Central Bank of India — Q1 FY27 earnings call
Summary generated by AI from the official transcript Central Bank of India filed with BSE on 23 Jul 2026. Every statement cites a verbatim quote from that document — open any citation to read it. This is a record of what management said, not a recommendation. How we check these summaries
The short read
Central Bank of India reported Q1 FY27 net profit growth of 13.26% to ₹1,324 crores, with net interest income up 15.70% to ₹3,914 crores and net interest margin at 3.06%. Gross global advances grew 28.58% to ₹3,54,348 crores while deposits rose 11.68% to ₹478,972 crores, with CASA at 46.61% of deposits. Asset quality improved with gross NPA at 2.60% and net NPA at 0.49%, and management discussed capital adequacy, recovery targets, and plans for new business verticals including credit cards and wealth management.
Numbers mentioned
Total global business: ₹833,320 crores (Q1 FY27)
p. 3
“Our total global business has grown up by 18.29%, which is ₹833,320 crores”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Deposits: ₹478,972 crores (Q1 FY27)
p. 3
“deposit increased by 11.68% to ₹478,972 crores”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Gross global advances: ₹3,54,348 crores (Q1 FY27)
p. 3
“gross global advance increased by 28.58% to ₹3,54,348 crores”
Kalyan Kumar, page 3 of the filed PDF · View the filing
CD ratio: 74.10% (Q1 FY27)
p. 3
“CD ratio improved to 74.10%”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Gross NPA: 2.60% (Q1 FY27)
p. 3
“gross NPA stood at 2.60%, there is an improvement of 53 basis points year on year basis”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Net NPA: 0.49% (Q1 FY27)
p. 3
“We have maintained net NPA at 0.49%, PCR approximately 95.86%”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Operating profit: ₹2,186 crores (Q1 FY27)
p. 3
“Operating profit for the financial year, is at ₹2,186 crores”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Net profit: ₹1,324 crores (Q1 FY27)
p. 3
“Net profit for the quarter increased by 13.26% to ₹1,324 crores”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Net interest margin: 3.06% (Q1 FY27)
p. 3
“Net interest margin is above 3%, aligning with our guidance to the market. It is 3.06%.”
Kalyan Kumar, page 3 of the filed PDF · View the filing
ROA: 1% (Q1 FY27)
p. 3
“ROA is 1%, ROE improved to 14.92% from 14.17%”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Cost-to-income ratio: 55.40% (Q1 FY27)
p. 3
“Cost-to-income ratio is at 55.40% it was 55.30% for June '25 quarter”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Slippage ratio: 0.29% (Q1 FY27)
p. 3
“Slippage ratio stood at 0.29% for this quarter and where we can mark an improvement of 6 basis points”
Kalyan Kumar, page 3 of the filed PDF · View the filing
CRAR: 18.28% (Q1 FY27)
p. 3
“CRAR improved to 18.28%, of which Tier 1 capital is 16.54%”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Net interest income: ₹3,914 crores (Q1 FY27)
p. 3
“net interest income grew by 15.70% on year-on-year basis, that is to ₹3,914 crores”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Total income: ₹10,678 crores (Q1 FY27)
p. 3
“Total income for Q1 financial year '27 improved by 3.08% and stood at ₹10,678 crores”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Cost of deposit: 4.60% (Q1 FY27)
p. 3
“Cost of deposit improved to 4.60% that is 33 basis point improvement registered”
Kalyan Kumar, page 3 of the filed PDF · View the filing
RAM sector growth: 21.38% (Q1 FY27)
p. 3
“RAM sector grew by 21.38%, in which retail grown by 23.92%”
Kalyan Kumar, page 3 of the filed PDF · View the filing
Credit cost: 0.40% (Q1 FY27)
p. 4
“We have maintained credit cost at 0.40%, there is an improvement from 0.68% of previous quarter '25”
Kalyan Kumar, page 4 of the filed PDF · View the filing
Treasury income: ₹276 crores (Q1 FY27)
p. 6
“This time treasury income is ₹276 crores”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Yield on advances: 7.89% (Q1 FY27)
p. 9
“Yield on advances is 7.89%, it has improved from 7.78%”
Kalyan Kumar, page 9 of the filed PDF · View the filing
Undisbursed advances: ₹5,000 crores (Q1 FY27)
p. 6
“Undisbursed advances is approximately ₹5,000 crores”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Corporate credit: ₹1,12,770 crores (Q1 FY27)
p. 5
“Corporate Credit as of June '25 was ₹76,966 crores and it has grown to ₹1,12,770 crores registering growth of 46.52%”
Kalyan Kumar, page 5 of the filed PDF · View the filing
Gold loan book: ₹36,000 crores (Q1 FY27)
p. 5
“In Gold Loan segment, total book is ₹36,000 crores”
Kalyan Kumar, page 5 of the filed PDF · View the filing
What management said it would do
A record of statements made on the call, in the words management used. Parakho does not forecast, endorse or assess them, and their presence here is not a view on whether they will happen.
