| Revenue growth | Total Income grew 3.08% YoY to ₹10,678 Cr. |
|---|---|
| Margins | NIM at 3.06%; Yield on Advances dropped 69 bps YoY. |
| Order book | Global Advances reached ₹3,54,348 Cr. |
| Demand visibility | Strong credit growth in services and industry sectors. |
| Management confidence | High; branding 'Year of Business Excellence' for 2026-27. |
Growth
Global Business grew 18.29% YoY to ₹8.33L Cr; Global Advances surged 28.58% YoY while Interest Income rose 12.84%.
Outlook
Focus on 'Business Excellence' for FY27; bank targeting RAM and Corporate segment growth with 34,125 staff strength.
Risks
Net Interest Margin (NIM) compressed by 10 bps YoY to 3.06%; rising input-cost pressures flagged in macro indicators.
Last quarter's promises, checked
Delivered
- Guided 14%-16% credit growth → delivered 28.58% (= BEAT)
- Guided NIM above 3% → delivered 3.06% (= BEAT)
- Guided Net NPA below 1% → delivered 0.49% (= BEAT)
Partly delivered
- Guided 10%-12% deposit growth → delivered 13.38% (FY26) to 18.29% (Q1FY27) (= BEAT)
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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