1. 1 FINANCIAL RESULTS FOR THE HALF YEAR ENDED 30 TH SEPTEMBER 2009. ANALYST PRESENTATION LOTUS SUITE, HOTEL TRIDENT. 6 TH November 2009

2. 2 1.Bank an Overview 2.Performance Highlights 3.Key Initiatives Contents

3. 3 BANK WITH A STRONG PRESENCE AND LARGE ASSET BASE 30 th SEPTEMBER 2009 India's third largest bank based on number of branches (3546) Capital Adequacy (Basel II) 12.23 % NPA Coverage-cum- Provision 74.28% Deposits Rs.1,51,506 Crore Advances Rs.92,212 Crore Investments Rs.57,178.11 Crore Net NPAs 0.69 % BANK ESTABLISHED ON 21 ST DECEMBER,1911

4. 4 125 (3%) 482 (14%) 949 (27%) 749 (21%) 744 (21%) 497 (14%) CENTRAL BANK OF INDIA : GEOGRAPHICAL SPREAD TOTAL NUMBER OF BRANCHES :3546

5. 5 CENTRAL BANK OF INDIA : A PAN INDIA PRESENCE Total Branches3546 Rural1379 Semi Urban889 Urban680 Metropolitan598 ATMs400 CBS Branches1211

6. 6 CENTRAL BANK OF INDIA – SHAREHOLDING PATTERN as on 30 th SEPTEMBER ’2009

7. 7 INCREASING SHAREHOLDERS’ VALUE Share Capital Rs. 1321.14 cr No. of Shares 40.414 cr Sept’09 Sept’08 Net Worth (Rs. cr) 4980.84 4055.15 Book Value per Share (Rs.)* *Excluding Revaluation Reserves 100.55 80.54 Book Value per Share (Rs.)# #Including Revaluation Reserves 149.91 130.62 Earnings per Share (Rs.) 13.28 2.83 Return on Equity (%) 14.29 4.76 Return on Assets (%) 0.77 0.25

8. 8 1.Bank an overview 2.Performance Highlights 3.Key Initiatives Contents

9. 9 BUSINESS GROWTH (Rs.Crore) 30 th Sept’0930 th Sept’08YoY Growth (%) FY (2008-09) Growth over Mar’09 (%) Deposits 1,51,506 1,16,365 30.20 1,31,272 15.41 Loans & Advances 92,212 80,827 14.09 86,740 6.30 Total Business 2,43,718 1,97,192 23.59 2,18,012 11.79 Investments 57,178.11 34,778.76 64.40 44,445 28.64 CD Ratio 60.86 69.50 --- 66.10 ---

10. 10 DEPOSIT GROWTH - SEGMENT WISE (Rs.Crore) 30 th Sept’0930 th Sept’08Mar’09% Growth over Mar’09 Current Deposits 10,248 (6.76%) 10,601 (9.11%) 10,112 (7.70%) 1.34 Savings Deposits 36,502 (24.09%) 31,695 (27.23%) 33,680 (25.65%) 8.37 Total CASA Deposits 46,750 (30.85%) 42,296 (36.34%) 43,792 (33.35%) 6.75 Term Deposits 1,04,756 (69.15%) 74,069 (63.66%) 87,480 (66.65%) 19.74 Total Deposits 1,51,506 1,16,365 1,31,272 15.41 Cost of Deposits (%) 6.52 6.80 6.90 ---

11. 11 LOANS & ADVANCES (Rs.Crore) 30 th Sept’09 30 th Sept’08 YoY Growth (%) FY (2008-09) Growth over Mar’09 (%) Total Loans & Advances 92,212 80,827 14.09 86,740 6.30 -Corporates & Others 57,793 (62.68%) 54,580 (67.53%) 5.886 58,950 (67.96%) (1.96) -SME 10,062 (10.91%) 5796 (7.17%) 73.60 6002 (6.92%) 67.64 -Agriculture 14,532 (15.76%) 11,816 (14.62%) 22.98 13,669 (15.75%) 6.31 -Retail 9825 (10.65%) 8635 (10.68%) 13.78 8119 (9.36%) 21.01 -Housing 4845 4252 13.94 4422 9.56 -Education 957 766 24.93 857 11.66 -Others 4023 3617 11.22 2840 41.65

