Central Bank of India submitted its corporate presentation to exchanges on 7th May 2026, providing a comprehensive overview of its financial performance, business operations, asset quality, capital position, and digital banking initiatives for the financial year ended 31st March 2026. Founded in 1911 as the first Swadeshi Bank by Sir Sorabji Pochkhanawala, the bank carries a legacy of more than 114 years and serves an active customer base of 8.26 Crore as of 31st March 2026. The bank operates a PAN India distribution network comprising 4585 full-service domestic outlets, 3819 ATMs, 13685 Business Correspondents, and 40 BC Maxx Centres.

Key Financial Highlights for FY'26

The bank delivered a net profit of ₹4,369 Crore for the financial year ended 31st March 2026, a year-on-year growth of 15.43%. Net Interest Income (NII) stood at ₹14,171 Crore, up 1.97% YoY, while operating profit reached ₹8,479 Crore, growing 4.37% YoY. Return on Assets (ROA) improved to 0.89% and Return on Equity (ROE) stood at 13.00%, up 52 basis points YoY. Earnings Per Share (EPS) for the full year was ₹4.83, reflecting a YoY growth of 10.78%, and Book Value per share stood at ₹38.23, up 6.22% YoY. Net Interest Margin (NIM) for the full year was 3.07%.

Note: Net profit, ROA, ROE, and EPS figures are after taking a one-time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹632 Crore.

The following table summarises the bank's income and expenditure statement on a standalone basis (₹ in Cr):

*After taking one-time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹632 Crore.

Balance Sheet and Business Performance

The bank's total balance sheet size grew to ₹5,49,480 Crore as on 31st March 2026, from ₹4,79,128 Crore as on 31st March 2025. Total deposits rose to ₹4,67,923 Crore, while Loans & Advances expanded to ₹3,36,997 Crore. The CASA ratio stood at 47.30% with total CASA deposits of ₹2,20,781 Crore. The bank's total business was reported at ₹8.12 Lakhs Crore as of the quarter ended 31st March 2026.

The following table presents the balance sheet summary (₹ in Cr):

Improving Asset Quality

The bank demonstrated a consistent improvement in asset quality over the five-year period. Gross NPA declined to 2.67% as of March 2026 from 14.84% in March 2022, while Net NPA fell to 0.49% from 3.97% over the same period. Provision Coverage Ratio (PCR) stood at 95.97% as of FY'26. The slippage ratio improved to 1.16% in FY'26 from 3.20% in FY'22, and credit cost declined to 0.52% in FY'26 from 1.40% in FY'22.

Capital Adequacy and Credit Ratings

The bank maintained a strong capital base with CET1 at 15.61% and CRAR (Basel III) at 17.91% as of the quarter ended 31st March 2026. The bank holds investment-grade ratings across multiple agencies, as detailed below:

Key Sustained Headline Numbers

The following table presents the bank's key performance ratios on a standalone basis over five financial years:

*After taking one-time impact of recognition of Deferred Tax Asset at 25.168% as against 34.944% amounting to ₹632 Crore.

Digital Banking and Technology Initiatives

The bank's Digital Lending Platform (DLP) reported total outstanding of ₹6,679.91 Crores. The platform currently has 37 journeys live in the production environment, covering Retail, MSME, Agri & Social, and Liabilities segments. Key digital metrics for FY'26 include:

• Internet Banking Users: 117.62 Lacs
• Cent Mobile Users: 93.36 Lacs
• UPI Transactions: 520.69 crore
• IMPS, NEFT & RTGS: 38.85 Crore
• Share of Digital Transactions: 90.54%
• Total Digital Transactions: 1,584.34 Crore

The bank also launched several customer-centric innovations including a Digital Account Opening Platform (DKYC Tab-based, live since May 2025; VKYC/VCIP-based, revamped journey live since July 2025), Virtual Debit Card issuance via the Cent eeZ Banking Application, and an ATM Currency Denomination Availability feature. The bank also completed domain migration to "bank.in" to enhance cybersecurity posture and ensure compliance readiness.

