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Central Bank of India reported a strong Q3 FY26 with net profit of ₹1,263 crore (up 31.7% YoY), driven by robust credit growth of 19.48% YoY and improved asset quality. Gross NPA improved by 116 bps to 2.70%, while net NPA stood at 0.45%. The bank achieved a CD ratio of 72% and maintained ROA above 1%. Management highlighted broad-based corporate loan growth, a strategic focus on RAM (retail, agriculture, MSME) segments, and a Kasa campaign targeting ₹20,000 crore. However, NIM at 2.96% missed the 3% guidance due to rate cuts, and cost-to-income at 57.84% exceeded the 56% target. Guidance for Q4 includes maintaining yield on advances at 8.15%, reducing cost of deposits to 4.5-4.55% by June 2026, and achieving a CD ratio of 73-74%. Risks include margin compression from repo rate transmission and elevated provisions for ECL transition (₹2,675 crore remaining).
Colored figures show movement against the previous available record.
Guidance to track
- Management expects total advances to reach ₹3.40 lakh crore by Q4 FY26, driven by strong sanctions and disbursements.
- The bank aims to improve its credit-deposit ratio to 73-74% by March 2026, up from 72% in Q3.
- With repricing of term deposits and Kasa campaign, cost of deposits is expected to fall to 4.5-4.55% by June 2026.
- Despite rate cuts, management expects to sustain NIM at 3% through Kasa growth and RAM focus.
Risks flagged
- 125 bps repo rate cut will pressure NIM as loan repricing is immediate while deposit repricing lags.
- Remaining ₹2,675 crore ECL provision required by April 2027 could impact profitability.
- Gross NPA in agriculture and MSME remains around 5%, with KCC and government schemes contributing to slippages.
- Cost-to-income at 57.84% missed the 56% target; management expects it to take 3 years to fall below 50%.
Key quotes
- Net profit all-time high 31.70% increase to 1,263 cr rupees.
- We have achieved the whatever market guidance we have given we have achieved only kasa nim and cost to income these two part we actually we could not achieve.
- We expect that by June 2026 the transmission should happen... our cost of deposit should further come down to around 4.65-4.70 kind of a range.
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