Gross NPA
2.67%
-51bps YoY
Improved asset quality; absolute GNPA stood at ₹9,185 crore.
CENTRALBANKOFINDIA
Financial Services
2026-04-??
Central Bank of India — Q4 FY26
Central Bank of India reported a mixed Q4 FY26.
✓ Verified against BSE filing
2-Min Summary
✦ AI-Generated from Full Transcript
Central Bank of India reported a mixed Q4 FY26. Total business grew 15.6% to ₹8.12 lakh crore, with advances up 18.76% and CASA at 47.3%. Net profit fell to ₹724 crore (down 46% YoY) due to a one-time DTA impact of ₹632 crore from tax regime transition. Excluding this, adjusted PAT was ~₹925 crore. NIM improved 30bps QoQ to 3.07%, aided by an income tax refund. Asset quality improved: GNPA down 51bps YoY to 2.67%, slippage ratio improved to 1.16%. Management guided for 14-16% credit growth and NIM above 3% in FY27. Key risk: elevated slippages in Q4 due to audit-driven technical downgrades in MSME/agriculture.
Key Numbers
Slippage Ratio
1.16%
-29bps YoY
Full-year slippage ratio improved from 1.45% in FY25.
CASA Ratio
47.30%
+0.3pp YoY
CASA deposits grew 9.75% YoY; savings deposits crossed ₹2 lakh crore.
RAM Share
68%
+3pp YoY
Retail, agriculture & MSME grew 21% YoY; retail alone grew 25.67%.
Management Guidance
Credit growth of 14-16% in FY27
Management expects advances to grow 14-16% in FY27, supported by strong capital adequacy (CRAR 17.91%) and outreach programs.
Management guidance growthDeposit growth of 10-12% in FY27
Deposits are guided to grow 10-12% in FY27, with continued focus on CASA mobilization.
Management guidance growthNIM to remain above 3% in FY27
Net interest margin is expected to stay above 3% in FY27, supported by strong CASA base and RAM focus.
Management guidance marginsSlippage ratio to be less than 1% in FY27
Management targets slippage ratio below 1% in FY27, down from 1.16% in FY26.
Management guidance otherKey Risks
Elevated Q4 slippages due to audit-driven downgrades
Q4 slippages rose to ₹1,310 crore vs ~₹800 crore average, attributed to technical downgrades in MSME and agriculture during audits.
medium · management_commentaryECL implementation impact on profitability
Transition to ECL norms from April 2027 may require additional provisions of ₹600-650 crore annually, though management expects to offset via tax savings.
medium · analyst_questionNIM pressure from external benchmark-linked advances
61% of advances are linked to external benchmarks, causing yield compression; deposit repricing lag may pressure margins.
medium · data_observationLumpy airline account recovery uncertainty
Recovery from a large airline NPA is ongoing; only ₹515 crore guarantee received so far, with auction process underway.
low · analyst_questionNotable Quotes
Our capital is not a constraint for meeting our growth aspiration in credit side. We have given guidance of 14 to 16% in credit side growth.
The estimate which you are trying to plan because these things we have not simulated till now that how... but our strategy see unsecured loan we are very cautious.
We are going to start wealth management division... and customer relationship concept and also credit card part and also sales and marketing team.
Frequently Asked Questions
What was Central Bank of's revenue in Q4 FY26?
Central Bank of reported revenue of ₹10,811 Cr in Q4 FY26, representing a +4.63% change compared to the same quarter last year.
What guidance did Central Bank of management give for FY27?
Credit growth of 14-16% in FY27: Management expects advances to grow 14-16% in FY27, supported by strong capital adequacy (CRAR 17.91%) and outreach programs. Deposit growth of 10-12% in FY27: Deposits are guided to grow 10-12% in FY27, with continued focus on CASA mobilization. NIM to remain above 3% in FY27: Net interest margin is expected to stay above 3% in FY27, supported by strong CASA base and RAM focus. Slippage ratio to be less than 1% in FY27: Management targets slippage ratio below 1% in FY27, down from 1.16% in FY26.
What are the key risks for Central Bank of in FY27?
Key risks include Elevated Q4 slippages due to audit-driven downgrades — Q4 slippages rose to ₹1,310 crore vs ~₹800 crore average, attributed to technical downgrades in MSME and agriculture during audits.; ECL implementation impact on profitability — Transition to ECL norms from April 2027 may require additional provisions of ₹600-650 crore annually, though management expects to offset via tax savings.; NIM pressure from external benchmark-linked advances — 61% of advances are linked to external benchmarks, causing yield compression; deposit repricing lag may pressure margins.; Lumpy airline account recovery uncertainty — Recovery from a large airline NPA is ongoing; only ₹515 crore guarantee received so far, with auction process underway..
Did Central Bank of meet its previous quarter's guidance?
Scorecard data is being built as historical quarters are processed.
Where can I read the full Central Bank of Q4 FY26 concall transcript?
The full earnings conference call transcript or source release is available on the linked source material. This page provides an AI-generated summary verified against official BSE/NSE filings.