केंद्रीय कायाा लय INVESTORS RELATION DIVISION Central Office

CO:IRD:2024:25:202 Date: 17th October, 2024

National Stock Exchange of India Limited BSE Limited

Listing Department, Exchange Plaza, Corporate Relationship Dept.,
Plot No. C/1, ‘G’ Block, Phiroze Jeejeebhoy Towers,
Bandra-Kurla Complex, Bandra (East), Dalal Street, Fort,
Mumbai-400 051 Mumbai-400 001
Scrip Code-CENTRALBK Scrip Code-532 885

Dear Sir/Madam,

Sub: Presentation on Financial Results of the Bank for the Second Quarter and Half Year
ended 30th September, 2024.

Pursuant to Regulation 30 of SEBI (LODR) Regulation, 2015, we enclose herewith copy of

Presentation on Financial Results of the Bank for the Second Quarter and Half Year ended
30th September, 2024.

A copy of presentation will also be made available on Bank’s website i.e.

https://www.centralbankofindia.co.in/en/investor-relations

Please take the above on your record.

Thanking you.

Yours faithfully,
For Central Bank of India
CHANDRAKAN Digitally signed by
CHANDRAKANT C BHAGWAT

T C BHAGWAT Date: 2024.10.17 13:48:06

+05'30'

CHANDRAKANT BHAGWAT
Company Secretary & Compliance officer

Encl.: As above

कें द्रीय कायाालय: चंदर मुखी, नरीमन पॉइं ट, मुंबई - 400 021 दूरभाष/Tel.: 022-6638 7575
Central Office: Chander Mukhi, Nariman Point, Mumbai - 400 021 ईमेल/Email ID: [email protected]
Follow us on Central Bank of India
www.centralbankofindia.co.in
 Financial Result Analysis

Quarter & Half Year Ended 30th Sep’2024

https://youtube.com/c/CentralBankofIndiaOfficial

https://www.instagram.com/centralbank_in

https://in.linkedin.com/company/centralbankofindia

http://twitter.com/centralbank_in

https://www.facebook.com/centralbankofindia

Visit us at www.centralbankofindia.co.in
FY 24-25 (Q2)Analyst Presentation
 MACRO ECONOMIC INDICATORS

Barometers of Macroeconomic Progress

(Y-o-Y Growth %)
Q1:2023-24 Q2:2023-24 Q3:2023-24 Q4:2023-24 Q1:2024-25 Economic Outlook & Projections
8.2 8.1 8.6
7.8  The global growth remains steady, but is subject to
6.7 6.4
5.4 5.0 4.9
gamut of factors such as sustaining its momentum,
4.6
prolonged geopolitical and trade tensions, supply chain
disruptions and swings in economic policies.
0.5

 Domestic growth moderated in the first quarter of current

(1.0) (1.3) (1.2) (1.1) fiscal due to contraction in government spending and
Real GDP Growth Retail Inflation (CPI) Current Account Deficit (% of high base effect.
GDP)
 The core inflation has kept numbers grounded while food
Shift in Household Saving Preference inflation is the major source of volatility in prices.
(Y-o-Y Growth %)
 The stress on liquidity conditions for banks sustain as
Q1:2023-24 Q2:2023-24 Q3:2023-24 Q4:2023-24 Q1:2024-25 evident through shift to alternative asset classes.

44.7
37.0
 With the change in monetary policy stance in the latest

29.3
MPC meeting, expectations of rate cut have gained
24.6
20.2

20.2
20.0

18.6
strength post rate cut by Fed, USA.
18.0
17.6

17.4

15.5

15.0
13.8
13.5
13.3
12.3

11.1

5.4
1.8

Total Credit of SCBs Total Deposits of SCBs Funds mobilized under SIP Contribution
mutual funds
Source: NSO, RBI
FY 24-25 (Q2)Analyst Presentation 2
 MACRO ECONOMIC INDICATORS
Foreign Portfolio Investment (FPI) Trends in 2024
Net FPI inflows in Equity (₹ Crores) Net FPI inflows in Debt (₹ Crores)
Net FPI inflows (₹ Crores) Economic Outlook & Projections
₹93,538
 Non food bank credit of scheduled commercial banks
₹51,996 ₹48,796 (SCBs) decelerated to 14.40 % as on 20th September,
₹41,757
₹31,817 ₹25,493 2024 from 15.30% a year ago. Moderation in credit and
high cost of deposit may lead to contractions in Net
Interest Margins (NIM)s for the banks.
(₹16260)
(₹6593) (₹12911)
 The overall growth in bank credit was primarily driven by
January February March April May June July August September
personal loans and services, although their share in total
incremental credit growth moderated.
Credit Deployment by SCBs (Y-o-Y Growth)
Q2:2023-24 Q3:2023-24 Q4:2023-24 Q1:2024-25  Foreign investments in Indian markets soared to 9-month
high in September 2024. Total FPI inflows increased by
Non-food Credit 20.02 20.11 20.17 17.35
5.72% year-on-year in H1:2024-25. However, FPIs turned
Agriculture 16.66 19.39 19.97 17.41 net sellers in October due to rise in oil prices and strong
Industry 6.51 8.04 8.51 8.13 performance of Chinese markets.
Services 25.39 23.34 23.49 17.36
 Sensitization towards clean energy resulted in high credit
Personal Loans 30.03 28.41 27.46 25.60
flow towards the said sector.
Credit to NBFCs 21.89 15.02 15.31 8.45
Housing Loans 36.17 35.25 36.54 36.33
Infrastructure 2.99 5.82 6.62 5.52
Construction 3.07 9.95 6.85 4.20
Petroleum, Coal Products &
Nuclear fuels (10.59) (19.89) (11.43) 17.21
Renewable Energy 31.21 12.34 29.68 37.33
FY 24-25 (Q2)Analyst Presentation 3
 Consistency

