are required to n\make additional provisions under Chapter IV -A a resolution plan has not been imp itional provisioning in respect of borrower accounts where he outstanding in such accounts as at FRN NO. 000483C
Page 16
©September 30, 2026 is € 45,447 Lakh (€32,625 Lakh as at September 30, 2025,) and in compliance with the above RBI Directions, the Bank has held an additional provision of € 8,331 lakh as at September 30, 2026, (€9,815lakh as at September 30, 2025) and holds total provision of {27,496 lakh as at September 30, 2026, ({14,477 lakh as at September 30, 2025). 16. Details of loans transferred/ acquired during the Quarter ended September 30, 2026, as per RBI's Directions on Transfer and Distribution of Credit Risk issued vide RBI/DOR/2025 -26/ 159 DOR.STR.REC.No.78/21.04.048/2025-26 dated November 28, 2025 and RBI's Financial Statements; Presentation and Disclosure Directions vide RBI/DOR/2025-26/ 167 DOR.ACC.REC.No.86/21.04.018/2025-26 dated November 28, 2025 (Updated as on July 01, 2026) are given below: I. Details of non-performing assets (NPA) transferred during the Quarter ended september 30, 2026: (€ in lakh) Particulars To ARC / NARCL To Permitted Transferees To Other Transferees Quarter Quarter Quarter Quarter Quarter Quarter Ended Ended Ended Ended Ended Ended 30.09.2026 30.09.2025 30.09.2026 30.09.2025 30.09.2026 30.09.2025 No. of Accounts 1 I NIL NIL NIL NIL Aggregate princ ipaloutstandingofloanstransferred 322 3,589 Weighted averageresidualtenoroftheloanstransferred 0 0 Net book value ofloanstransferred(atthetimeoftransfer) 0 0 AggregateConsideration 1 ,222 701 Additionalconsiderationrealizedinrespeet ofaccountstransferredinearlieryears 914 15 11. The Bank has not acquired any NPA loan during the Quarter and Half Year ended september 30, 2026. Ill. Details of standard Assets Acquired through assignment/Novation and Loan participation (Co-Lending) : ({ in lakh) Sn Particulars Quarter Ended Quarter Ended Year Ended 30.09.2026 30.09.2025 31.03.2026 1 No. of accounts Purchased during the I,36,843 42,850 1,41,977 Quarter-2 (FY 2026-27) 2 Aggregate outstanding (< in lalch) 2,01,301 1,79,085 4,59,249 3 Weighted average maturity I I.29 91.28 107.00 (in months) 4 Weighted average holding period NA NA NA (in months) 5 Retention of beneficial economic interest 22.1 I % 20.% 20.40% 6 Coverage of tangible security 100% 86.57% 99.12% 7 Rat ing-w i se di stribj±tian>sf ratedJaFRS` .rf- rs t!-6A\r\ NA NA
Page 17
©IV. Details of Standard Assets Acquired through Assignment / Novation and Loan Participation (Pool Buy-out): (€ in lakh) Sn Particulars Quarter Ended Quarter Ended Year Ended 30.09.2026 30.09.2025 31.03.2026 1 No. of accounts Purchased during the Qualler-2 15,604 1,15,893 2,16,006 (FY 2026-27) 2 Aggregate outstanding (€ in lakh) 49,738 1,48,066 3,26,358 3 Weighted average maturity 20.50 13.97 22.61 (in months) 4 Weighted average holding period 3.20 4.03 4.16(in months) 5 Retention of beneficial economic interest 10% 10% 10% 6 Coverage of tangible security 1000/o 100% 100% 7 Rating-wise distribution of rated loans NA NA NA The following tables set forth, for the periods indicated, necessary details of co-Lending Arrangements (CLAs) on an aggregate basis as per RBI's Directions on Transfer and Distribution of Credit Risk issued vide RBIDOR/2025-26/159 DOR.STR.REC.No.78/21.04.048/2025-26 dated November 28, 2025 and RBI's Financial Statements; Presentation and Disclosure Directions vide RBI/DOR/2025-26/167 DOR.ACC.REC.No.86/21.04.018/2025-26 dated November 28, 2025 (Updated as on July 01, 2026): Sr.No. Particulars Quarter Ended 30.09.2026 1 No. of Co-Lending Partner Under Revised Co-Lending 2Anangement 2 No of Accounts Purchased during the period 1,36,843 3 Outstanding of accounts purchased during the period 2,01,301 4 Aggregate O/S as on Quarter End 3,01,651 5 Weighted Avg Rate of Interest 9.70 6 Fees Charged during the period Nil 7 Fees paid during the period Nil 8 Sectors/Segment under CLA No Ant Retail I,42,916 2,69,459 Agriculture 28508 30,183 MSME 721 2,009 Corporate Nil Nil 9 Aggregate Performance of Loan Under CLA No intStandard 172145 3,01,651 NPA Nil Nil 10 Default Loss Guarantee Quantum of DLG Nil Nil % of Portfolio covered Nil Nil Amount invoked during the period Nil Nil Outstanding DLG as at the end of period Nil Nil V. Bank is holding an investment of { 72,347 Lakh in security Reeeipts as at september 30, 2026. Rating-wise distribution of the same is as EN No. 000483C (€ in lakh)
Page 18
