| Revenue growth | Net Interest Income grew 26.28% YoY to ₹4,146 Cr. |
|---|---|
| Margins | NIM stable at 3.01%; expected to improve in rising rate scenario. |
| Order book | Corporate loan pipeline: ₹7,000 Cr undisbursed, ₹11,000 Cr under consideration. |
| Demand visibility | Strong credit demand in RAM and corporate pipelines totaling ₹24,000 Cr. |
| Management confidence | Highly confident, emphasizing structural improvements in credit underwriting and monitoring. |
Growth
Global advances grew 29.83% YoY; RAM sector grew 21.11%, now 68% of total book.
Outlook
Management targets maintaining ROA above 1% and credit cost below 0.75% for FY27.
Risks
High cost-to-income ratio at 58.95% and potential agriculture stress from El Niño/monsoon variability.
Last quarter's promises, checked
Delivered
- Guided 14-16% advance growth → delivered 29.83% (= BEAT)
- Guided NIM 3%+ → delivered 3.01% (= BEAT)
- Guided ROA 1%+ → delivered 1% (= BEAT)
Partly delivered
- Guided 11-12% deposit growth → delivered 11.68% (= PARTIAL)
Missed
- Target Cost-to-Income <56% → delivered 58.95% (= MISS)
Earnings Call Transcript filed with BSE, NSE: CENTRALBK. Summary written with AI assistance from the document.
Central Bank of India: key numbers
- Share price
- ₹28.95
- Market cap
- ₹26,204 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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