| Revenue growth | Interest Income grew 12.84% Y-o-Y. |
|---|---|
| Margins | NIM at 3.06%; Yield on Advances at 7.89%. |
| Demand visibility | Strong growth in RAM (Retail, Agri, MSME) segments. |
| Management confidence | High; bank exited PCA framework with sustained performance improvement. |
Growth
Global Business grew 18.29% to ₹8,33,320 Cr; Net Profit rose 13.26% to ₹1,324 Cr; Global Advances increased 28.58% Y-o-Y.
Outlook
Focus on building granular CASA, increasing fee income, and digital adoption; Credit Card division launch anticipated in FY 2027-28.
Risks
NIM compressed by 10 bps Y-o-Y to 3.06%; Cost to Income ratio remains high at 55.40%.
Last quarter's promises, checked
Delivered
- Guided 3% NIM → delivered 3.06% (= BEAT)
- Guided 1% ROA → delivered 1% (= BEAT)
- Guided 65:35 RAM:Corporate ratio → delivered 68:32 (= BEAT)
Partly delivered
- Guided 11-12% Deposit growth → delivered 11.68% (= PARTIAL)
Missed
- Guided <56% Cost-to-income → delivered 55.40% (= BEAT)
- Guided 14-16% Advance growth → delivered 28.58% (= BEAT)
Investor Presentation filed with BSE, NSE: CENTRALBK. Summary written with AI assistance from the document.
Central Bank of India: key numbers
- Share price
- ₹28.93
- Market cap
- ₹26,186 Cr
- Revenue (annual)
- ₹36,168 Cr
- Net profit (annual)
- ₹4,524 Cr
- P/E (TTM)
- 5.4×Sector 19.7×
- 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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Central Bank of India delivered strong growth across RAM segments, significantly exceeding its own annual business and advances guidance.
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- Key figure
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