12. 12 INVESTMENTS (Rs.Crore) 30 th Sept’09 30 th Sept’08 YoY Growth(%) FY (2008-09) Growth over Mar’09 (%) Total Investments 57,178.1134,778.76 64.40 44,445 28.64 Trading Income 430 (44) 1077.27 410 4.87 Yield on Investments (%) 6.79 7.07 --- 6.89 --- SLR Portfolio 92.36 86.07 --- 88.73 ---

13. 13 INVESTMENTS : QUALITY (Rs.Crore) 30 th Sept’09 % of Total Portfolio 30 th Sept’08 % of Total Portfolio SLR52,809.17 92.3529,933.73 86.07 Held For Trading 0 0 0 0 Available For Sale18795.35 35.60 4713.67 15.74 Held To Maturity34013.82 64.40 25220.06 84.26 Non-SLR 4368.94 7.65 4845.03 13.93 Total57,178.11 10034,778.76 100 Shifting of Securities AFS to HTM 1178 2.03 0 0 HTM to AFS 32.15 0.05 0 0

14. 14 KEY INDICATORS Sept’09 (Q2) Sept’08 (Q2) 30 th Sept’09 (H1) 30 th Sept’08 (H1) Return on Avg. Assets (%) 0.80 0.31 0.77 0.25 Earnings per Share (Rs.) 7.76 2.37 13.28 2.83 Return on Equity (%) 7.72 2.95 14.28 4.76

15. 15 PROFITABILITY INDICATORS (Rs.Crore) Sept’09 (Q2) Sept’08 (Q2) QoQ Growth (%) 30 th Sept’09 (H1) 30 th Sept’08 (H1) YoY Growth (%) Gross Income3384.12 2768.89 22.22 6580.18 5341.42 23.19 Gross Expenses 2870.32 2474.73 15.99 5705.45 4825.68 18.23 Operating Profit 513.81 294.15 74.67 875.00 515.74 69.66 Net Profit 313.93 96.15 226.49 581.00 155.00 274.84 NIM (%) 1.78 2.35 --- 1.81 2.05 --- Net Interest Income 573.96 646.29 (11.19) 1151.14 1123.10 2.49 Non Interest Income 408.60 94.49 332.43 802.18 255.73 213.68 Non Interest Income(adj) 511.23 95.88 433.20 1009.23 276.42 265.10

16. 16 PROFITABILITY INDICATORS % Annualised Sept’09 (Q2) Sept’08 (Q2) 30 th Sept’09 (H1) 30 th Sept’08 (H1) FY 2008-09 Yield on Advances 9.92 10.53 9.97 10.15 10.19 Yield on Investments 6.78 7.25 6.79 7.07 6.89 Cost of Deposits 6.54 6.86 6.52 6.80 6.90 Cost to Income Ratio 47.71 60.29 55.22 62.60 56.44 Non-Interest Income/Total Income 12.19 3.41 12.07 4.78 9.28 Cost of Funds 6.57 6.94 6.55 6.84 6.94 Yield on Funds 8.88 9.74 8.94 9.28 9.24

17. 17 PRODUCTIVITY INDICATORS (Rs.Crore) Sept’09 (Q2) Sept’08 (Q2) YoY Growth (%) 30 th Sept’09 (H1) 30 th Sept’08 (H1) YoY Growth (%) Business per Employee 7.10 5.55 27.926.885.47 25.77 Business per Branch 64.25 55.56 15.6462.3054.75 13.78 Gross Profit per Employee (in lakhs) 6.40 3.47 84.435.453.04 79.27 Gross Profit per Branch (in lakhs) 57.96 34.75 66.7949.3430.46 61.98 Net Profit per Employee (in lakhs) 3.91 1.13 246.303.620.92 293.47 Net Profit per Branch (in lakhs) 35.41 11.36 211.8032.759.18 256.75

