| Revenue growth | Total income grew 3.08% YoY to ₹10,678 crores. |
|---|---|
| Margins | NIM at 3.06%; yield on advances improved to 7.89%. |
| Order book | Corporate credit grew 46.52% YoY to ₹1,12,770 crores. |
| Demand visibility | Strong traction in RAM and renewable energy corporate projects. |
| Management confidence | High; citing resilient capital (18.28% CRAR) and robust credit underwriting. |
Growth
Global advances grew 28.58% YoY to ₹3,54,348 crores; NII increased 15.70% YoY to ₹3,914 crores.
Outlook
Management guides for 11-12% deposit growth and 14-16% advances growth for FY27; NIM target maintained at 3%+.
Risks
Moderation in liquidity coverage ratio (LCR) from 235% to 156% and transition to ECL provisioning by April 2027.
Last quarter's promises, checked
Delivered
- Guided 14-16% credit growth → delivered 28.58% (= BEAT)
- Guided 10-12% deposit growth → delivered 13.38% (= BEAT)
- Targeted NIM above 3% → delivered 3.06% (= BEAT)
Partly delivered
- Targeted slippage ratio < 1% → delivered 1.16% (= PARTIAL)
Earnings Call Transcript filed with BSE, NSE: CENTRALBK. Summary written with AI assistance from the document.
Central Bank of India: key numbers
- Share price
- ₹30.24
- Market cap
- ₹27,371 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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