Central Bank of India — Q1FY27 earnings call summary

Filed 23 July 2026 · Official transcript

Guidance: deposit growth 11-12%, advances growth 14-16%, NIM above 3%, ROA above 1%
Recovery from technical written-off accounts expected ₹2,200-2,500 Cr in FY27
Cost-to-income ratio stable at 55.40%; credit cost improved to 0.40%
Total global business grew 18.29% to ₹833,320 Cr; deposits up 11.68% to ₹478,972 Cr
Gross advances rose 28.58% to ₹354,348 Cr; CD ratio improved to 74.10%
Gross NPA improved by 53 bps to 2.60%; net NPA at 0.49%, PCR ~95.86%
Net profit increased 13.26% to ₹1,324 Cr; NIM at 3.06%, ROA 1%, ROE 14.92%
RAM sector grew 21.38% with retail +23.92%, agriculture +21.14%, MSME +18.03%