Deposit growth — 11% to 12% · FY27
stated firmly by Kalyan Kumar
p. 5
“Bank had released guidance about composition of our advances, RAM and corporate, and our guidance to market towards the resources side, 11% to 12% in deposit growth and 14% to 16% in advances growth.”
Kalyan Kumar, page 5 of the filed PDF · View the filing
Advances growth — 14% to 16% · FY27
stated firmly by Kalyan Kumar
p. 5
“During current quarter also, we are going to align with this guidance, which we have given to the market.”
Kalyan Kumar, page 5 of the filed PDF · View the filing
Net interest margin — 3% and above
stated firmly by Kalyan Kumar
p. 6
“I have given guidance, NIM will be 3% and above and still we are maintaining.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
ROA — 1% and above
stated firmly by Kalyan Kumar
p. 6
“ROA 1% and above, that also we have maintained and remain 1% and above.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Yield on advances — 8% · March 2027
stated as an aspiration by Kalyan Kumar
p. 9
“we expect that our yield will improve from 7.89% to anywhere between 8%, we are thinking that as of March '27, we will reach up to 8%.”
Kalyan Kumar, page 9 of the filed PDF · View the filing
Cost-to-income ratio — 1.5% to 1.6% reduction · coming year
stated firmly by Kalyan Kumar
p. 10
“We are sure that in coming year, Bank will reduce cost-to-income ratio by 1.5% to 1.6%.”
Kalyan Kumar, page 10 of the filed PDF · View the filing
FCNR(B) deposit mobilization — USD400 million · by September 2026
stated as an aspiration by Kalyan Kumar
p. 9
“FCNR (B) till now, we have mobilized USD8.4 million and we are expecting to mobilize USD400 million by September’2026.”
Kalyan Kumar, page 9 of the filed PDF · View the filing
Technical write-off recovery — ₹2,200 crores to ₹2,500 crores · this year
stated as an aspiration by Kalyan Kumar
p. 6
“This year also, I'm expecting recovery of ₹2,200 crores to ₹2,500 crores out of technically written-off account.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Property sales under SARFAESI — 600 to 700 properties · current financial year
stated as an aspiration by Kalyan Kumar
p. 7
“In the current financial year, we are targeting to sell 600 to 700 properties against 460 properties in the last financial year.”
Kalyan Kumar, page 7 of the filed PDF · View the filing
GIFT City deposits and trade book — Deposit of USD200 million and trade book of USD500 million · over the next few years
stated as an aspiration by Kalyan Kumar
p. 10
“Deposit of USD200 million and trade book of USD500 million over the next few years, we are planning.”
Kalyan Kumar, page 10 of the filed PDF · View the filing
ECL transition — shift to ECL · 1st April 2027
stated conditionally by Kalyan Kumar
p. 6
“I am sure that the PD calculation for these numbers will be under control, and we'll be easily able to shift to ECL from 1st April '27.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Q&A highlights
Management's answers to analyst questions, in Parakho's words rather than a transcript. Each row names who answered and carries the verbatim quote it was drawn from.
Management reiterated deposit and advance growth guidance and confirmed NIM and ROA targets are being maintained.
Answered by Kalyan Kumar
Asked by Sushil Choksey: What is the guidance on growth, ROA, ROE, NIM and the corporate/RAM book pipeline?
p. 5
“Bank had released guidance about composition of our advances, RAM and corporate, and our guidance to market towards the resources side, 11% to 12% in deposit growth and 14% to 16% in advances growth.”
Kalyan Kumar, page 5 of the filed PDF · View the filing
Management gave the undisbursed figure and treasury income for the quarter, noting some moderation versus prior year.
Answered by Kalyan Kumar
Asked by Sushil Choksey: What is the undisbursed advance number and outlook on treasury income?
p. 6
“Undisbursed advances is approximately ₹5,000 crores.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Management detailed provisions made so far against total requirement and expected impact on capital.
Answered by Kalyan Kumar
Asked by Sushil Choksey: What is the status of ECL provisioning?
p. 6
“Under ECL, we have already made provisions of Stage 1 and Stage 2 for ₹1,525 crores out of approximately total requirement of ₹4,500 crores to ₹5,000 crores.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Management gave historical recovery figures and this year's target along with specific account-level recovery expectations.
Answered by Kalyan Kumar
Asked by Sushil Choksey: What is the recovery expectation from technical write-off accounts?
p. 6
“In major accounts, we are expecting ₹235 crores through OTS or liquidation or sale of property, another ₹200 crores we are expecting from NCLT, moreover ₹500 crores we are expecting from written-off account in this quarter.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Management said the bank has sufficient capital and currently has no plan to raise capital.
