Summary of Key Information:

Reporting Period (Quarter/Year): Q2 and Half Year Ended September 30, 2026

Nature of Filing / Announcement: Outcome of Board Meeting - Financial Results

Audit Opinion:

Unmodified opinion for quarter ended September 30, 2026

Key Financial Highlights [₹ in lakh]:

Standalone Results:

Quarter Ended September 30, 2026:

  • Revenue from Operations: ₹10,35,687 (YoY: +18.5% from ₹8,74,311)
  • Total Income: ₹11,73,721 (YoY: +15.0% from ₹10,21,231)
  • Net Profit: ₹1,46,886 (YoY: +21.1% from ₹1,21,288)
  • EPS: ₹1.62 (YoY: ₹1.34)

Half Year Ended September 30, 2026:

  • Revenue from Operations: ₹20,04,777 (YoY: +15.7% from ₹17,33,165)
  • Total Income: ₹22,41,520 (YoY: +9.0% from ₹20,57,183)
  • Net Profit: ₹2,79,256 (YoY: +17.3% from ₹2,38,157)
  • EPS: ₹3.09 (YoY: ₹2.63)

Key Metrics:

  • Capital Adequacy Ratio (Basel III): 17.68% (15.97% CET 1)
  • Return on Assets (Annualized): 1.03%
  • Networth: ₹37,25,096
  • Cash and Cash Equivalents: ₹42,94,425
  • Debt: ₹38,28,680

Consolidated Results:

Quarter Ended September 30, 2026:

  • Revenue from Operations: ₹10,39,389
  • Total Income: ₹11,77,437
  • Net Profit: ₹1,48,599
  • EPS: ₹1.64

Half Year Ended September 30, 2026:

  • Revenue from Operations: ₹20,11,979
  • Total Income: ₹22,48,876
  • Net Profit: ₹2,80,912
  • EPS: ₹3.10

Segment-wise Performance [₹ in lakh]:

Standalone Segment Revenue (Q2 FY27):

  • Treasury Operations: ₹3,34,605
  • Retail Banking Operations: ₹5,11,096
  • Wholesale Banking Operations: ₹3,23,940
  • Other Banking Operations: Not Specified
  • Unallocated: ₹4,080

Standalone Segment Profit (Q2 FY27):

  • Treasury Operations: ₹79,256
  • Retail Banking Operations: ₹38,094
  • Wholesale Banking Operations: ₹60,127
  • Other Banking Operations: Not Specified
  • Unallocated: ₹(6,921)

Consolidated Segment Revenue (Q2 FY27):

  • Treasury Operations: ₹3,34,605
  • Retail Banking Operations: ₹5,14,598
  • Wholesale Banking Operations: ₹3,23,940
  • Other Banking Operations: ₹214
  • Unallocated: ₹4,080

Corporate Actions:

Not Specified

Other Significant Information:

  • Provision Coverage Ratio: 97.16% (96.88% as of September 30, 2025)
  • Government of India shareholding: 81.19%
  • Gross NPA: ₹9,10,853 (2.39%)
  • Net NPA: ₹1,14,605 (0.31%)
  • Investment Fluctuation Reserve balance of ₹1,19,498.34 lakhs transferred to P&L account during Q1 FY27
  • Total borrowings: ₹38,28,680 lakhs
  • Basel III Compliant Tier II Bonds outstanding: ₹1,50,000 lakhs (Series VI)
  • Interbank Participation Certificate lending outstanding: ₹1,54,000 lakhs

Entities included in consolidation:

Subsidiaries:

  • Cent Bank Home Finance Limited (64.40% ownership)
  • Cent Bank Financial Services Limited (100.00% ownership)

Associates:

  • Generali Central Insurance Company Limited (26.00% ownership)
  • Generali Central Life Insurance Company Limited (25.32% ownership)
  • Indo-Zambia Bank Limited, Zambia (20.00% ownership)