C
Ethical

E
Standards

Nurturing
N
Potential
VALUES THAT SET US APART

Transparency
T

Responsiveness
R

Accountability
A

Loyalty
L

FY 24-25 (Q2)Analyst Presentation

4
 STRENGTHS

Strong Rural + Semi Pan India Customer Base

Urban Presence with Presence with 8.45 Crore
65% of Total 20562
Branches in RUSU Customer Touch
Centers Points

Strong Brand Best CASA base Dedicated

Image with Staff
Legacy of @48.93% of Strength Of
Total Deposits
112+ Years 33,855

FY 24-25 (Q2)Analyst Presentation 5

 CONTENTS

Performance
Highlights
07-10 01
Financial
Performance 11-16 02 05 35-38 Investments

Asset Quality & Digital

Capital Adequacy 17-24 03 06 39-44 Journey & FI

Business Group
Performance
25-34 04 07 45-47 Performance

Other
08 48-56 Information

FY 24-25 (Q2)Analyst Presentation 6

PERFORMANCE HIGHLIGHTS

FY 24-25 (Q2)Analyst Presentation

 KEY HIGHLIGHTS
(Y-o-Y) Sep’24 (QTR) vis-a-vis Sep’23 (QTR)

Total Business Total Deposits CASA Gross Advances RAM Non Interest Income

644858 Cr 391914 Cr 191270 Cr 252944 Cr 182205 Cr 1647 Cr

7.07% 5.57% 4.61% 9.48% 19.95% 55.23%

Operating Profit Net Profit Gross NPA % Net NPA % ROA ROE

2165 Cr 913 Cr 4.59% 0.69% 0.85% 12.76%

41.50% 50.91% 3 bps 95 bps 23 bps 352 bps

FY 24-25 (Q2)Analyst Presentation 8

 PROFITABILITY – SUSTAINED GROWTH

NET PROFIT ₹ in Cr

75.10%
1793

1024

SEP'23 SEP'24
(HY) (HY)

Q-o-Q
56.77% 41.33 % 110.53% 50.91%

880 913
807
718
571 605
458
418

DEC'22 DEC'23 MAR'23 MAR'24 JUN'23 JUN'24 SEP'23 SEP'24

FY 24-25 (Q2)Analyst Presentation 9

 SUSTAINED HEADLINE NUMBERS ( On Stand alone basis)

Year Ended Quarter Ended Growth

Particulars
Mar'24 (FY) Sep'23 Sep'24 Y-o-Y
Yield on Advances (%) 8.72 8.62 8.84 22 bps 
Yield on Investments (%) 6.57 6.55 6.93 38 bps 
Yield on Funds (%) 8.10 7.98 8.28 30 bps 
Cost of Deposits (%) 4.61 4.60 4.71 11 bps 
Cost of Funds (%) 4.70 4.65 4.79 14 bps 
NIM (%) 3.40 3.29 3.44 15 bps 
ROE (%) 9.53 9.24 12.76 352 bps 
Book Value of Share 32.32 30.53 33.63 10.15 % 
Credit Cost(%) 1.50 3.51 0.56 295 bps 
Slippage Ratio (%) 2.57 1.28 0.38 90 bps 
Cost to Income(%) 58.18 62.57 57.19 538 bps 
Staff Cost Share in Cost to Income(%) 35.85 35.14 36.13 0.99 bps 
Liquidity Coverage Ratio (%) 205.09 236.58 240.19 361 bps 
Net Stable Funding Ratio (%) 154.93 163.36 146.69 (1667 bps) 
Earning Per Share 2.94 0.70* 1.05* 50 % 
ROA (%) 0.63 0.62 0.85 23 bps 
*For the quarter FY 24-25 (Q2)Analyst Presentation 10
FINANCIAL PERFORMANCE

FY 24-25 (Q2)Analyst Presentation

 FINANCIALS AT A GLANCE
₹ in Cr

Quarter Ended Half Year Ended

Particulars
Jun'24 Sep'23 Sep'24 Y-o-Y (%) Q-o-Q (%) Sep'23 Sep'24 Y-o-Y (%)

Total Interest Income 8335 7351 8202 11.58 (1.60) 14576 16537 13.45

Total Interest Expenses 4787 4323 4792 10.85 0.10 8372 9579 14.42

Net Interest Income 3548 3028 3410 12.62 (3.89) 6204 6958 12.15

Net Interest Income 3338 3028 3410 12.62 2.16 6109 6748 10.46
(excluding one off item)

Total Income 9500 8412 9849 17.08 3.67 16596 19349 16.59

Total Expenditure 7507 6882 7684 11.65 2.36 13227 15191 14.85

Operating Profit 1993 1530 2165 41.50 8.63 3369 4158 23.42

Provisions 1113 925 1252 35.35 12.49 2345 2365 0.85

Net Profit 880 605 913 50.91 3.75 1024 1793 75.10

FY 24-25 (Q2)Analyst Presentation 12

 INTEREST INCOME
₹ in Cr

Quarter Ended Half Year Ended

Particulars
Jun'24 Sep'23 Sep'24 Y-o-Y (%) Q-o-Q (%) Sep'23 Sep'24 Y-o-Y (%)

Interest on Advances 5402 4731 5402 14.18 - 9235 10804 16.99

Interest on Investments 2463 2334 2547 9.13 3.41 4614 5010 8.58

Interest on balances
with RBI and Other 249 271 243 (10.33) (2.41) 602 492 (18.27)
Banks

Others 221 15 10 (33.33) (95.48) 125 231 84.80

Total Interest Income 8335 7351 8202 11.58 (1.60) 14576 16537 13.45

FY 24-25 (Q2)Analyst Presentation 13

 NON-INTEREST INCOME
₹ in Cr
Quarter Ended Half Year Ended
Particulars
Jun'24 Sep'23 Sep'24 Y-o-Y (%) Q-o-Q (%) Sep'23 Sep'24 Y-o-Y (%)

Fee Based Income (i + ii + iii) 425 506 635 25.49 49.41 907 1060 16.87

Commission Exchange & Brokerage (i) 77 86 119 38.37 54.55 172 196 13.95

- Commission on LC/BG/DDs 39 43 49 13.95 25.64 89 88 (1.12)

