| Revenue growth | Total income for Q4 FY26 grew 4.63% YoY. |
|---|---|
| Margins | NIM at 3.07% FY26; guidance to remain above 3%. |
| Order book | Corporate book at ₹1,09,945cr; RAM book 68%. |
| Demand visibility | Strong traction in RAM sectors; 25%+ growth in retail. |
| Management confidence | High; confident in meeting 14-16% credit growth targets. |
Growth
PAT up 15.43% FY26; Advances grew 18.76% to ₹3.44 lakh crore; Deposits up 13.38% to ₹4.67 lakh crore.
Outlook
Credit growth guidance 14-16%; deposit growth 10-12%; RAM/Corporate mix target 65:35; NIM target above 3%.
Risks
One-time DTA impact of ₹632cr; yield on advances dipped to 7.78% in Q4; potential ECL transition impacts.
Earnings Call filed with BSE, NSE: CENTRALBK. Summary written with AI assistance from the document.
Central Bank of India: key numbers
- Share price
- ₹30.40
- Market cap
- ₹27,516 Cr
- Revenue (annual)
- ₹36,168 Cr
- Net profit (annual)
- ₹4,524 Cr
- P/E (TTM)
- 6.0×Sector 21.9×
- Promoter holding
- 81.19%-8.08% QoQ
- FII holding
- 0.93%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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