Central Bank of India (CENTRALBK) investor relations material

Executive summary

• Q2 FY27 net profit was ₹1,46,886 lakh, up 21.10% YoY; global business grew 20.54% to ₹8,89,541 crore, with advances up 29.83% and deposits up 14.41%.

• Gross NPA declined to 2.39% from 3.01% YoY and net NPA to 0.31% from 0.48%.

• Auditors issued unmodified limited-review conclusions on standalone and consolidated results; Basel III Pillar 3 disclosures were excluded.

Financial highlights

• Q2 total income was ₹11,737 crore (+14.92% YoY); interest income was ₹10,357 crore (+18.45%) and interest expense ₹6,211 crore (+13.73%).

• NII rose 26.29% YoY to ₹4,146 crore; excluding one-off items, NII was ₹4,105 crore (+26.11%).

• Operating profit increased 26.99% to ₹2,268 crore; excluding one-off items, it was ₹2,227 crore (+26.68%).

• H1 FY27 net profit increased 17.25% to ₹2,793 crore; operating profit rose 8.90% to ₹4,454 crore.

• H1 non-interest income declined 26.94% to ₹2,367 crore, including treasury income down 52.47% to ₹404 crore.

Outlook and guidance

• FY27 guidance: business growth 14–15%, deposits 10–12%, advances 14–16%, CASA 48% ±1%, and RAM:corporate credit mix 65:35 ±5%.

• Targets include NIM above 3%, gross NPA below 2.50%, net NPA below 0.50%, PCR 96–98%, slippage below 0.25%, annualized credit cost up to 0.75%, and ROA at least 1%.

• Sep 2026 global business, deposit and advances growth exceeded guidance; CASA was 44.65% versus target of 48% ±1%, and cost-to-income was 58.95% versus guidance below 56%.

• Growth priorities include gold loans, SHG lending, housing, auto loans and MSME; 116 customized gold-loan branches are planned, with a 30-minute turnaround target.

• Management expects ROA above 1%, continued recovery improvement and margin support from higher repo rates; 61% of advances are externally benchmarked.