jgrE lELEH-E=TELT]iTt"-+=:iTT:i\:r:TiT'n\I:T:rr- Rating of SR Carrying Value as on30.09.2026 Carrying Value as on 30.09.2025 Rl+ 960 5,151 R1 25,928 16,987 R2 - 5,611 R3 0.00 0.00 R4 0.00 0.00 R5 0.00 0.00 Rating withdrawn 45,460 47,654 Unrated 0 6,285 Total 72£47 81,688 17. Notes on Segment Reporting: - A. As per the guidelines of RBI on compliance with the Accounting Standards, the Parent Bank has adopted "Treasury Operations", "Wholesale", "Retail" and "Other Banking Operations", as primary business segments & Domestic and lntemational as Secondary / Geographical segment for compliance with Accounting Standard 17 on Segment Reporting issued by Institute of Chartered Accountants of India (ICAI). 8. Segment Revenue represents revenue from External Customers. C. Segment Revenue and Expenses have been apportioned based on the Segment Assets, wherever direct allocation is not possible. D. Capital employed for each segment has been allocated proportionately to assets of the respective segment. E. As per RBI's Financial Statements; Presentation and Disclosure Directions vide RBI/DOR/2025-26/167 DOR.ACC.REC.No.86/21.04.018/2025-26 dated November 28, 2025 (Updated as on July 01, 2026), for disclosure under Accounting Standard 17, Segment reporting, `Digital Banking' has been identified as a sub- segment under Retail Banking by the Reserve Bank of India (RBI). However, as the proposed Digital Banking Unit (DBU) of the Bank has not yet commenced operations, hence applicability of the said reporting will be on approval of RBI. 18. Status of Investors' complaints received during the Half Year ended September 30, 2026: Sr. No, Particulars No. of complaints I. No. of Complaints pending at the beginning of the Half Year 0 2. No. of Complaints received during the Half Year 2 3. No. of Complaints disposed of during the Half Year 2 4. No. of Complaints unresolved at the end of the Half Year 0 19. Details of penalties imposed by Reserve Bank of lndia during the Quarter september 30, 2026: (€ in Lakh) Sr. Under provision of Act which the Function for which penalty AmountNo, pem]ty is imposed mposed 1 Banking Regulation Act, 1949s®;®asaer<s+stsEisRE,Regulatory violation of guidelines - A" Cash Dry Out 4.80 CH©Ches-o#` 20.82 fflhiBRao\ 19.38 .REEN` `RE`
Page 19
/y _`( _±_ I .ZHLH. 1tl+finIICenfro/BonkoflrfuI Incognito Visit 0.20 Sub Total 45.20 2 Payment and Settlement Systems 0.00Act, 2007 3 Govt Securities Act 2006 0.00 4 Others OVCDRC / CDRF) 4.42 Grand Total 49.62 20. The details of fund transferred to the DEAF under the disclosure requirement as per RBI's Financial Statements; Presentation and Disclosure Directions vide RBI/DOR/2025-26/167 DOR.ACC.REC.No.86/21.04.018/2025-26 dated November 28, 2025 (Updated as on July 01, 2026) is as under: - (€ in lakh) Particulars Quarter ended Quarter ended Year ended 30.09.2026 30.09.2025 31.03.2026 i) Opening balance of DEAF 2,31,714 2,09,193 2,01,423 ii) Add: Amount transferred to DEAF 9,779 10,1 75 37,503 during the period iii) Less : Amount reimbursement by 1,157 5,697 16,855 DEAF towards claims iv) Closing balance of DEAF 2,40,336 2,13,671 2,22,071 21. With reference to the RBI's Directions on Transfer and Distribution of Credit RIsk issued vide RBI/DORI2025- 26/159 DOR.STR.REC.No.78/21.04.048/2025-26 dated November 28, 2025, Interbank Participation Certificate (IBPC) lending has been undertaken by the Bank. The outstanding balance of IBPC as on September 30, 2026 is { I,54,000 Lakh. 22.As per RBI's Directious on Resolution of Stressed Assets vide RBI/DOR/2025-26/165 DOR.STR.REC.84/21.04.048/2025-26 dated November 28, 2025 (updated as on July 01, 2026) and disclosure requirement as per RBI' s Financial Statements; Presentation and Disclosure Directions vide RBI/DORI2025 -26/ 167 DOR.ACC.REC.No.86/21.04.018/2025-26 dated November 28, 2025 (Updated as on July 01, 2026) on Projeet Finance, the details of resolution plans implemented are as under: (< in Lakh) SI No. Item Description Number ofaccountsTotaloutstanding 1 Project under implementation accounts at the beginning of the quarter 239 6,17,407.70 2 Proj ect under implementation accounts sanctioned during of the quarter 45 15,970.44 3. Project under implementation accounts where DCCO has been achieved 28 74,003.09 during the quarter 4 Project under implementation accounts at the end of the quarter ( I -2-3) 211 5,43,404.60 5 Out of 4- accounts in respect of which resolution process involving 5 extensions in original / extended DCCO, as the case may be, has been invoked 5.1 Out of 5- accounts in respect of which resolution plan has been implemented 5.2 Out of 5-accounts in respect of which resolution plan is under implemented - - 5.3 Out of 5- accounts in respect of which resolution plan has failed - - 6 Out of 5- accounts in respect of which resolution process involving 6 extergivinorigix . nd a as t,bejifequay be, has been
Page 20
