Central Bank of India

- There is no explicit mention of any planned new fundraising through debt or equity in the transcript. - The bank recently completed a successful QIP (Qualified Institutional Placement) as per a congratulatory comment, indicating recent equity capital raising. - The management emphasized maintaining healthy capital adequacy (CRAR at 17.02%), suggesting no immediate need for fresh capital raising. - The bank plans to continue organic growth through strong credit and deposit growth without highlighting any new plans for debt or equity issuance. - Technology investments are planned with a budget of INR 300-500 crores, funded internally without mention of external fundraising. - Overall, the focus is on operational growth and improving financial metrics without stating any future fund-raising activities.

- The bank is open to funding capital expenditure (capex) where required, especially if there is business potential (Page 9). - Focus is on expanding via BC MAXX centers, a low-cost digital hybrid model combining physical branches and business correspondents (Pages 7-9). - Identified about 500 pin code centers for new BC MAXX centers rollout; pilot in 25 centers is successful, with plans to expand to 250 centers within the first half of the year (Page 7). - The bank is investing aggressively in technology and digital infrastructure, budgeting INR 300 to 500 crores for digital initiatives for the current year, including rollout of consumer and corporate banking apps (Page 7). - Physical branch expansion is selective; evaluation is ongoing for new branch openings only where required (Page 9).

- Central Bank of India targets a total business growth of around 14% for FY26. - Advances (loans) are expected to grow by 15% to 16%. - Deposit growth is targeted at 12% to 13%, with CASA maintained around 48% (±1%). - Retail loans including housing, vehicle, agriculture, and MSME segments anticipate sustained 18% to 20% growth. - Credit growth outlook remains robust with expectations of 14% to 16% growth in advances. - The bank plans to expand its footprint through low-cost BC MAXX centers in 500 pin code areas lacking physical branches, targeting a 3-month breakeven. - Technological investments of INR300-500 crores are planned to support digital transformation and wealth management services. - Treasury gains of INR600-800 crores from sale of investments are anticipated due to favorable interest rate trends. - Return on Assets (ROA) is expected to reach 1% in FY26 based on consistent performance.

- The bank targets a 14% top-line growth and 15%-16% advances growth for FY '26, with deposit growth projected at 12%-13%. (Page 6-7) - NIM guidance is maintained above 3%, supported by a CASA ratio around 48%-50%. (Page 7, 10) - Return on Assets (ROA) is expected to reach 1% during FY '26, building on past performance. (Page 9) - Treasury gains are anticipated between INR 600-800 crores from sale of investments due to expected rate cuts, positively impacting profitability. (Page 9) - Increased digital initiatives like the super app and wealth management tools will drive business growth and operational agility. (Page 11) - Operating expenses, including staff cost and opex, are expected to rise moderately (12%-14%) due to wage revisions and branch network expansion but are under control. (Page 10) - Fee-based income and non-interest income have shown strong growth, supporting diversified revenue streams. (Page 3)

The transcript and document provided do not mention any details about the current or expected order book or pending orders for Central Bank of India. The discussion primarily focuses on: - Financial performance highlights of Q4 FY'25 and FY'25. - Growth in advances, deposits, CASA ratio, credit risk, and treasury operations. - Recovery from NPAs, provisioning, and NIM outlook. - Expansion plans including BC MAXX centers and digital initiatives. - Outlook on credit growth, treasury income, and ROA targets. No specific information is available regarding order books or pending orders as the bank operates in the financial services sector without a typical order book concept like manufacturing or construction companies.