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Revenue
₹10,811 Cr
verified against source
Revenue YoY
4.63%
reported change
EBITDA
Pending
latest reported figure
Source
screener in partial
record provenance
Actual signal trajectory
Where this quarter sits.
Quarter read
What the record says.
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.
Colored figures show movement against the previous available record.
Guidance to track
- Management expects advances to grow 14-16% in FY27, supported by strong capital adequacy (CRAR 17.91%) and outreach programs.
- Deposits are guided to grow 10-12% in FY27, with continued focus on CASA mobilization.
- Net interest margin is expected to stay above 3% in FY27, supported by strong CASA base and RAM focus.
- Management targets slippage ratio below 1% in FY27, down from 1.16% in FY26.
Risks flagged
- Q4 slippages rose to ₹1,310 crore vs ~₹800 crore average, attributed to technical downgrades in MSME and agriculture during audits.
- Transition to ECL norms from April 2027 may require additional provisions of ₹600-650 crore annually, though management expects to offset via tax savings.
- 61% of advances are linked to external benchmarks, causing yield compression; deposit repricing lag may pressure margins.
- Recovery from a large airline NPA is ongoing; only ₹515 crore guarantee received so far, with auction process underway.
Key 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.
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