zffi a IEiL-_[7FfiTFlr*Th V ICT:7,7:7f. I:T;7 fR JAY:in invoked due to change in scope and size of the project 7 Out of 5- accounts in respect of which cost overnm associated with extensions in original / extended DCCO, as the case may be, was funded 7.1 Out of 7- accounts where SBCF was sanctioned during financial closure and renewed continuously 7.2 Out of 7- accounts where SBCF was not pre sanctioned or renewed continuously 8 Out of 4- accounts in respect of which resolution process not involving extensions in original / extended DCCO, as the case may be, has been invoked 8.I Out of 8- accounts in respect of which resolution plan has been implemented 8.2 Out of 8- accounts in respect of which resolution plan is under implemented 8.3 Out of 8- accounts in respect of which resolution plan has failed 23.TheBankhasexposuretolndialnfrastructureFinanceCompanyLimited(IIFCL)andRBINomineeDirectoratBank's Board, Shri. Chandradeep Kumar Jha is also serving as Nominee Director in IIFCL. 24. During the Quarter ended September 30,2026, the Bank has undertaken following PSLC transactions in e-Kuber ponal of RBI: (€ in Lakhs) PSLC Category Amount Amount Commission earned Commission paid Sold purchased for Quarter endedSeptember2026 Priority - - - - Weaker Section - - - - Small and Marginal Farmers 50,000 - 1,010 - Agriculture 4,00,000 - 237 - Micro Entelprises - - - - Total 4,50,000 - 1 ,247 - 25. Figures of the previous period have been regrouped / reclassified / realTanged, wherever neeessary, to conform to the culTent period' s classification. EXECUTIVE DIRECTOR Date: October 17, 2026 Place: Mumbai MAHENwlRA@fa= EXECUTIVE DIRECTOR KALYAN KUMAR MANAGING DIRECTOR & CEO E RATAN KUMAR EXECUTIVE DIRECTOR
Page 21
I-I:Imrtyit rl.I r[qLtl EiimuL.hi] Hrl H H Consolldatod Flnanclal Results for the Quarter and Half Year ended Sop 30, 202e +es+ a ln L&kll) pancLIIae C®Re®lldaut Qurfur Ended Hilf Year Ended vow Ended so.o®aeae so.oeaee so.o®aee ae.eeae26 sO.a.20Z5 91.0®"® R,y- Ftw- R- Fled- R,ynnd ndlut 1 Interest earned (a) + (b) + (c) + (d) 1 ,039,389 972,5sO 877,654 2,01 1,979 1,739,992 3,616.770 (a) lntero8t/discount on advanco8fo]lI8 720.495 670,813 569,e98 1,405,308 1 ,Ice,1 17 2,417,739 (b) lnoomo on investmemB 271,929 264,631 258,867 536.560 492,9sO 1.021,422 (c) Interest on belanoe8 `^th Ro8ervo Ehank OfIndiaondotherInterbankfunds38.3co 25,303 45,409 G' ,671 72,946 125,383 (d) Cthers 4,598 3,843 3,eeo 8,„1 7,949 52226 2 Onor I nero lee,o48 98,849 146.975 2ae,B97 324,189 633,058 A 'NCOu E I,+21 1,177.ae7 1,071pe 1,On,,®2® 2,2ae,e7e 2,oe..lei 4„9,e2e 3 lntor®st Expended 622,685 579,395 547.604 1,202,OcO 1 ,es9,779 2.192.605 4 Cboratina Expenges (e) + (I) 328,840 272.41® 297.483 599,259 583,319 1 .205,008 (01 Employees cost 207.713 178,384 '89.710 3e4,o77 373,596 7®0,038 (0 over openatng oxp®nses 119,120 96.055 107,765 215,log 209,723 444,968 8. TOTAL EXPENDITURE (3P(4) 9ro.5o5 e51'el, a,5.ce7 col,91® 1,e53,coo 3,3®7.®1 I (exclud lng Provisions and Condng®ncie8) C. OPEIRA TIIIG PROFIT (AEl) 227.e32 21®'®25 17®,5& „7'S57 4ii'oe3 e62,217 (PToft before Provi8lon8 & Conth9encle8) D. PTeYI| on. (oth.I tl].I. eu) .nd Contln|].ncl...I se.Ou cO'503 31'e22 ee,cO7 e3.e®® 204,e33 (Or wh ch provi8long for Nor-Performing Aesto) 49.164 35,011 14,583 84.175 61.500 153.927 E. Exc.ptl anal un, a,485 0.485 F. P"/ q.a..) from ardln.a/ Acowtl.. tiof®r. Ten 171,ace 17®.122 1,7,®20 sO'620 ®35.®cO e55,eco(Cnga. Ten Expn8es 23.eel 46,227 25,961 70,208 07.Oca 207.518 H. llct Proft / (Leo.) fii®m aHln&ry Acth"co 1,7.517 132.eec 121,®cO 2cO,12 24®'005 Ou.3§1 I. Em®n]ln.ry lt.in. (nut Of dx .xp.n..) J Add: Shae of Frm ln As8oclctco 1,329 (434) 1 ,447 095 3.817 4.720 K L®ss: Share Of Mlnorfty Interest 247 14€ 227 395 445 701 L Nd Prult / a.®co) I®r th. p.ded (IJJ+JJO i4e.5co 132,313 123''7® 2cO.®12 251.377 us2.37e 5 Pajdup oqufty chars caphal 005,140 905,140 905.140 cos,140 905,140 cO5.140 (Face value of I 10/-per eharo) 67 Reerv es ®xcludlng rovalucton reserves (es per 2.608,882balance 9ho®t of pr®vfou8 accounting year) Analyti col Ratios (I) Poroeritago of ehares held byGovommentOflndla 81.19% 81.19% 89.27% 81.19% 89.27% ee.27% (il) CaDftal Adoauacy F`8tl®Besel 111 (%) (a) CET 1 Rdio (%) (b) Addidonal Tler 1 Ratlo (%) (Ill) (a) Beslc Eb®fcoandEXD®n8oIanlng per Share(ln I )afterE"ordlnaryItems, nct of Taxnotannuali8edl 1.64 1.46 1.36 3.10 2.78 §.00 0) Dl[utod Eemlng per Share(ln < )beforeandafterExhoTd]naryItems. not Of TaxEroen8elnotannualleedl 1.64 1.46 1.36 3.10 2.78 5.00 (iv) (a) Amount of Gross Nonpeiloming Assets 919.220 931211 890,112 919,220 890.112 925,eel Tb) Amount Of Nat Nor-Porfermlnn Assets 119,310 176,671 140,813 119,310 140,813 170,020 (c) % Of Grcee Nan-p®homlng A8ecte 2.40% 2.61% 3.02% 2.40% 3.02% 2.67% (d) % Of Nct Nonp®ilormlng AB8ds a.32% 0.51% 0.49% a.32% 0.,9% 0.50% (v) Rctum on Ae8et8 (Anmuall8ed) (%) 1 .05% 0.99% 1.02% 1.02% 1 .07% 0.92% (v') Notworth (oxcludlng Revaluation Reserve endGoodwill) 3,771,565 3,7o2,See 3.455,898 3,771,585 3,455,898 3,sos,414 (vi) Paid ul) debt CaDhal/ Out8tandlna Debt- 3.ee% 5.20% 12.10% 3.ce% 12.10% 4.71% (vlll) Dcht. Eaulty Funo 0.22 0.07 0.15 a.22 a.15 0.08 fix) Total Debt.. to total Assets 8.50% 5.16% 2.48% 6.50% 2.4€% 5.78% (x) ODeratina Manln 19.36% 20.5a% 17.,6% 19.90% 19.e7% 20.05% 'xl) Net Profit Manln 12.G2% 12,35% 11.98% 12.49% 12.15% 10.64% (xll) Out8tandlnq Redeemable Prrfur®nce Share (xill) Capital F`edemption Resorva/D®benturoRedemDtlonReserve CREExe.uthre Dlr\e..or h-DRADO r-KALyAN Kinm blANAGING DIRECTOR & CEO fl/L9<I.RATANmrMAR ' I:|e.tidr. I»r.ctor
