Central Bank of India Q2 FY27 results (Jul–Sep 2026) and concall

Financial Services · Concall AI · Call held 19 Oct 2026

Company page: Central Bank of India share price, financials & guidance record

Central Bank of India delivered a strong Q2 FY27 performance with significant growth across total business, deposits, and advances, exceeding most of its guidance. Asset quality improved with GNPA and NNPA well within targets, and ROA surpassed 1%. While CASA ratio and cost-to-income ratio missed their respective targets, the bank is strategically focusing on high-yield segments like Gold Loan and SHG, and investing in technology to enhance customer experience and operational efficiency amidst a challenging treasury environment.

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What they filed

Q2 FY27: revenue up 18.4%, net profit up 20.6% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27	Q2 FY27
Revenue	8,542	8,653	8,623	8,777	9,070 +6%	9,698 +12%	9,726 +13%	10,394 +18%
Expenses	3,373	3,968	3,381	3,291	3,853	3,573	3,129	3,833
Other income	1,232	1,723	1,857	1,470	1,927	1,161	988	1,380
Interest	4,984	5,238	5,222	5,476	5,552	5,677	5,794	6,227
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	1,418	1,171	1,878	1,479	1,592 +12%	1,609 +37%	1,791 −5%	1,715 +16%
Tax rate	32%	11%	33%	18%	21%	54%	26%	14%
Net profit	966	1,106	1,284	1,234	1,265 +31%	748 −32%	1,325 +3%	1,488 +21%
EPS	1.11	1.22	1.42	1.36	1.40	0.82	1.46	1.64

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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