- Govt. Business 11 14 26 85.71 136.36 34 37 8.82

- Banc assurance 27 29 44 51.72 62.96 49 71 44.90

Service Charges (ii) 292 375 379 1.07 29.79 651 671 3.07

Miscellaneous (iii) 56 45 137 204.44 144.64 84 193 129.76

Treasury Income 402 115 392 240.87 (2.49) 397 794 100.00

- Profit on Sale of Investments 104 91 359 294.51 245.19 233 463 98.71

- Profit/Loss on Revaluation of Investment 250 (16) (31) (93.75) (112.40) 25 219 776.00

- Profit on Exchange Transactions 48 40 63 57.50 31.25 139 111 (20.14)

- Dividend Income - - 1 100.00 100.00 - 1 100

Other Receipts (Recovery in Written off &

338 440 620 40.91 83.43 716 958 33.80
Others)

Total Non-Interest Income 1165 1061 1647 55.23 41.37 2020 2812 39.21

FY 24-25 (Q2)Analyst Presentation 14

 TOTAL EXPENSES
₹ in Cr

Quarter Ended Half Year Ended

Particulars
Jun'24 Sep'23 Sep'24 Y-o-Y (%) Q-o-Q (%) Sep'23 Sep'24 Y-o-Y (%)

Interest Expenses 4787 4323 4792 10.85 0.10 8372 9579 14.42

Interest Paid on
4443 4178 4530 8.43 1.96 8108 8973 10.67
Deposits

Other Interest 344 145 262 80.69 (23.84) 264 606 129.55

Operating Expenses 2720 2559 2892 13.01 6.32 4855 5612 15.59

Staff Cost 1714 1437 1827 27.14 6.59 2926 3541 21.02

Other Operating
1006 1122 1065 (5.08) 5.86 1929 2071 7.36
Expenses

Total Expenses 7507 6882 7684 11.65 2.36 13227 15191 14.85

FY 24-25 (Q2)Analyst Presentation 15

 PROVISIONS
₹ in Cr

Quarter Ended Half Year Ended

Particulars
Jun'24 Sep'23 Sep'24 Y-o-Y (%) Q-o-Q (%) Sep'23 Sep'24 Y-o-Y (%)

NPAs 1322 1927 340 (82.36) (74.28) 2168 1662 (23.34)

Standard Assets (74) (837) 70 108.36 194.59 (205) (4) 98.05

Depreciation/ Provisions
on Investment Including (20) (167) (62) 62.87 (210.00) (204) (82) 59.80
SRs

Income Tax (78) (42) 654 1657.14 938.46 564 576 2.13

Others (8) 61 21 (65.57) 362.50 77 13 (83.12)

Restructured A/c’s (29) (17) 229 1447.06 889.66 (55) 200 463.64

Total Provision 1113 925 1252 35.35 12.49 2345 2365 0.85

FY 24-25 (Q2)Analyst Presentation 16

ASSET QUALITY & CAPITAL ADEQUACY

FY 24-25 (Q2)Analyst Presentation

 ASSET QUALITY TREND

4.62

4.59

1.64

1.23
4.54

1.27
4.50
4.50

0.69
0.73
SEP'23 DEC'23 MAR'24 JUN'24 SEP'24 SEP'23 DEC'23 MAR'24 JUN'24 SEP'24

GROSS NPA % NET NPA %

₹ in Cr

Particulars Sep'23 Dec'23 Mar'24 Jun'24 Sep'24

Gross Advances 231032 239646 251745 250615 252944

Net Advances 224030 231815 243406 240999 243013

Gross NPA 10666 10786 11340 11388 11604

Net NPA 3664 2956 3002 1771 1674

Gross NPA % 4.62 4.50 4.50 4.54 4.59

Net NPA % 1.64 1.27 1.23 0.73 0.69

FY 24-25 (Q2)Analyst Presentation 18

 NPA MOVEMENT
₹ in Cr

Particulars Sep'23 (QTR) FY 23-24 Jun'24 (QTR) Sep'24 (QTR) Sep'24 (HY)

Opening Gross NPAs 10891 18386 11340 11388 11340

Add: Slippage of PA to NPAs 2544 4662 650 766 1255
Increase in Balance of
133 462 159 147 296
existing NPAs
Sub-Total 2677 5124 809 913 1551
Less:
Up-gradation 315 459 302 265 427
Recovery 513 1702 431 390 790
(Including Sale to ARC) (2) (2) (10) (-) (10)
Regular Write-off 27 152 28 42 70
Technical Write-off 2045 9849 - - -
Other Recovery by
2 8 - - -
Adjustment
Sub-Total 2902 12170 761 697 1287
Gross NPAs 10666 11340 11388 11604 11604
% of Gross NPAs to Gross Advances 4.62 4.50 4.54 4.59 4.59

FY 24-25 (Q2)Analyst Presentation 19

 SECTOR-WISE NPA CLASSIFICATION
NPA Classification: Sector-Wise ₹ in Cr Sep'24

Advances TOTAL NNPA TOTAL NNPA NNPA %

Particulars Sep'23 Dec'23 Mar'24 Jun'24 Sep'24
(Sep'24) NNPA %

Total NPA 10666 10786 11340 11388 11604 252944 1674 0.69

1.62
773

710

1.34
Retail 841 831 867 925 917 76373 91 0.12
Agriculture &
3125 3151 3322 3287 3327 50280 773 1.62
Allied

0.15
100

0.12
91
MSME 2638 2684 3008 3054 3143 55552 710 1.34
Corporate & Retail Agriculture MSME Corporate & Retail Agriculture MSME Corporate &
4062 4120 4143 4122 4217 70739 100 0.15 & Allied Others & Allied Others
Others

NPA Classification: Retail Sector

TOTAL NNPA NNPA %
Advances TOTAL NNPA
Particulars Sep'23 Dec'23 Mar'24 Jun'24 Sep'24
(Sep'24) NNPA %