Page 23
I a |ITiFb-B¥.HHiHj{H ¥ CENTRAL BANK OF INDIA CONSOLIDATED CASH FLOW STATEMENT FOR THE HALF YEAR ENDED SEPT 30, 2026 ft ln Lakh) Sn Particulars 30€ep-26 30€ep-25 AI11 CASH FLo`^/ FFsoM OpERATlr`iG ACTlvlTiEs 351,37224,486 339,51729,927I`k}t Profit/(Loss) before Taxes & Mlnorlty lnt®rost Adjustm® nts for: depreciation on fixed assets depreciation on investrTents ( including on iTEatured debentures ) (35,505) (578)Increase/(decrease) in lteserves on account of Fair Valuation of Investments ( 17,124) (49,830)Bad Pebts w ritten off/Provision in respect of non perforrring assets 84, 1 75 61, 500 Provision for Standard Assets 41,315 21,103 Provision for Cxher iterms (r`let) 6,953 1,8«(Profit) / Loss on sale of fixed assets (l`let) 227 606 Sub total 455,899 404,089 Adjustm®nts for : 4,041,854 3,178,199hcrease / (lbecrease) in lbeposits Increase / (decrease) in Borrow ings 705,392 (942,108)Increase / (decrease) in Cxher Liabilities and Provisions (258,326) 22,462 (Increase) / decrease in Advances (3, 701, 052) (431, 833) (Increase) / decrease in lnvestrrents (637,092) ( 1 , 915, 062) (Increase) / decrease in Cxher Assets (82.045) (29.493)Drect Taxes Faid (Net of Faefund etc.) 22,284 (43,077)Sub total 91'015 (160,912) NET CASH FLO`^/ FF`OM OPERATING ACTIVITIES (A) Sue.914 243.177 B CASH FLo`^/ FisoM Ir`I\/ESTiNG ACTiv iTiES 123 118Sale / Dsposal of Flxed Assets Pl-rchase of Fixed Assets (28,613) (13,813) Dvidend Ffeceived from Associates/Subsidiaries ( lnvestrrent)/Sale in Associate/Subs idiaries (7,430) 16,668 l`lET CASH FLC»^/ FFtoM INVESTING ACTIVITIIB (B) (35.920) 2'973 C CASH FLC»^/ FF`OM PINANCING ACTIVITIES Share Capital (hcluding Share Premum) Share Application hfoney Proceeds / FaederTption of Subordinated lbebts ller 11 Capital Dvidend - Equity shares hcluding Interim Dvldend (35,077)r`IET CASH FLo`^/ Fisoivl FINAr`iciNG ACTIVITIES (C) (35.077) D l`Iot lncroas® ln cash & cash oqu]vel®nts (A + 8 + C) or (F -E) 510,994 211.073 EF CASH AhlD CASH EQiAVALEbfTs AT T.re BEGlr`Dil`iG oF TLiE yEAFt 1,895, 296 2, 293,143Cash and Bank Balance w ith F3Bl Balance w ith Banks and hfoney at Call and Short r`lotice 1,888,174 1, 326, 597 bet cash and cash oqu[valonts at the beginning of the year (E} 3,783,470 3,619,740 1, 780, 955 2,170, 017 CASH AhiD CASH EmijivALEbrTs AT Titi EalD oF Tt+E WEAR Cash and Bank Balance w ith F3BI Balance w ith Banks and Money at Call and Short l\lotice 2,513,509 1, 660, 795 I`Iet cash and cash ®aujvalonts at the end of the year (F) 4.294,4G4 3,830,812 Notes: 1 ) The above Consolidated Cash Flow Statement has been prepared under the .Indirect Method. as set out in the ;,c;%:[gu;::_:::±_; :::cabse:nF,roe:r:::teedT=:ffiyDj: form to those ofcunent years &I.RATANIcunlAR Elecutiv. Dip.ctor Elecutiv. DIP.ct®t. Elecutive Director I KALYAN I[UMAR MANAGING DIREC.TOR & CEO place: Mumbal Date : Oct 17, 2026 , -;± .dfiin .edm rfuoN`r\
Page 24
©E---i-i--.---..- :---=j--. ©Central Office, Chander Mu]chi Building, Nariman Point -400021 DECLARATION OF LIMITHD REVIEW REPORT WITH UNMODIFIED OPINION We hereby declare that Auditors' Limited Review Report on Standalone and Consolidated Bank's Financial for the Quarter and Half Year Ended September 30, 2026, contain unmodified opinion. rvlvE& >`,qL4 MAR) GENERAL MANAGER & CFO Place : Mumbai Date : October 17,2026 (KALYAN KUMAR) MANAGING DIRECTOR & CEO
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Central Office, Chander Mukhi Building, Nariman Point -400021 CERTIFICATE UNDER REGULATION 17(8} OF SEBI (LISTING OBLIGATIONS AND DISCLOSURE REOUIREMENTS` REGULATIONS. 2015 The Board of Directors Central Bank of India This is to certify that: a. We have reviewed Financial Statements of central Bank of India for the Quarter and Half Year Ended September 30, 2026, and to the best of our knowledge and belief: I. These Statements do not contain any materially untrue statement or omit any material fact or contain statements that might be hisleading. 11. These Statements together present a tnie and fair view of the Bank's affairs and are in compliance with existing Accounting Standards, applicable law and regulations. b. There are, to the best of our knowledge and belief, no transactions entered into, by the Bank during the Quarter and Half Year Ended September 30, 2026, which is fraudulent, illegal or violative of the Bank's code of conduct. c. We accept responsibility for establishing and maintaining internal controls for the financial reporting and that we have evaluated the effectiveness of the internal control systems of the Bank pertaining to financial reporting and we have disclosed to the auditors, deficiencies in the design or operation of such internal controls, if any, of which we are aware and the steps we have taken or propose to take to rectify these deficiencies. d. We have indicated to the Auditors: I. Significant changes in internal control over financial reporting during the Quarter and Half Year Ended September 30, 2026. 