Central Bank of India (CENTRALBK) Corporate presentation summary

Business overview and legacy

• Over 114 years of legacy with a strong brand and pan-India presence, including 4,606 branches and 22,346 customer touch points as of June 2026.

• Focus on digital transformation with Cent NEO and a robust CASA base at 46.61% of total deposits.

• Active customer base of 8.33 crore and a staff strength of 34,125.

• Notable historical firsts in Indian banking, including first to serve municipalities, publish fortnightly statements, and offer dedicated women's banking services.

Financial performance and profitability

• Net profit for FY 2025-26 reached ₹4,369 crore, up 15.43% YoY, with operating profit at ₹8,479 crore.

• Net Interest Margin (NIM) at 3.07%, among the highest in the industry.

• Return on Equity (ROE) improved to 13.00%, and Return on Assets (ROA) to 0.89%.

• Book value per share rose to ₹38.23, with EPS at ₹4.83.

• Sustained profitability with quarterly net profit of ₹1,324 crore in Q1 FY27.

Asset quality and capital adequacy

• Gross NPA reduced to 2.60% and Net NPA to 0.49% as of June 2026.

• High Provision Coverage Ratio (PCR) at 95.86% and slippage ratio down to 0.29%.

• Credit cost declined to 0.40%, reflecting improved underwriting and asset quality.

• Capital Adequacy Ratio (CRAR) at 18.28% and CET-1 at 16.54% in Q1 FY27.

• Exited RBI's Prompt Corrective Action (PCA) framework in September 2022.