0.46
Total Retail

39
841 831 867 925 917 76373 91 0.12
NPA

0.21
26

0.13
Housing Loan 491 481 506 549 559 48164 39 0.08

16

0.08
10
Vehicle Loan 50 53 54 57 56 3536 16 0.46
Housing Vehicle Education Other Housing Vehicle Education Other
Education Loan Loan Loan Personal Loan Loan Loan Personal
103 111 124 130 126 4984 10 0.21
Loan Loans Loans
Other
Personal 197 186 183 189 176 19689 26 0.13
Loans

FY 24-25 (Q2)Analyst Presentation 20

 OTHER MAJOR RATIOS

PROVISION COVERAGE RATIO

96.17 96.31
93.73 93.58
92.54

Sep'23 Dec'23 Mar'24 Jun'24 Sep'24

SLIPPAGE RATIO CREDIT COST

1.28

3.51
2.13
0.70

0.62

1.72

1.53
0.57

1.24
0.37
0.34

0.34

0.38

0.85

0.56
0.44
DEC'22 DEC'23 MAR'23 MAR'24 JUN'23 JUN'24 SEP'23 SEP'24 DEC'22 DEC'23 MAR'23 MAR'24 JUN'23 JUN'24 SEP'23 SEP'24

FY 24-25 (Q2)Analyst Presentation 21

 RESTRUCTURED BOOK
Standard Restructured Book ₹ in Cr
Segment Sep'23 Dec'23 Mar'24 Jun'24 Sep'24
Retail 400 628 625 596 585
Agriculture 176 256 233 162 149
MSME 477 702 722 687 649
Corporate 819 982 1011 970 916
TOTAL 1872 2568 2591 2415 2299

Standard Restructured: Covid-19 Resolution Framework

Segment Sep'23 Dec'23 Mar'24 Jun'24 Sep'24
Retail 1728 1662 1607 1546 1520
Agriculture 279 279 267 254 225
MSME 1600 1483 1351 1194 1091
Corporate 686 719 639 629 673
TOTAL 4293 4143 3864 3623 3509

Total Standard Restructured Book

Segment Sep'23 Dec'23 Mar'24 Jun'24 Sep'24
Retail 2128 2290 2232 2142 2105
Agriculture 455 535 500 416 374
MSME 2077 2185 2073 1881 1740
Corporate 1505 1701 1650 1599 1589
TOTAL RESTRUCTURED 6165 6711 6455 6038 5808

• Accounts of ₹ 1571 Cr are common between SMA and Restructured Accounts. (SMA0 - ₹ 604 Cr; SMA1 - ₹ 233 Cr; SMA2 - ₹ 734 Cr)

FY 24-25 (Q2)Analyst Presentation 22

 SPECIAL MENTION ACCOUNTS
₹ in Cr

Asset Quality Up to ₹ 5 Cr Above ₹ 5 Cr Total

% of Total Advance
Sep'23 No. of A/Cs Amount No. of A/Cs Amount No. of A/Cs Amount

SMA 0 136979 7951 43 707 137022 8658 3.75

SMA 1 59450 2736 3 67 59453 2803 1.21
SMA 2 73891 3900 8 88 73899 3988 1.73
TOTAL 270320 14587 54 862 270374 15449 6.69

Asset Quality Up to ₹ 5 Cr Above ₹ 5 Cr Total

% of Total Advance
Jun'24 No. of A/Cs Amount No. of A/Cs Amount No. of A/Cs Amount

SMA 0 134532 9672 47 1010 134579 10682 4.26

SMA 1 35648 1631 1 6 35649 1637 0.65
SMA 2 47643 2966 10 117 47653 3083 1.23
TOTAL 217823 14269 58 1133 217881 15402 6.14

Asset Quality Up to ₹ 5 Cr Above ₹ 5 Cr Total

% of Total Advance
Sep'24 No. of A/Cs Amount No. of A/Cs Amount No. of A/Cs Amount

SMA 0 125279 9916 45 538 125324 10454 4.13

SMA 1 30277 1597 8 360 30285 1957 0.78
SMA 2 41063 2840 9 174 41072 3014 1.19
TOTAL 196619 14353 62 1072 196681 15425 6.10

• Accounts of ₹ 1571 Cr are common between SMA and Restructured Accounts.

FY 24-25 (Q2)Analyst Presentation 23

 CAPITAL RATIOS
CAPITAL ADEQUACY RATIO

14.82* 15.08* 15.68 16.27

2.26
2.32
2.68

2.62

14.01
13.36
12.46
12.14
SEP'23 MAR'24 JUN'24 SEP'24

CET-I Tier-II

LEVERAGE RATIO

5.88
5.48
5.13*
4.79*
* CRAR (BASEL recapitalization III) and Leverage Ratio are arrived at after considering the NPV of non-interest
SEP'23 MAR'24 JUN'24 SEP'24
bearing bonds of the GOI subscribed to by the Bank.

FY 24-25 (Q2)Analyst Presentation 24

BUSINESS PERFORMANCE

FY 24-25 (Q2)Analyst Presentation

 BUSINESS ACROSS THE BOARD
₹ in Cr

PARTICULARS SEP'23 SEP'24 Y-o-Y Growth %

Total Business 602284 644858 7.07

Total Deposits
(Including Interbank 371252 391914 5.57
Deposits)

Certificate of Deposit NIL NIL -

CASA Deposits 182838 191270 4.61

CASA % 49.40 48.93 (47 bps)

Total Advances 231032 252944 9.48

RAM 151895 182205 19.95

Corporate 79137 70739 (10.61)

CD Ratio 62.43 64.71 228 bps

FY 24-25 (Q2)Analyst Presentation 26

 DEPOSIT MIX

₹ in Cr

Y-o-Y
PARTICULARS SEP'23 SEP'24
Growth %
SEP'23 SEP'24
Current 16546 17394 5.13

Savings 166292 173876 4.56

0.31% 4.46% 0.26% 4.44%

Total CASA Deposits 182838 191270 4.61

50.44% 50.93%
CASA % 49.40 48.93 (47 bps)

