1. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. % CENTRAL BANK OF INDIA Presentation to Analyst February 02,2010 FINANCIAL RESULTS FOR THE QUARTER ENDED 31 ST DECEMBER 2009.

2. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Performance Highlights Q3 FY109M FY10 Net Interest Income 8.7% 4.8% Non Interest Income 17.0% 105.2% Operating Revenue 15.0% 14.1% Operating Profit 26.5% 49.1% Net Profit13.3%74.4% Net Interest Margin 2.04% 1.84% Cost of Funds 6.16% 6.38% 1

3. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Bank With Pan India Presence 125 (3%) 483 (14%) 954 (27%) 750 (21%) 748 (21%) 499 (14%)

4. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Demographic Distribution of Branches

5. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Brick & Mortar Presence Total Branches3559 Rural1379 Semi Urban894 Urban681 Metropolitan605 ATMs400 CBS Branches1223 Zonal Offices16 Regional Offices78 Number of RRBs8 Total Number of RRB Branches 1734

6. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Business Growth Rs. in crore 31% 12%

7. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Business Growth Q3FY10Q3FY09YoY Growth (%) FY09Growth Over Mar’09 Deposits1,55,648 1,18,78231.031,31,27218.60% Loans & Advances 91,074 81,46711.80 86,740 5.00% Business Mix2,46,722 2,00,24923.212,18,01213.17% Investments 54,33837,02546.80 44,44622.30% Rs in crore

8. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Deposits Rs in crore

9. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Distribution of Deposits

10. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Segment-wise Deposits DepositsQ3FY10YOY Growth % Q3FY09YOY Growth % Current9424(2.40)965217.4 Savings3717016.73186111.4 Total CASA4659412.24151312.6 Term10905441.17726928.3 Total Deposits15564831.011878222.4 Rs in crore

11. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Loans & Advances Q3FY10Q3FY09YoY Growth (%) FY09YoY Growth (%) Total Loans & Advances 91,074 81,46711.8 86,7405.0 - Corporates & Others 50,060 (55.0%) 45,868 (56.3%) 9.2 48,338 (55.72%) 3.6 - Priority Sector 30,731 (33.8%) 26,778 (32.9%) 14.8 29332 (33.81%) 4.8 - Retail 10,283 (11.3%) 8821 (10.9%) 16.6 9070 (10.45%) 13.4 -Housing 5026439114.5 442213.7 -Education 108278138.6 85726.3 -Others 4175364914.4 379110.2 Rs in crore

12. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Retail Advances Portfolio Rs in crore

13. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Profitability Q3FY10Q3FY09QoQ Growth (%) 9MFY109MFY09YoY Growth (%) Gross Income 3495.42 3033.4115.2310075.60 8374.8320.30 Gross Expenses 2905.66 2566.9513.20 8611.11 7392.6316.48 Operating Profit 589.76 466.4626.43 1464.49 982.2049.10 Net Profit 306.45 353.26(13.25) 887.17 508.7374.38 NIM (%) 2.04 2.37 1.85 2.16 Net Interest Income 730.51 671.94 8.71 1881.65 1795.04 4.82 Non Interest Income 364.12 311.19 17.00 1166.30 566.92105.72 Rs in crore

14. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Profitability Indicators (%) Q3FY10Q3FY099MFY109MFY09FY 2008-09 Yield on Advances 9.82 10.46 9.89 10.23 10.19 Yield on Investments 6.72 7.14 6.70 7.03 6.89 Cost of Deposits 6.10 6.89 6.34 6.82 6.90 Cost to Income Ratio 46.21 52.55 51.95 58.42 56.44 Non-Interest Income/ Total Income 10.41 10.25 11.57 6.76 9.28 Cost of Funds 6.16 6.94 6.38 6.83 6.94 Yield on Funds 8.81 9.61 8.84 9.38 9.24

15. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Cost-Income Ratio

16. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Other Income Q3FY10Q3FY09YoY Growth (%) 9MFY109MFY09Growth (%) Commission, Exchange and Brokerage 115 9422.34 367 30121.92 Trading Profit On Investments 1751618.7605117209 Recovery In Written Off Accounts 331217511645157.8 Other Income4144(6.81)78104(25) Total36431117.041166567105.64 Rs in crore

17. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Investments: Classification Q3FY10% of Total Portfolio Q3FY09% of Total Portfolio SLR48864 89.92 30707 82.94 Held For Trading 688 1.26 5 0.01 Available For Sale14816 27.26 9803 26.48 Held To Maturity38834 71.46 27217 73.51 Non-SLR 5474 10.08 6318 17.06 Total54,338 100 37,025 100 Shifting of Securities AFS to HTM 1175 1142.73 HTM to AFS 32.15 0 Rs in crore

18. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. 9MFY109MFY09 Return on Avg Assets (%) 0.76 0.54 Earnings per Share (Rs.) 21.95 12.58 Return on Equity (%) 18.63 12.06 Key Performance Indicators

19. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Shareholding Pattern as on December ’2009

20. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. NPA Movement 9MFY109MFY09 Gross NPAs:Opening on 1 st April 2443 2470 Add:Additions 542 340 Less:Deductions 1.Write Off 3 1 2.Upgradation 133 203 3.Recoveries 245 208 Gross NPAs 2477 2288 Gross Credit 91074 81467 Gross NPA as % of GBC 2.72 2.81 Net Advances 89252 80120 Net NPA 661 945 Net NPA as % of Net Advances 0.74 1.18 Rs in crore

21. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. NPA Details Q3FY10Q3FY09FY09 Gross Advances 910748146786740 Standard 88596 79179 84423 Sub-Standard 688 466 590 Doubtful 1533 1648 1658 Loss 256 174 69 Provisions 1816 1343 1253 NPA Coverage % 73.3358.7054.32 Rs in crore

22. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Provisions Q3FY10Q3FY099MFY109MFY09 Taxation104 210 360 309 NPA (excluding adhoc provision for Standard Assets) 16 11 114 55 Standard Assets 0 5 0 4 Depreciation/Provision on Investments 144 (115) 58 57 Others (Frauds, Restructured Adv. etc.) 19 2 45 3 Total283 113 577 473 Rs in crore

23. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Restructured Assets 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 4 Oct-Dec 2009 100 28.720.76 Total 37865 4058.0163.12 NPA out of Restructured Accounts 8 6.3 Rs in crore

24. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Capital Adequacy (%) Period9MFY109MFY09FY 2008-09 Basel I CRAR 11.83 10.02 11.75 Tier I 6.71 5.35 6.24 Tier II 5.12 4.67 5.51 Basel II CRAR 12.58 10.43 13.12 Tier I 7.14 5.68 6.97 Tier II 5.44 4.95 6.15

25. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. TECHNOLOGY INITIATIVES Phase I of CBS completed with 1200 branches under CBS, which constitute 80% of the Bank’s business. Remaining Branches to come under CBS by end of fiscal year 2010-11 Implementation of IT based Financial Inclusion in four districts-the Biometric Smart Card SMS Alerts for all account holders Currently the Bank has 400 ATMs and is planning to add 1500 more by the end of 2010-11. Pre Activated Debit Card New Initiatives

26. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. TECHNOLOGY INITIATIVES 3D secure code for online credit transactions. Online trading Portal Internet Banking, Both for Retail as well as Corporate Clients Auto Debit Facility introduced for payment of bills. E-Tax has been introduced through e-banking New SWIFT Alliance Messenger has been implemented TREASURY AND INVESTMENT Operations in Currency Futures & Interest Rate Futures New Initiatives

27. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. HR INITIATIVES Recruiting young and dynamic professionals to bring the Average Age of the employees down Regular Training for Senior Management from reputed Industry Experts STRATEGIC INITIATIVES Organisational Restructuring: The bank has created a Large Corporate Vertical and is in process of forming Mid Corporate Vertical The move is aimed to speed up the Loan/Advances sanctioning process. Formed Asset Recovery Branches Centralised Credit Processing Centre for Retail Loans. New Initiatives

28. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Awards Received in 2009-10 Best Education Loan Provider Award (Outlook Money NDTV Profit Awards ) for second year in succession In recognition of Bank’s Technology adaption, Bank has been awarded with Best Customer Technology Award in the PSU Bank category by IBA-TFDI in January, 2010

29. POWER POINT TEMPLATE Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.