11. There is no significant changes in accounting policies during the Quarter and Half Year Ended September 30, 2026 and the same have been disclosed in the notes to the financial statement. and, Ill. Instances of significant fraud of which we have become aware and the involvement therein, if any, of the Management or any employee having a significant role in the Bank's Internal Control System over financial reporting. GENERAL MANAGER & CFO Place : Mumbai Date : October l7,2026 (ENYAN KUMAR) MANAGING DIRECTOR & CEO
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ca5rfu Central Office Statement of deviation/variation in use of issue proceeds for the quarter ended 30.09.2026 (As per Regulation 32(1) of SEBI (LODR) Regulations, 2015) Particulars Remarks Name of listed entity Cen tral Bank of India Mode of Fund raising Pub ic issues/ Rights issues / Preferential issue / Others Type of Instrument NA Date of raising funds NA Amount raised Nil Report filed for Quarter ended 3oth September, 2026 ls there a deviation / variation in use of funds raised? No Whether any approval is required to vary the objects of the issue NA stated in the prospectus/offer documents? lf yes, details of the approval so required? Date of appro val - Explanation for the Deviation / Variation NA Comments of the Audit Committee after review NA Comments of the auditors, if any NA Objects for which funds have been raised and where there has been a deviation/variation, in the following table :- Original Modified Original Modified Funds Amount of Remarks, if Object Object, if allocation allocation, utilised deviation/variation any any if any for the quarteraccordingtoapplicableobject (ln=Croreandin%) Nil Deviation cou d mean: (a) Deviation in the objects or purposes for which the funds have been raised. (b) Deviation in the amount of funds actua y utilized as against what was originally disclosed. vlv#M\|\:olviCHIEFFINANCIAL0FFICERDate:-17/10/2026 Place :-Mumbai aH Edi, RE tee, j* -400 021 . Chander Mukhi, Nariman Point, Mumbai -4oo o21 Fo//ow us on fl © B GB YouGD Cenfro/ Book of /ndi.a
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iEff Erfu ____ Central Qffj££ Statement of deviation/variation in the use of issue proceeds of issue of listed non-convertible debt securities for the quarter ended 30.Q92026 (As per Regulation 52(7) & 52 (7A) of SEBl (LODR) Regulations, 2015) A. Statement of utilization of issue proceeds: Name Of the lssuer lsIN Mode of Fund Type of Date of Amount Funds Any lF 8 is yes, then Remarks, if any Raisins Instrument raising Raised Utilized Deviation specify the (Publicissuemrivateplacement) funds (Yes/NO) purpose of forwhichthefundswereutilized 1 2 3 4 5 6 7 8 9 10 N L 8. Statement of deviation/variation in use of issue proceeds: Particulars Remarks Name of listed entity Central Bank of India Mode of Fund raising Public Issue/Private placement Type of Instrument NA Date of raising funds NA Amount raised Nil Report filed for Quarter ended 3oth September, 2026 ls there a deviation / variation in use of funds raised? NO Whether any approval is required to vary the objects of the issue NA stated in the prospectus/offer documents? lf yes, details of the approval so required? - Date of approval Explanation for the Deviation / Variation NA Comments of the Audit Committee after review NA Comments of the auditors, if any NA Objects for which funds have been raised and where there has been a deviation/variation, in the following table :- Original Modified Original Modified Funds Amountofdeviation/variation for Remarks, Object Object, if allocation allocation, utilised theq uarteraccording to applicable if any any if any objec t (In I Crore and in %) Nil Deviation could mean: (a) Deviation in the objects or purposes for which the funds have been raised. (b) Deviation in the amount of funds actually utilized as against what was originally disclosed. :;{#;}N:;!2:OL2:FF,CER ££iriii¥::=Place :-Mumbai aF gdi, RE life, gq€ -400 021 . Chander Mukhi, Nariman Point, Mumbai -400 021 Fo//ow us on fl @ B GB YouGD Cenfro/ Bonk a/ /nd/.a
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Central OfficeraarfuC. FORMAT FOR DISCLOSING OuTSTANDING DEFAULT ON LOANS AND DEBT SECURITIES S.NO. Particulars ln lNR Crore 1. Loans/revolving facilities like cash credit from Banks/ Financial lnsti tutions A Total amount outstanding as on date NIL 8 Of the total amount outstanding, amount of default as on date NIL 2. Unlisted debt securities i.e. NCDs and NCRPs A Total amount outstanding as on date NIL 8 Of the total amount outstanding, amount of default as on date NIL 3. Total Financial indebtedness of the listed entity including short- 38286.79 term and long-term debt v,v#CHIEFFlDate:- 1Nj#i£:2°6FFlcER ££ithiii¥:§Mumbai Place :- jH gdi, qth ire, j* -400 021 . Chander Mukhi, Nariman Point, Mumbai -400 021 Fo//ow I/s on fl @ I D YouGD Centre/ Bonk a/ /nd/.a