18. 18 OTHER INCOME (Rs.Crore) Sept’09 (Q2) Sept’08 (Q2) YoY Growth (%) 30 th Sept’09 (H1) 30 th Sept’08 (H1) FY 2008-09 Commission, Exchange and Brokerage 143.19 107.97 32.62 252 207 446 Trading Profit On Investments 159.16 (54.91) 389.85 430 (44) 410 Recovery In Written Off Accounts 49.17 23.17 112.55 83 33 84 Other Income 57.08 18.26 212.60 37 60 130 Total 408.60 94.49 332.10 802 256 1070

19. 19 NPA MOVEMENT (Rs.Crore) Sept’09 Sept’08 Gross NPAs:Opening on 1 st April 2443 2470 Add:Additions 368 232 Less:Deductions 1.Write Off 2 1 2.Upgradation 111 187 3.Recoveries 144 149 Gross NPAs 2430 2256 Gross Credit 92212 80827 Gross NPA as % of GBC 2.64 2.79 Net NPA 625 926 Net Advances 90407 79496 Net NPA as % of Net Advances 0.69 1.17

20. 20 PROVISIONS (Rs.Crore) Sept’09 (Q2) Sept’08 (Q2) 30 th Sept’09 (H1) 30 th Sept’08 (H1) Taxation 135.57 91.46 255.88 98.63 NPA (excluding adhoc provision for Standard Assets) 33.75 83.04 98.27 43.60 Standard Assets 0 33.08 0 44.84 Depreciation on Investments 14.07 (9.09) (86.43) 172.19 Others (Frauds, Restructured Adv. etc.) 16.49 (0.48) 26.29 1.01 Total 199.88 198.01 294.01 360.27

21. 21 RESTRUCTURED ASSETS (Rs.Crore) Sr. No.Details of Restructured AccountsAccountsAmountAmt of Provisions 1 March 2008-09 34861 2013.1546.18 2 April-June 2009 1461 1664.325.78 3 July-Sept 2009 1443 351.8210.40 Total 37765 4029.2962.36

22. 22 CAPITAL ADEQUACY RATIO (%) 30 th Sept’0930 th Sept’08FY 2008-09 Basel I CRAR 11.56 9.85 11.75 Tier I 6.40 5.25 6.24 Tier II 5.16 4.60 5.51 Basel II CRAR 12.23 N.A. 13.12 Tier I 6.77 N.A. 6.97 Tier II 5.46 N.A. 6.15

23. 23 1.Bank an overview 2.Performance Highlights 3.Key Initiatives Contents

24. 24 KEY INITIATIVES DURING QUARTER CORPORATE BANKING  MIBOR based Loans  Foreign Currency FCNR(B) Loans.  Line of Credit for Equipment Purchase  Channel Finance  Vendor Finance  CP Linked Short Term Loan TREASURY AND INVESTMENT  Operation in Currency Futures & Interest Rate Futures  IPO/FPO Financing.  Underwriting of Equity Loans.  CEFICUS under conversion into Capital Market Advisory Services.

25. 25 KEY INITIATIVES DURING QUARTER TECHNOLOGY INITIATIVES  Phase I of CBS completed. 80% of business covered.  SMS Alerts for all account holders  Prepaid Gift Card  Retail Sale of Gold Loans  Auto Debt Facility introduced for payment of bills.  Pre-Activated ATM Cards  3D secure code for online credit transactions.  Internet Banking  To install 500 onsite ATMs

26. 26 KEY INITIATIVES DURING QUARTER PRIORITY SECTOR  IT based Financial Inclusion.  Nodal Bank for Patna District.  Nodal Bank for NREGA in Rajasthan  MoU with Govt. of Gujarat.  Tie-up with various Corporate houses for direct financing of farmers whose produce is purchased by them. RETAIL  Launched “Cent Doctor” for financing registered Medical Practitioners.  Bank has been enrolled as one of the Point of Presence for New Pension Scheme by PFRDA.  Centralised Credit Processing Centre for Retail Loans.

27. 27 THANK YOU