44.79% 44.37% Core Time Deposits 187248 199606 6.60

Total Core Deposits 370086 390876 5.62

Savings Core Time Deposit
Inter Bank Deposits Current Inter Bank Deposits 1166 1038 (10.98)

Total Deposits 371252 391914 5.57

FY 24-25 (Q2)Analyst Presentation 27

 CREDIT PERFORMANCE

₹ in Cr

Y-o-Y
SECTOR SEP'23 SEP'24
Growth %
SEP'23 SEP'24
Retail 66133 76373 15.48

Agriculture 42849 50280 17.34

34.25% 27.97%
28.63% 30.19%
MSME 42913 55552 29.45
RAM
RAM RAM
65.75%
65.71 % 72.03%
RAM 151895 182205 19.95
21.96%
18.57% 18.55% 19.88%
Corporate 79137 70739 (10.61)

Gross Advance 231032 252944 9.48

Agriculture Retail
Corporate MSME
TOTAL Credit RWA 142785 167998 17.66

CRWA % of
61.80 66.42 462 bps
Gross Advance

FY 24-25 (Q2)Analyst Presentation 28

DIVERSIFIED LOAN BOOK

₹ in Cr

SECTOR Amount
As on 30th SEP'24
Housing Loan 48164

Auto Loan 3536

Personal Loan 4573

27.97% 19.04%
Housing Loan Personal Loan
Education Loan 4984 1.40%

1.81% Education Loan Agriculture Loan

Other Retail Loan 15116 RAM
1.97%
Total Retail 76373 72.03% MSME Credit Other Retail Loan
5.97%
Agriculture Loan 50280 Auto Loan Corporate Credit
21.96%
19.88%
MSME Credit 55552

Corporate Credit 70739

Total Advance 252944

FY 24-25 (Q2)Analyst Presentation 29

 RETAIL SEGMENT
₹ in Cr
As on 30th Sep’24

% of Total Retail Advance

Y-o-Y Growth

63.06% 18.51% 6.53% 28.95%

EDUCATION
HOME LOAN LOAN
₹ 48164 ₹ 4984

4.63% 15.18% 5.99% 10.35% 19.79% 4.88%

PERSONAL OTHER LOAN

AUTO LOAN
₹ 3536 LOAN ₹ 15116
₹ 4573

Retail Segment ₹ 76373 30.19% of Total Advance Y-o-Y Growth 15.48%

FY 24-25 (Q2)Analyst Presentation 30

 RATED STANDARD ADVANCES

₹ in Cr

INVESTMENT GRADE
WISE STANDARD
SEP'23 SEP’24 ADVANCES SEP'23 SEP'24 Y-o-Y
(FUND BASED) (%)
(Rs 25 Crore and above)
Unrated BB and Unrated
BB and Below
2.73% 3.75%
Government
Guaranteed
Below 3.37% AAA 28574 23757 (16.86)
Government 2.32%
Advances
Guaranteed 6.07%
Advances AAA. 35.36% AA 20698 19504 (5.77)
7.84% AAA. 39.77%
BBB. 10.52%
BBB.
8.13%
A 6442 8958 39.06
BBB
5838 7070 21.10
A. 8.97%
A. 13.33% (Including CRE)
Government
5632 4076 (27.63)
Guaranteed Advances
Sub-Total 67184 63365 (5.68)
AA. 28.81% AA. 29.03%

BB and Below 1958 1561 (20.28)

Unrated 2701 2262 (16.25)

Total 71843 67188 (6.48)

FY 24-25 (Q2)Analyst Presentation 31

 SANCTIONS & OUTSTANDING
₹ in Cr

GROWTH(%)
GROWTH (%)
SANCTIONS
SANCTIONS DISBURSEMENTS
OUTSTANDING IN DISBURSEMENTS
IN
(Amt.)(Amt.)
SECTOR
Sector (Amt.) SANCTIONS

No. of A/Cs Amt. No. of A/Cs Amt. No. of A/Cs Amt. As on

Y-o-Y Q-o-Q
Jun'24 Jun'24 Sep'23 Sep'23 Sep24 Sep'24 30th Sep24

Retail 65300 5362.05 64903 5231.62 82966 7072.75 76373 35.19 31.90

Agriculture 245523 4766.28 216444 4370.01 264016 6067.81 50280 38.85 27.31

MSME 20756 4125.17 52565 5145.41 37180 6480.98 55552 25.96 57.11

Corporate
Credit 39 11858.02 38 14649.00 35 18046.12 70739 23.19 52.18

TOTAL 331618 26111.52 333950 29396.04 384197 37667.66 252944 28.14 44.26

FY 24-25 (Q2)Analyst Presentation 32

 CO-LENDING
₹ in Cr

GROWTH(%)
GROWTH (%)
SANCTIONS
SANCTIONS DISBURSEMENTS
OUTSTANDING IN DISBURSEMENTS
IN
(Amt.)(Amt.)
SECTOR
Sector (Amt.) SANCTIONS

No. of A/Cs Amt. No. of A/Cs Amt. No. of A/Cs Amt. As on

Y-o-Y Q-o-Q
Jun'24 Jun'24 Sep'23 Sep'23 Sep24 Sep'24 30th Sep24

Retail 8097 655.68 14993 604.29 9399 1021.12 6209.83 68.98 55.73

Agriculture 39635 610.39 23 1.38 20116 297.78 671.41 - (51.21)

