Central Bank of India (CENTRALBK) Corporate presentation summary

Strategic positioning and legacy

• Over 114 years of operations with a strong brand and extensive rural and semi-urban presence, serving 8.26 crore active customers as of March 2026.

• Pan-India network with 4,585 branches, 3,819 ATMs, and 13,685 business correspondents.

• Recognized for pioneering several banking industry firsts, including services for municipalities, women, and recurring deposit schemes.

• Leadership team includes experienced professionals and government nominees, ensuring robust governance.

Financial performance and growth

• Total business crossed ₹8 lakh crore, with deposits at ₹4.68 lakh crore and gross advances at ₹3.44 lakh crore as of March 2026.

• Net profit for FY26 reached ₹4,369 crore, up 15.43% YoY, with operating profit at ₹8,479 crore.

• Net interest margin stood at 3.07%, among the highest in the industry, and ROE improved to 13%.

• CASA ratio at 47.3%, supporting low-cost deposits and improved profitability.

• Sustained improvement in return ratios and consistent profitability over 20 quarters.

Asset quality and capital adequacy

• Gross NPA reduced to 2.67% and net NPA to 0.49% by March 2026, reflecting strong asset quality improvement.

• Provision coverage ratio (PCR) at 95.97%, with slippage and credit costs on a declining trend.

• Capital adequacy ratio (CRAR) improved to 17.91%, with CET1 at 15.61%.

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