Answered by Kalyan Kumar
Asked by Tanya Kothari: What is the timeline for the Board-approved ₹7,000 crore capital raise?
p. 7
“We already have CRAR of 18.28% and CET1 of 16.24% In that way, we are having enough capital, and we don't need capital to support our growth guidance”
Kalyan Kumar, page 7 of the filed PDF · View the filing
Management explained the decline reflects optimal deployment of high-quality liquid assets to support credit growth rather than a liquidity concern.
Answered by Kalyan Kumar
Asked by Tanya Kothari: Why did LCR and NSFR decline sharply, from 235% to 156% and 147% to 128%?
p. 6
“Though the comfort Central Bank of India is having, our CD ratio has increased from 64% as of June '25 to 74% as of June '26, so we are utilizing all these resources available with us.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Management said term deposits are almost fully repriced with cost of deposit at 4.60%.
Answered by Kalyan Kumar
Asked by Ashlesh Sonje: Is there further repricing benefit left on term deposits?
p. 8
“Term deposit almost is repriced now and 4.60% is the cost of deposit.”
Kalyan Kumar, page 8 of the filed PDF · View the filing
Management gave the sanctioned, guaranteed and disbursed figures under the scheme.
Answered by Kalyan Kumar
Asked by Ashlesh Sonje: How much has been sanctioned and disbursed under ECLGS?
p. 9
“Total ECLGS 5.0 applications sanctioned is 34,824 of ₹4,646 crores and guarantee issued in 30,561 accounts of ₹4,353 crores out of which disbursement happened in 27,567 accounts of ₹3,693 crores.”
Kalyan Kumar, page 9 of the filed PDF · View the filing
Management outlined income-side initiatives like forex and BG cells, insurance business, and cost curtailment measures.
Answered by Kalyan Kumar
Asked by Amit Mishra: What additional steps are being taken to bring cost-to-income below 56%?
p. 10
“We are sure that in coming year, Bank will reduce cost-to-income ratio by 1.5% to 1.6%.”
Kalyan Kumar, page 10 of the filed PDF · View the filing
Management confirmed board approval for new verticals including credit cards, wealth management and NRI/marketing verticals.
Answered by Kalyan Kumar
Asked by Amit Mishra: Are there plans to launch credit cards or other value-added services?
p. 10
“So therefore, we have got approval from Board for establishment of wealth management vertical, credit card vertical, NRI and marketing vertical.”
Kalyan Kumar, page 10 of the filed PDF · View the filing
Management expressed confidence in maintaining approximately 3% quarter-on-quarter growth supported by capital, resources and pipeline.
Answered by Kalyan Kumar
Asked by Ashok Ajmera: Given quarterly credit growth of only 2.85%, how will the bank sustain full-year advance growth guidance?
p. 11
“Bank be able to maintain this growth rate, quarter-on-quarter growth will be approximately 3%.”
Kalyan Kumar, page 11 of the filed PDF · View the filing
Management said the bank received a CGTMSE guarantee payout and is proceeding with a fresh auction of a land parcel.
Answered by Kalyan Kumar
Asked by Ashok Ajmera: What is the status of recovery from the old aviation account?
p. 12
“Bank received ₹515 crores as CGTMSE guarantee. And there is a parcel of land, we are putting it on auction.”
Kalyan Kumar, page 12 of the filed PDF · View the filing
Management said the businesses have moved past the establishment stage and disclosed total capital invested.
Answered by Kalyan Kumar
Asked by Ashok Ajmera: What is the progress on the Generali insurance joint ventures and capital invested?
p. 12
“Bank has invested ₹627 crores capital in both the companies.”
Kalyan Kumar, page 12 of the filed PDF · View the filing
Risks flagged
Treasury income declined year-on-year due to market conditions
p. 6
“As compared to previous year, it is less, you understand due to market conditions and all it got impacted.”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Agriculture KCC slippages linked to expected debt waiver scheme
p. 8
“If we can reduce the agriculture KCC numbers, which got slipped i.e. ₹200 crores out of total ₹986 crores and ₹989 crore in previous year, June '25.”
Kalyan Kumar, page 8 of the filed PDF · View the filing
ECL provisioning could impact capital by up to 80 basis points
p. 6
“Even though there are provisions, we can stagger it to 5 years or we can account it at once also, then only 80 basis points only impact we are expecting”
Kalyan Kumar, page 6 of the filed PDF · View the filing
Generated by claude-sonnet-5. Source: the transcript as filed with BSE. We link to the exchange's copy; we do not host transcripts. Parakho is a data and screening tool, not an investment adviser — nothing here is a recommendation to buy, sell or hold.