MSME 5096 752.48 13890 1208.78 6061 1056.93 6245.67 (12.56) 40.46

Corporate
Credit 1628 175.80 5 168.75 2421 206.24 270.90 22.22 17.32

TOTAL 54456 2194.35 28911 1983.20 37997 2582.07 13397.81 30.20 17.67

FY 24-25 (Q2)Analyst Presentation 33

 ACHIEVEMENT UNDER MANDATED TARGETS

TOTAL PRIORITY SECTOR ADVANCES AGRICULTURE ADVANCES

@ 54.57% of ANBC against norm of 40% @ 21.60% of ANBC against norm of 18%

SURPASSED THE
MANDATED
NORMS IN
RESPECT OF

WEAKER SECTOR ADVANCES TO SMALL AND MARGINAL FARMERS

@ 16.80% of ANBC against norm of 12% @ 10.84% of ANBC against norm of 10%

FY 24-25 (Q2)Analyst Presentation 34

INVESTMENTS

FY 24-25 (Q2)Analyst Presentation

 INVESTMENT PORTFOLIO

₹ in Cr
SEP'23 SEP’24
Particulars Sep'23 Sep'24

Govt. Securities 111984 119053 1.88%

0.03% 0.49%
0.73%
0.03%
0.45%
18.55%
Other Approved - - 20.77%

Shares 2791 2226

1.47%
1.87%
Debentures & Bonds 31007 28046

Subsidiaries & Joint Ventures 670 740

75.00% 78.73%
Others 2810 1110
Total Investment In India 149262 151175 Govt. Securities Other Approved Shares

Investment Outside India 47 47 Subsidiaries & Investment Debentures &

Others
Joint Ventures Outside India Bonds
Grand Total 149309 151222

FY 24-25 (Q2)Analyst Presentation 36

 TREASURY PERFORMANCE

₹ in Cr
INTEREST ON INVESTMENT PROFIT ON SALE OF INVESTMENT
Sep'23 Sep'24
Particulars
(QTR) (QTR)

2547

359
2334

Aggregate Investment 149309 151222

Interest on Investment 2334 2547
Yield on Investment % 6.55 6.93

91
Profit on Sale of Investments 91 359
SEP'23 SEP'24 SEP'23 SEP'24

Profit on Exchange Transaction 40 63

YIELD ON INVESTMENT Dividend Income - 1

YIELD ON INVESTMENT % (Including Trading Profit) %
Profit/Loss of Revaluation of
Investment (16) (31)
6.93
6.55

7.76
6.73
Yield on Investment (Including
Trading Profit)% 6.73 7.76

M - Duration (AFS) 1.85 3.15

SEP'23 SEP'24 SEP'23 SEP'24

10 Year Bench Mark % 7.21 6.75

FY 24-25 (Q2)Analyst Presentation 37

 TREASURY OPERATIONS
₹ in Cr
TOTAL INVESTMENT BOOK SEP’23 SEP’24
AGGREGATE INVESTMENT 149309 151222
PORTFOLIO HTM AFS HFT HTM AFS FVTPL-HFT SAJV
INVESTMENT 109164 39434 711 101568 44840 3959 855
PERCENTAGE 73.11% 26.41% 0.48% 67.16% 29.65% 2.62% 0.57%
TOTAL SLR 111984 119053
Percentage 75.00% 78.73%
CATEGORY WISE 83046 28227 711 79439 38981 633 -

AFS BOOK
Sep'23 Sep'24
13.00% Modified Duration: Modified Duration: 8.00% 1.00%
1.85 - SLR : 1.59 3.15 - SLR : 3.16 4.00%
4.00%
8.00% P.V. 01 (SLR+NSLR): P.V. 01 (SLR+NSLR): 1.00%
6.05 13.81
7.00%

2.00% G-sec & T-bill Corporate Bond

1.00%
CP PSU
82.00%
69.00%
SDL Others

FY 24-25 (Q2)Analyst Presentation 38

DIGITAL JOURNEY

FY 24-25 (Q2)Analyst Presentation

 LEVERAGING TECHNOLOGY

AEPS using Face Customer feedback on branch

Authentication technology level through SMS
CFC – Centralized Forex End to end digital
Cell for end to end lending for MSME
transactions and and CKCC Renewal
improvement in turn
VKYC with generation
around time
of account number

Deceased claim portal on

bank’s website E- OTS Portal

UPI ATM and BBPS

Service by DPTB Launch of UPI ATM–ICD
Digital cash deposit (Interoperable Cardless Cash Deposit)
Slip on mobile app

Rupay in the form of key Front Runner Bank

chain by DPTB Compliance with security standard
Online 3 in 1 facility for PCI DSS Level 1 v4.0
Demat +Trading + Saving
Deceased claim account opening
portal
Integration of Bank’s Pension Portal
Whatsapp Banking with ‘Bhavishya’
UPI Switch including
Merchant App

FY 24-25 (Q2)Analyst Presentation 40

 DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (1/2)

Oct’22 to Sep’23 Oct’23 to Sep’24 UPI Debit Card (POS)

5.34%
1.34% 5.75% 5.68% 1.00% 4.89%
1.20% 0.60% IMPS RTGS/NEFT
0.59% 0.47%

0.47%
0.54%
4.25% Mobile Banking AEPS-BHIM-AADHAR
5.03%

80.21% 82.64% Internet Banking Others

Share of Digital Txns Share of Digital Txns

through ADC 80.04% through ADC 83.46%

PAYMENT ACCEPTANCE TOUCH POINTS OTHER TOUCH POINTS DIGITAL TOUCH POINTS (IN’000)

11206
1686310

11949

8528

3802
4528

4085
3367

NO. OF NO. OF BC NO. OF ATMS INB USERS MOBILE UPI VPA

POS/MPOS UPI QR BANKING USER
BRANCHES OUTLETS

FY 24-25 (Q2)Analyst Presentation 41

 DIGITAL TRANSACTIONS & CUSTOMER TOUCH POINTS (2/2)

IMPS TRANSACTIONS UPI (Remitter + Beneficiary)

1606.40 31261.67

1457.64 23226.48

OCT'22 - SEP'23 OCT'23 - SEP'24 OCT'22 - SEP'23 OCT'23 - SEP'24

MOBILE BANKING INTERNET BANKING

178.84 169.91 176.81

156.11

OCT'22 - SEP'23 OCT'23 - SEP'24 OCT'22 - SEP'23 OCT'23 - SEP'24

TRANSACTIONS (in Lakhs)

FY 24-25 (Q2)Analyst Presentation 42
DIGITAL INITIATIVES IN PROGRESS
Digital Lending Platform (DLP)
The Digital Lending Platform currently offers convenient online loan applications via STP (Straight Through Processing) and assisted modes for
Retail and Agri Gold Loan, KCC, PAPL, and Mudra-Shishu/ Kishore/ Tarun Loans. Additionally, Housing Loans, Cent Business Loans and Vehicle
Loans are expected to be available by the end of Oct-2024. The platform follows best industry practices while streamlining the process,
reducing paperwork and ensuring a seamless experience for borrowers.

