Central Bank of India

Investor meeting details

• Management participated in Bharat Connect Conference: Rising Stars on 30 September 2026.
• No UPSI disclosed; discussions based on publicly available information.

Business overview

• Public sector bank established 1911; expanding digital banking with Cent NEO.
• Pan-India network with 4,605 branches, 3,820 ATMs, 13,890 BC outlets (as of Jun 2026).
• Exited RBI PCA framework as of Sep 2022; Jun 2026 quarter shows improved capital and asset quality.

Operational highlights

• Inaugurated IFSC Banking Unit at GIFT City on June 29, 2026.
• Launched 45 DLP journeys enabling faster approvals and digital lending.
• Cent eT₹ade portal enables forex/trade; 115 Pink Branches; 159 NRI desks.
• IBU at GIFT City portfolio stood at USD 845 million as of Aug 31, 2026.
• Launched Cent Prestige, Cent Achiever, Cent Parakram, Cent Swayam, Cent SheBIZ.

Financial performance

• Net profit ₹1,324 Cr (latest quarter).
• CRAR 18.28%, CET1 16.54%, Net NPA 0.49%, Leverage 6.33%.
• ROE 14.92% in Q1 FY'27; Cost to Income 55.40%.
• Gross NPA 2.60%; NIM around 3.06% in Q1 FY'27.

Capital structure & liquidity

• Exits PCA framework; no further debt or equity actions disclosed.

Strategic priorities & outlook

• Build granular CASA via targeted acquisition and deepening relationships.
• Increase fee income through trade/forex, POS, and bancassurance.
• Leverage technology for faster onboarding and digital channels.
• Launch Bharat Connect for Business to boost B2B payments.

Risks & mitigation

• Forward-looking statements subject to macro risks; RBI regulatory context noted.

Governance & leadership

• 115 Pink Branches introduced to promote women leadership.
• Rajbhasha Kirti Pratham Award received; ESG governance emphasized.
• NRI desks established across 159 branches.

Investor meet outcome

• Outcome of the Group Analyst/Investor Meet held on 28 September 2026.
• Attendees include Baroda BNP Paribas AMC India Pvt. Ltd.
• Attendee: MIRAE Asset Mutual Fund.
• Attendee: Bandhan AMC Limited.
• Attendee: Systematix Group.
• Attendee: Invexa Capital LLP.
• Attendee: BP Wealth.
• Attendee: JNJ Holdings Pvt. Ltd.
• Attendee: Indus Equity Advisors.
• Only information in the public domain was discussed.

Strike deferment and operations

• Strike planned by UFBU for 28-30 Sep 2026 and from 26 Oct is deferred after IBA discussions.
• Branches across India are functioning normally with uninterrupted banking services.
• Regulatory note under SEBI LODR Regulations 2015 was observed.

Executive Director term extension

• Extension of Mahendra Dohare's tenure as Executive Director of Central Bank of India.
• Current term expires 08.10.2026; extended for three years or until further orders.
• Extension notified by Department of Financial Services, MoF, Government of India dated 23 September 2026.

Central Bank of India: Trading Window closed from 01 October 2026 till 48 hours after the declaration of financial results for the second quarter and six months period ending 30 September 2026

Meeting Details

• Date and time: 30 September 2026, 01:00–02:00 IST
• Type: Group meeting; Mode: Virtual
• Event/organiser: Bharat Connect Conference – Rising Stars; organiser Arihant Capital
• Key participants: Bank management
• Purpose: investor interaction; discussions based on public information
• Recording/presentation: presentation to be made available

Meeting Details

• Date and time: Monday, 28 September 2026 at 04:00 PM IST.
• Type: Group Meeting.
• Mode: Physical.
• Venue: Mumbai.

Participants

• Company representative: Company Secretary & Compliance Officer.

Purpose

• Analyst/Investors meet to discuss company updates.

Launch details

• Central Bank of India launched Bharat Connect for Business in partnership with NPCI Bharat Bill Pay Ltd (NBBL).
• Launched at Global Fintech Fest 2026 in Mumbai, with presence of Central Bank of India MD & CEO and NBBL CEO.
• Platform provides an integrated digital ecosystem to generate invoices, make and receive payments, manage collections and settlements.
• Aims to simplify digital transactions for MSMEs and improve efficiency through technology-led financial solutions.
• Positioned as the first PSU bank to launch the platform.
• Partnership with NPCI Bharat Bill Pay Ltd to drive digital B2B payments.
• Supports digital payments ecosystem and aligns with the vision of Viksit Bharat.

Strike notice and operations

• UFBU strike on 11 Sep; 28–30 Sep; from 26 Oct 2026; bank to ensure smooth functioning of branches.