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an ffifffl lNVESTORS RELATION DIVISION Central Office Disclosure of Related Party Transactions of tb_e Bank for the Half Year ended 30tb September 202£ a) List of Related parties: I. Key Managerial personnel- Name of Director Designation i) Shri Kalyan Kumar (w.e.f. 30.09.2025) Managing Director & CEO ii) Shri Matam Venkata Rao (upto 31.07.2025) Managing Director & CEO iii) Shri Vivek Wahi (upto 30.09.2025) Executive Director iv) Shri M V Murali Krishna Executive Director v) Shri Mahendra Dohare Executive Director vi) Shri E. Ratan Kumar (w.e.f. 24.11.2025) Executive Director 11. Subsidiaries: i) Cent Bank Home Finance Limited ii) Cent Bank Financial Services Limited i) Insurance Companies a. Generali Central Insurance Company Limited b. Generali Central Life Insurance Company Limited ii) Indo -Zambia Bank Ltd., Zambia b) Disclosure on Remuneration: (Amo unt in { Crore) Name of Director Designation Key Managem ent Personnel For Half YearEnded30.09.2026or Half YearEnded30.09.2025 Shri Kalyan Kumar(w.e.f.30.09.2025) Managing Director & CEO 0.11 0.00 Shri Matam Venkata Rao(upto31.07.2025) Managing Director & CEO 0.00 0.03 Shri Vivek Wahi(upto30.09.2025) Executive Director 0.00 0.09 Shri M V Murali Krishna Executive Director 0.11 0.10 Shri Mahendra Dohare Executive Director 0.11 0.10 Shri E. Ratan Kumar(w.e.f.24.II.2025) Executive Director 0.11 0.00 Total 0.44 0.32 NT BHAGWAT) C`ompany S etary & Compliance Officer rm 5TqtFT: rfe giv, RE qft, giv - 400 02 1 :entral Office: Chander Mukhi, Nariman Point, Mumbai -400 021 Rm/Tel.: 022-6638 7575 an/Emai! lD: smird@centralbank.bank.in Follow us on a un -a a Central Bank of _I_a_d±a_
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ffiap1qren lNVESTORS RELATION DIVISION Central Office c) Accounting Standard 18 -Disclosure on Related Party Transactions (Amount in { Crore) Items/Related Party Generali Central Insurance Generali Central Life Company Limited Insurance Company Limited Outstanding as at 30-09-2026 Investment 2.29 Deposits I.71 3.68 Advances Non-funded coinmitments Leasing/H P arrangements - Leasing/H P arrangementsavailed Fixed Assets - Other Assets Other Liabilities 0.92 I.93 Maximum outstanding during the year Investment 4.75 2.80 Deposits 21.40 73.67 Advances Non-funded commitments Leasing/HP arrangements - availed - Leasing/HP arrangements - availed - Deposits Advances Total of transaction During the year Insurance Premium Paid 33.84 2.78 Commission Received 2.49 38.61 Interest Paid - Interest Received - - Claim Received 0.65 Purchase of fixed assets Sale of fixed assets Rendering of services Receiving of services 0.0000861 Dividend Paid - (CHAND Company Se etary & Compliance Officer ffi 5Tqfan: aH Edi, Tth qRE, # - 4oo o2 1 Frm/Tel.: 022-6638 7575 entral office: Chander Mukhi, Nariman point, Mumbai -400 021 ft/Email lD: smird@centralbank.bank.in Follow us on rF EE -" a Central Bank of India • --' ..-.. :. "i. !.;i,;.\:..=''`.`.i 'i..i...:-.'\.;,`...:.i-¥j=*|iREh'-.}...`i
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EN 5>TqfFT lNVESTORS RELATION DIVISION Centralofrice Note: Keeping in line with para 9 of the AS -18 ~ "Related Party Disclosure" issued by ICAI, the transactions with the Subsidiaries and Associates Enterprises have not been disclosed which exempts the State Controlled Enterprises from making any disclosures pertaining to transactions with other related State Controlled Enterprises. Further, transactions in the nature of Banker-Customer relationship including those with KMP and relatives of KMP have not been disclosed in terms of Para 5 of AS-18. d) Accounting Standard 23 - Accounting for Investments in associates in consolidated financial Statements: Since Investments of the Bank in its Associates are participative in nature and the Bank having the power to exercise significant influence on their activities, such Investments are recognized in the Consolidated Financial Statements of the Bank. e) Exposures to Related Parties (As per RBI Circular No. RBI/2025-26/18l DOR.CRE.REC.382/21.04.018/2025-26 Dated: 05.01.2026) (inount in € Crore) Sr. Particulars Half Year Half Year No® Ended Ended 30.09.2025 30.09.2026 A. Loans to Related Parties I Aggregate value of loans sanctioned to related parties during the year 2 Aggregate value of outstanding loans to related parties as on 30`h September 3 Aggregate value of outstanding loans to related parties -as a proportion of total credit exposure as on 30th September 4 Aggregate value of outstanding loans to related parties which are categorized as: (i) Special Mention Accounts as on 30th September (ii) Non-Performing Assets as on 30th September 5 Amount of provisions held in respect of loans to related parties as on 30th September 8. Contracts and Arrangements involving Related Parties 6 Aggregate value of contracts and arrangements awarded to related parties during the year 7 Aggregate value of outstanding contracts andarrangementsinvolvingrelatedpartiesason30th - September (CHANDRA Company Secre T BHAGWAT) ry & Compliance Officer th 5Tqfan: jH giv, RE vitr, giv - 400 021 =entral Office: Chander Mukh.I, Nariman Point, Mumbai -400 .-`Lt€=rife-ng= Fin/Tel.: 022-6638 7575 021 ac/Email lD: smird@centralbank.bank.in Follow us on g3 'RE - RE g] Central Bank of India
