Central Bank of Q4 FY26 Risks

Revenue ₹10,811 Cr +4.63%

EBITDA —

PAT ₹748 Cr -46%

EBITDA Margin —

Duration 50 min

Read Time 1 min read

✓ Verified against BSE filing

Risk Intelligence

Material risks this quarter

Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.

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_commentary

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.

medium · analyst_question

NIM 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_observation

Lumpy 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_question

Central Bank of India — Q4 FY26