Central Bank of India submitted its financial results for the quarter ended 30th June 2026 through a regulatory filing to NSE and BSE. The disclosure includes performance metrics compared to the same quarter last year (Q1 FY26).

Financial Performance Highlights

  • Net Profit: Increased by 13.26% to ₹1324 crore in Q1 FY27 from ₹1169 crore in Q1 FY26
  • Operating Profit: Stood at ₹2186 crore in Q1 FY27 compared to ₹2304 crore in Q1 FY26, showing a slight dip
  • Net Interest Income (NII): Grew by 15.70% YoY to ₹3914 crore in Q1 FY27 from ₹3383 crore in Q1 FY26
  • Total Income: Improved by 3.08% to ₹10678 crore in Q1 FY27 from ₹10359 crore in Q1 FY26
  • Cost to Income Ratio: Slightly reduced to 55.40% for Q1 FY27 from 55.30% in Q1 FY26 (10 bps improvement)
  • Cost of Deposit: Improved to 4.60% from 4.93% (annualized)
  • Net Interest Margin (NIM): Stood at 3.06% with marginal decline post absorption of regulatory rate cuts
  • Return on Assets (ROA): 1.00%
  • Return on Equity (ROE): Improved to 14.92% from 14.17%

Business Growth Metrics

  • Total Global Business: Grew by 18.29% to ₹833,320 crore (Q1 FY26: ₹704,485 crore)
  • Total Deposits: Increased by 11.68% to ₹478,972 crore (Q1 FY26: ₹428,890 crore)
  • CASA Deposits: Stand at 46.61% of total deposits
  • Gross Global Advances: Increased by 28.58% to ₹354,348 crore (Q1 FY26: ₹275,595 crore)
  • Credit Deposit Ratio: Stood at 74.10
  • Business per Employee: Improved to ₹24.40 crore from ₹21.07 crore YoY

RAM Segment Performance

Retail, Agriculture & MSME Business grew by 21.38% with individual sector growth:

  • Retail: 23.92% (₹105,523 crore)
  • Agriculture: 21.14% (₹64,274 crore)
  • MSME: 18.03% (₹71,308 crore)

Asset Quality Indicators

  • Gross NPA: Improved to 2.60% as on 30.06.2026 from 3.13% as on 30.06.2025 (53 bps improvement)
  • Net NPA: Stable at 0.49% as on 30.06.2026
  • Provision Coverage Ratio: Stood at 95.86%
  • Slippage Ratio: 0.29% for the quarter, registering improvement of 6 bps
  • Credit Cost: 0.40% for Q1 FY27 compared to 0.68% for Q1 FY26

Capital Adequacy

  • Total CRAR (BASEL III): Improved to 18.28% for Q1 FY27 from 17.66% for Q1 FY26 (92 bps increase)
  • Tier I Capital: 16.54%

Operational Expansion

  • IFSC Banking Unit: Bank opened an IFSC Banking Unit at Gift City, Gandhinagar, Gujarat with business of ₹472.67 crore as of reporting date
  • Branch Network: Total 22,346 touch points including 4,605 branches (66.31% in rural & semi-urban areas), 1 IFSC Banking Unit, 3,820 ATMs, 13,890 BC outlets, and 30 BC Maxx Centres as on 30/06/2026

The press release was submitted under regulatory compliance requirements and will be available on the bank's website at https://www.centralbank.bank.in/en/investor-relations.