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jdyE D' 8, a CoMPANy', Chartered Accountants (lcAI I+`irm Regn. N(1. 005593C) First Floor. Mahavir Gaushala Complex, K.K. Rt]ad, Moudhapara, RAIPUR 492001 (C.G.) Phone : (0771)2524621,2888043 Email : adbcacs@gmail.com Website : www.adbcacs.com To Board of Directors Central Bank of India CERTIFICATE WITH REFERENCE T0 SECURITY COVER IN RESPECT 0F LISTED UNSECURED DEBT SECURITIES FOR THE QUARTER ENDED 30.09.2026 We have been requested by Central Bank of India to verify and certify, compliance with respect to Security Cover in respect of listed unsecured debt securities as per regulation 54(2) read with regulation 56 (1) (d) of SEBI (LODR) Regulation, 2015 & as per circular SEBI/HO/MIRSD/CRADT/CIR/P/2020/230 dated 12th November, 2020 & SEBl/HO/MIRSD/MIRSD CRADT/CIR/P/2022/67 dated 19th May, 2022. This certificate is required for the onward submission to stock exchanges and debenture trustee only. Management.s Responsibilities The responsibility for compliance with regard to instructions contained in Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 published on 2nd September, 2015 & as per circular SEBl/HO/MIRSD/CRADT/CIR/P/2020/230 dated 12th November, 2020 & SEBI/HO/MIRSD/MIRSD/CRADT/CIR/P/2022/67 dated 19th May, 2022 is that of the management of the Bank. The Bank's responsibility is to put in place controls and suitable triggers to ensure that above regulations are adhered to. Auditor's Responsibility Our responsibility is to provide the reasonable assurance on Bank's compliance with respect to Security Cover in respect of listed debt securities as per regulation 54(2) read with regulation 56(1)(d) of SEBl (LODR) Regulation, 2015, as to the accuracy in the computation of Security Coverage Ratio in respect of listed debt securities. We conducted our independent review in accordance with the Guidance Note on Reports or Certificates for Special Purposes (Revised 2016) issued by the Institute of Chartered Accountants of India. The Guidance Note requires that we comply with the ethical requirements of the Code of Ethics issued by the Institute of Chartered Accountants of India. We have complied with the relevant applicable requirements of the Standard on Quality Control (SQC) 1, Quality Control for Firms that Perform Audits and Reviews of Historical Financial Information, and Other Assurance and Related Services Engagements. AUDIT PROCEDURES PERFORMED: a) Verification of terms / covenants of the issue of the listed debt securities. b) Verification / tracing of relevant figures from Unaudited Financial Statements of Accounts &
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Books of Accounts for the quarter ended 30.09.2026 c) Verification of SEBI Circular regarding Security Coverage Ratio. OPINION Based on examination of audited books of accounts and other relevant records/documents, we hereby certify that: a) The Central Bank Of India has vide its Board Resolution and information memorandum/ offer document and under various Debenture Trust Deeds, has issued the following listed debt securities: (= in crore) lsIN Private Secured/Unsecur Sanction Placement/Pub ed ed lic Issue Amount INE483AO8049 Private Placement unsecured 1500 Total 1500 b) Securities cover for listed debt securities: Based on our examination and procedures performed by us, as referred above and according to the information & explanations given to us, we report that the data related to security cover as laid down in Annexure as at December 31,2024 has been extracted accurately from the Books of account for the quarter ended December 31, 2024 pursuant to the requirements of Regulations 54 read under Reg 56(1)(d) of SEBl (Listing Obligations and Disclosure requirements) Regulations, 2015 (the "SEBI Regulations'') and circular No SEBl/HO/MIRSD/MIRSD_CRADT/CIR/P/2022/67 dated May 19,2022. The Security cover certificate is being issued in consonance with SEBl regulations and shall have no effect on`the seniority of such instruments and all other terms and conditions applicable for the issue of the bonds as specified by RBI Master Circular no. DBR.No.BP.BC.1/21.06.201/2015-16 dated July 1, 201S for Basel Ill compliant bonds/RBI Master Circular no. DBR.No.BP.BC.4./21.06.001/2015-16 dated July 1, 2015 for Basel 11 compliant bonds, as amended time, and the terms of issue. c) Compliance of all the covenants/terms of the issue in respect of listed debt securities information under Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 in terms of the provision of regulation 56(1)(d) as amended from time to time-Covenant Compliance Certificate as on 30.09.2026