Awards and Recognition

During FY'25-26, Central Bank of India received several recognitions, including:

• First Prize for Regional Official Language 2024-25 of North Eastern Region, awarded by the Government of India
• "Best Organisation for Women" at the ET Edge award ceremony 2026
• Customer Experience Transformer at Data Innovation Awards 2026, hosted by Hitachi Vantara/Dataquest

Central Bank of India has officially announced its 4th interim dividend for FY 2025-26 through a regulatory filing under SEBI (LODR) Regulations, 2015. The bank's Board of Directors approved the dividend declaration during their meeting held on April 30, 2026, at Mumbai, alongside other strategic corporate developments. Subsequently, the bank published newspaper advertisements on May 4, 2026, pursuant to Regulation 47 & 52 of SEBI (LODR) Regulations, 2015, to formally intimate shareholders about the record date for dividend payment and applicable Tax Deducted at Source (TDS) provisions. The submission to stock exchanges was made on May 5, 2026, and was signed by Chandrakant Bhagwat, Company Secretary & Compliance Officer.

Dividend Declaration and Key Details

The Board of Directors approved the 4th interim dividend at 6%, translating to ₹0.60 per equity share with a face value of ₹10 each. The bank has established Friday, May 8, 2026, as the record date for determining member entitlement for the interim dividend payment.

Newspaper Publication and Shareholder Intimation

Pursuant to Regulation 47 & 52 of SEBI (LODR) Regulations, 2015, the bank published advertisements on May 4, 2026, across multiple newspapers to inform shareholders of the record date and TDS implications. The notice was submitted to the exchanges on May 5, 2026.

TDS on Dividend and Shareholder Actions

In terms of the provisions of the Income-tax Act, 1961, as amended by the Finance Act, 2020, dividend paid or distributed by the bank on or after April 1, 2020 is taxable in the hands of shareholders. The interim dividend declared will be subject to deduction of withholding tax (Tax Deducted at Source) by the bank as per the rates applicable to each category of shareholders as per the record date. Shareholders seeking exemption from tax deduction are requested to submit duly filled-in and signed Form 15G/15H on the RTA Web-Portal on or before May 15, 2026. No recommendation or documents on tax determination or deduction will be considered thereafter.

Shareholders holding shares in demat form are requested to update their KYC details — including PAN, postal address, email ID, bank account details, and nomination details — through their Depository Participant at the earliest. Shareholders holding shares in physical form are requested to update KYC details by sending a duly filled ISR form along with requisite documents to the bank's Registrar and Transfer Agent, Intime India Pvt. Ltd., C-101, 247 Park, L.B.S. Marg, Vikhroli (West), Mumbai 400 083, or via email.

Comprehensive Board Meeting Outcomes

The Board meeting, which commenced at 4:00 PM and concluded at 5:55 PM, addressed multiple strategic initiatives beyond the dividend declaration. The directors considered and approved audited standalone and consolidated financial results for both the quarter and financial year ended March 31, 2026. The bank has fulfilled all regulatory requirements under SEBI (LODR) Regulations, 2015, particularly Regulations 30, 33, 47, 52, and related provisions. The comprehensive documentation includes audited financial results with auditors' reports, declaration on audit report with unmodified opinion, statement of deviations in issue proceeds utilization, security cover certificate, and disclosure of related party transactions for the half year ended March 31, 2026.

Strategic Capital Raising Initiative

Alongside the dividend announcement, the bank has approved an ambitious capital raising plan aggregating to ₹7000.00 crore for FY 2026-27. This capital infusion strategy encompasses multiple funding mechanisms including Follow-on Public Offer (FPO), Rights issue, Qualified Institutional Placement (QIP), Preferential issue, or any combination thereof.

Annual Dividend Performance

With this 4th interim dividend declaration, Central Bank of India demonstrates consistent shareholder value creation throughout FY 2025-26. Combined with the previous three interim dividends totaling 6.00%, the cumulative dividend for the financial year reaches ₹1.20 per share, representing 12.00% of the face value. This substantial capital raising plan of ₹7000.00 crore positions the bank strategically to enhance capital adequacy ratios, support growth initiatives, and meet evolving regulatory requirements.