Omni Channel Mobile App

The platform will offer a comprehensive suite of financial services, including digital loans, payments and personal finance, accessible through
both app and web. Designed for ease of use, it aims to enhance customer experience and reduce branch workload. The initial launch will focus
on Retail customers with 220+ features expected to be launched by December 2024.

Integrated Customer Care

With the establishment of advanced Integrated Customer Care (ICC), customers can now access support through various channels, including
call, IVR, WhatsApp, social media and email. Customers can also benefit from 24/7 access to banking services and personalized interactions.
We are also implementing AI & ML powered features like web chat, chatbots, voicebots, video banking, and co-browsing. Complaint
Management System has been made live across Bank on 1st August 2024. Lead Management Solution shall be launched in the month of
October, 2024. This ecosystem streamlines grievance handling, digital support, and sales efforts.

Integrations Platform
This platform serves as the digital backbone, connecting various internal and external systems through extensive use of APIs. This enables rapid
market launches and seamless integration with third-party applications. There is also a special emphasis on making the platform secure and
reliable to safeguard the payment ecosystem of the Bank. New channels like WhatsApp Banking, Omni-Channel etc. are being integrated with the
platform to provide enhanced customer service.

Collections Management
To improve collections efficiency, Bank has established two nationwide collections call centers for SMA follow up. Feet-on-Street (FoS)
functionality with smart app & geo tagging was recently launched. Currently 121 FoS are on the field. We have also introduced IVR functionality
for reaching out to low-risk SMA accounts. Also, a simplified loan repayments through UPI apps like GPay, PhonePe, and Paytm was also made
live.

FY 24-25 (Q2)Analyst Presentation 43

 FINANCIAL INCLUSION

S No. of Accounts (in Lakhs) Balance Outstanding (₹ in Cr)

O
C
I P 185.27 7085.69
6987.08 6845.65
A
M 176.59
180.36
L 173.86 6224.66
J 170.15 5965.85

S D
E
Y SEP'23 DEC'23 MAR'24 JUN'24 SEP'24 SEP'23 DEC'23 MAR'24 JUN'24 SEP'24
C
U
R
I
T PMJJBY PMSBY APY
Y
25.11
94.31 94.49 23.21 23.88
S 25.78
24.34 21.10
22.89 22.10 88.70
C 87.11
H
E
M
E SEP'23 MAR'24 JUN'24 SEP'24 SEP'23 MAR'24 JUN'24 SEP'24 SEP'23 MAR'24 JUN'24 SEP'24

No. of Enrollments (in Lakhs)

FY 24-25 (Q2)Analyst Presentation 44
 CENTRAL BANK OF INDIA - GROUP
Subsidiaries ₹ in Cr

Central Bank of India Half Year ended

Particulars
Cent Bank Home Finance Ltd. (Unaudited) Shareholding Sep'23 Sep'24
• Engaged into Housing Finance Activity
• Presence in 12 States through 31 Branches Total Income 78.21 87.57
& 3 SPOKE locations Net Profit/(Loss) 12.24 12.41
• Advances & Investment Portfolio 64.40%
of ₹ 1655.12 Cr Total Assets 1532.99 1682.33
Capital & Reserves 201.08 226.35

Central Bank of India Half Year ended

Particulars
Shareholding Sep'23 Sep'24

Centbank Financial Services Ltd. (Unaudited) Total Income 1.71 5.38

• Engaged mainly into Trusteeship Services Net Profit/(Loss) 0.70 3.41
100%
Total Assets 51.41 62.93
Capital & Reserves 36.20 39.89

Associates / Joint Venture ₹ in Cr

Central Bank of India Half Year ended

Name Particulars
Shareholding Sep'23 Sep'24
Uttar Bihar Gramin Bank, Muzzaffarpur (Reviewed) 35% Net Profit/(Loss) 125.51 63.39
Uttarbanga Kshetriya Gramin Bank, (Reviewed) 35% Net Profit/(Loss) 46.49 47.20
Cooch Behar
Indo Zambia Bank Limited, Zambia (Unaudited) 20% Net Profit/(Loss) 122.26 121.80

FY 24-25 (Q2)Analyst Presentation 45

 CENTRAL BANK OF INDIA - GROUP
Group Position ₹ in Cr

Particulars As on 30th Sep'23 As on 30th Sep'24

CAPITAL & LIABILITIES
Capital 8681 8681
Reserves and Surplus 21653 24818
Minorities Interest 72 81
Deposits 371803 392481
Borrowings 17125 13346
Other Liabilities and Provisions 8347 8400
Total 427681 447807
ASSETS
Cash and Balances with Reserve Bank of India 20625 21146
Balances with Banks and Money at Call and Short Notice 16170 11279
Investments 143559 149524
Loans & Advances 225046 244041
Fixed Assets 4756 5237
Other Assets 17516 16571
Goodwill on Consolidation 9 9
Total 427681 447807

FY 24-25 (Q2)Analyst Presentation 46

 CENTRAL BANK OF INDIA - GROUP
Group Performance ₹ in Cr

Half Year ended

Particulars
Sep'23 Sep'24
INCOME
Interest and Dividend Earned 14636 16602
Other Income 2021 2815
Total 16657 19417
EXPENDITURE
Interest Expended 8400 9608
Operating Expenses 4867 5628
Provisions and Contingencies 2353 2374
Total 15620 17610
Consolidated Net Profit/(Loss) of the Parent & Subsidiaries before Minority Interest 1037 1807
Less: Minority Interest 4 4
Consolidated Net Profit/(Loss) after deducting Minority's Interest 1033 1803
Add: Share of Earnings in Associates 84 63
Consolidated Net Profit/(Loss) Attributable to the Group 1117 1866

Note: Figures of earlier period have been regrouped in this presentation wherever necessary to conform the current year classification.

