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Earnings Call

Central Bank of India Earnings Call: Key Takeaways

Central Bank of India's FY26 presentation shows strong turnaround, exiting PCA framework with ₹4,369 Cr net profit and 17.91% CRAR. Strategy focuses on digital acceleration (Cent NEO) and RAM segment growth.

Why this was an Alfa AlertNot a filter event. Financial results align with recovery trends; no explicit management confirmation of a beat against prior high-end guidance provided.
Highlights
Revenue growthTotal Income grew 7.72% YoY to ₹42,342 Cr.
MarginsNIM moderated to 3.07%; ROA improved 3bps to 0.89%.
Order bookTotal Business crossed ₹8.12 Lakh Cr milestone.
Management confidenceHigh; cited sustained profitability for 20 consecutive quarters.

Growth

FY26 Net Profit rose 15.43% YoY to ₹4,369 Cr; Gross Advances grew 18.76% to ₹3.44 Lakh Cr.

Outlook

Focus on RAM (68.09% of book) and reaching 85%+ investment grade standard advances. Continued digital scaling via DLP.

Risks

NIM compression from 3.40% to 3.07% YoY; rising cost of deposits at 4.82%.

Source

Earnings Call filed with BSE, NSE: CENTRALBK. Summary written with AI assistance from the document.

Read the document ↗

Central Bank of India: key numbers

Share price
₹32.04
Market cap
₹29,001 Cr
Revenue (annual)
₹36,168 Cr
Net profit (annual)
₹4,524 Cr
P/E (TTM)
6.0×Sector 20.8×
Promoter holding
81.19%+0.00% QoQ
FII holding
1.29%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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