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We have examined the compliances made by the Bank in respect of the covenants / terms of the Issue of the listed debt securities. Based on examination of the audited books of accounts and other relevant records/documents, we hereby certify that: The Bank has complied with all the covenant/terms of the issue mentioned in the offer document/ Information Memorandum and/or Debenture Trust Deed for the above mentioned Non-convertible debt securities. Further, please find the below list of the covenant which the Bank has failed to comply for the quarter Restriction on use This certificate has been issued at the request of the Bank for onward submission to stock exchanges and debenture trustee only. It should not be used by any other person, without our consent. Accordingly, we do not accept or assume any liability or any duty of care or for any other purpose or to any other party to whom it is shown or into whose hands it may come without our prior consent in writing. UDIN: 26074272FIJMG06678 Place -Mumbai Date-16.10.2026 Encl: Annexure I (Format of Security cover)
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Column A Column 8 Column C Column D Column E Column F Column G Column H Column I Column J Column K Column L Column M Column N Column 0 :'.T! Partieulars Description of Exclusive Exclusive part- pas8u Part- Passu Part- Passu Assets not Ethinati on (amoun( ITotal C to H) Related to only those items covered by this certificate Cllarge Charge Cha,ge Ct,argo Charge offereL asSecurity in negative) Debt for Other Debt for which Assets sliared Other assets on debt amount Market Cat.rylng frok value Marke, Carrying Total which this Secured this cerdfica te by pari passu which there ls cousidere A more Value for rot exc]uslve cliarge Value for va]uefoook Value(=K+L+M certffica te Debt being issued det)t holder parL Passu than once (due to Assets assets where market Part passu value for pari +N) being issued (includes deb( charge exclusive p]u§ part charged on ya]ue is not charge passu chargeasset for whlcli for wl)loll this (excluding Items passu cliarge) Exclusive ascerfainable or A8setsVA assets where tl]!s certificaterelate certmcate lsissued&otherdebtwithPart-pasBucharge)covered incolumnF) basis applicable (For Eg.BankBalance,DSRAmarketvalueisnotapplical,le)market valueisnotascertoinat)leora|iplicable(ForEg.BankBalance.DSRAmarketvalueisDotapl,llcable) Relating to Column F Book Value BookV®lue Ye8INo Book Value Book Value ASSETS -Property. Plant andEquipment Capital Work-in- Progress 11= Right of Use Assets -Goodwill IntanSble Assets .RE_ IntanSble Assets underDevelopment -Invesments Loans Inventories Trade Receivables Cash and CashEquivalents Bank Balances other thanCashandCashEquivalents Others T®tal zj#jerr.n %i;,:: •..,,x± *=T++++<
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SECURITY COVER Colt'lrm A ColuTun a Colu" C Column D Colullm E Column F Column a Column H Column , Colum J Column K Col- L Column M Co'umr' N Column 0 %A:::#R%dyz+ Partlcutae EItlqstwcChaTg.EIclmlveChargePan.Past'Chang.I,allPas9uCl,angePallPasqChargeAssets Oo'orferdasSecortyEunbatiOJ|(a-urtI,]pegrtive)ITO,al C to 11) Related to only lllcoe fo.in covered b)r thls c€Ttlflc&t€ Deedptloli of ass. Deb, r®r - I,eb, r®, ^8setE O,her deb, Market Carr}ing /book valqe for NIrket Value for CaTrybng valuefrok Total Vrfue(=K+L+M+ N) fol. whl.h thl8 whlcb .his Seded whlch .hls shared b}. aseete oD amuut Value fiir elcltigive charge ass.t8 Part pas8q charge value for I)all paesu cerfficate relate celffco te Deb, c.rtfro te pall pas.,) whleb c®msldere I- where mrket valtie tg Arferd change assets wlier. bdr laslied I,chg debt there ls d tDOTe changed on bet a8certahable or -ke( value 18 I]ol lssped holder(froludcadeb,fo,perLPasou•try.(elcludhngItenHoweredli]coltllmI)ttm once(due,®c,cllBIvephep.r]Pas,Dcharge)EIchtwebasteapi]llc.bLe (For Eg. Bal]kBalance.DSRAD)art(ctvaluebnolapp[lcal)Ie)aes.rrfubl. oTapp]lcableqorEg. BankBalaitce.DSRAmarketvallielsnet.pptlcable) whteh thiscertncatetsissoedaolherdebtwithPart-Pas8ucharge) Relating .o C®tqrm F Book Value BcokVahc Yegivo BookVdre BookValue LLABILmEs Debt securities to which thisceTtificatcdwhins other debt sh8Ting perlpassucharae`withabovedcht Other Etot -Subordim`ed dcbi BO-ungs Bank -Debt SeeuTtlies ChtHgrs Tredc paysbles Lease Linhilitics . PToVIsious Others Total Cover ol) Book Value Cover ol] Marke. Value ElclhSecqrftyCove,R|„o nrLpmSecqrtyCoverRatio `SSCt L* %i»6 Afrst^t`€