FY 24-25 (Q2)Analyst Presentation 47

 SHAREHOLDING PATTERN

As on 30th Sep'24

Other Body Corp

Public
0.11%
Insurance Cos..
2.69%
3.48% NRI As on 30th Sep'24
0.06%

Others. 0.23%
FIIs . 0.34%
 Share Capital : 8680.94 Cr
GOI
Banks & FI.
0.01% Banks & FI  Shares of Central Bank of India are
FIIs listed at BSE and NSE
Insurance Cos.
 Equity Shares of Central Bank of
Public India are part of NSE 500, BSE 500
& BSE PSU indices
Other Body Crop

NRIs

Others

GOI. 93.08%

FY 24-25 (Q2)Analyst Presentation 48

 PAN INDIA NETWORK OF BRANCHES
As on 30th Sep'24 1. Ladakh 1
15
Total Branches 4528 1 2. Jammu and Kashmir
3. Himachal Pradesh 56
2
Rural 1612 4. Chandigarh 11
Semi Urban 1343 3 5. Punjab 142
6. Uttarakhand 41
Urban 770 5 4
6 7. Haryana 137
Metro 803 7 8 15
8. National Capital Territory of Delhi 97
9. Rajasthan 170
Total ATMs 4085 12 10. Uttar Pradesh 580
Total BC Outlets 11949 9
10
13 16 11. Bihar 432
11 14 16
Total Customer Touch Points 20562 17
12.
13.
Sikkim
Assam 119
19 14. Meghalaya 9
25 18
22 23 20 15. Arunachal Pradesh 8
17.73%
16. Nagaland 8
35.60% 24
26 17. Manipur 9
21
18. Mizoram 2
27 19. Tripura 6
17.01% 20. West Bengal 315
28 21. Odisha 104
22. Gujarat 306
23. Madhya Pradesh 459
29 31
30 24. Chhattisgarh 116
29.66% 25. Jharkhand 89
26. Dadra & Nagar Haveli and Daman & Diu 3
Rural Semi Urban Urban Metro 27. Maharashtra 589
32 33 34 28. Telangana 100
35 29. Goa 30
Western North
Northern Eastern Southern 30. Karnataka 105
Central East 31. Andhra Pradesh 129
32. Kerela 118
% Share 33.21% 27.61% 3.90% 20.78% 14.50%
33. Tamil Nadu 202
No. of Branches 1503 1250 177 941 657 34. Puducherry 3
35. Andaman and Nicobar Islands 1

FY 24-25 (Q2)Analyst Presentation 49

 GUIDANCE
GUIDANCE FOR ACHIVEMENTS
PARAMETERS FY 24-25 (QTR Sep’2024)

Business Growth 10-12% 7.07%

Deposit Growth 8-10% 5.57%
Advances Growth 14-15% 9.48%
CASA 50%(+/- 1%) 48.93
RAM: Corporate Credit Ratio 65:35 (+/-5%) 72:28
NIM Above 3% 3.44%
Gross NPA Below 4% 4.59%
Net NPA Below 1% 0.69%
PCR 95 – 96% 96.31%
Less than 0.50%
Slippage Ratio 0.38%
on Q-o-Q basis
Credit Cost (Annualized) 1.00 – 1.25% 0.56%
Return on Assets 0.75- 0.85% 0.85%
Cost to Income Ratio 50 – 52% 57.19%

FY 24-25 (Q2)Analyst Presentation 50

 ENVIRONMENT, SOCIAL AND GOVERNANCE

Environment Social Governance

• The Bank identified 16 feasible sites out of 105 • One-Day Online Workshop on Climate Risk for • The Bank has been awarded “Iconic Brand of
owned premises for Rooftop solar panel Banks was conducted by CAB, RBI and 13 India” by the ET now.
installation. Currently 323 kw of energy is participants from the bank attended it.
obtained from solar panels and the bank plans • ESG rating provider CRISIL provided 61 rating
to reach 543 kw through renewable energy • Indian Institute of Corporate Affairs (IICA) to the Bank which gives a strong outlook
after completion of implementation at all the Director’s Certification Program in ESG towards Bank’s initiatives on ESG. It is a
sites. leadership was attended by 1 member from result of evolving disclosures of the bank and
the Bank. acceptance of green deposits with an extra
• The Bank organized around 205 events under return on investment (ROI) to support the
which 1150 saplings were planted, 2300 • The bank utilized ₹ 32.20 lakhs worth CSR United Nations SDGs and empower
cleanliness drives were conducted and 5 health funds as on 30th September 2024. depositors to opt for financial products that
checkups were organized pan India. positively impact the environment.
• The Bank has been recognized as the “Most
• MSME dept. launched two more ESG related Preferred workplace for Women” by the • The bank also has a dedicated investor
schemes, Scheme for Promotion and Republic TV and Marksman. grievance redressal mechanism.
Investment in Circular Economy (Cent SPICE)
and Green Investment and Financing for
Transformation Scheme (Cent GIFT) on 9th
August 2024 and Rs.85 lakhs worth of loans
have been sanctioned under these schemes as
on 30th September 2024.

FY 24-25 (Q2)Analyst Presentation 51

AWARDS AND RECOGNITION

FY 24-25 (Q2)Analyst Presentation 52

AWARDS AND RECOGNITION

FY 24-25 (Q2)Analyst Presentation 53

PRODUCT OFFERING

FY 24-25 (Q2)Analyst Presentation 54

DISCLAIMER

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.

FY 24-25 (Q2)Analyst Presentation 55

THANK
YOU
FY 24-25 (Q2)Analyst Presentation