Central Bank of India
CENTRALBKFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
20 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (1 of 20 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20200715 | 2019-03-31 | yes | |
| TRANSCRIPT | 20201127 | 2020-09-30 | yes | |
| TRANSCRIPT | 20210811 | 2021-06-30 | yes | |
| TRANSCRIPT | 20211103 | 2021-09-30 | yes | |
| TRANSCRIPT | 20221029 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230123 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230504 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230721 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231026 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240125 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240508 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240724 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241022 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250127 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250503 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250728 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251027 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260122 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260508 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260723 | 2026-06-30 | yes |
CENTRALBK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 31.19 |
| 52-week range | 29.62 – 40.44 |
| Return 1M | 1.5% |
| Return 3M | -3.14% |
| Return 1Y | -17.18% |
| Return 3Y | -37.62% |
| Return 5Y | 48.52% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 9,726.00 |
| Interest on advances and bills | 6,788.00 |
| Income on investments | 2,646.00 |
| Interest on balances with the RBI and interbank funds | 253.00 |
| Other interest | 38.00 |
| Interest expended | 5,794.00 |
| Other income | 988.00 |
| Total income | 10,714.00 |
Ownership — 2026-06-30, and the change from 2026-05-27
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.81 | 0.00 |
| institutions foreign | 0.01 | 0.00 |
| institutions domestic | 0.11 | 0.00 |
| mutual funds | 0.03 | 0.00 |
| public | 0.19 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 20 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Net cash from operating activities | -7,257.00 | -7,024.00 | -5,910.00 | -5,003.00 | 2,598.00 | 2,804.00 |
| Net cash from investing activities | -95.00 | -283.00 | -584.00 | -180.00 | -137.00 | -454.00 |
| Net cash from financing activities | 0.00 | 0.00 | 0.00 | 0.00 | -351.00 | -713.00 |
| Purchase of property, plant and equipment | 97.00 | 284.00 | 587.00 | 182.00 | 138.00 | -4.00 |
| Net increase in cash | -7,352.00 | -7,307.00 | -6,494.00 | -5,182.00 | 2,111.00 | 1,637.00 |
| con:CFO.BEFORE_TAX | -6,990.00 | -6,772.00 | -5,651.00 | -4,424.00 | 3,029.00 | 3,176.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 267.00 | 252.00 | 259.00 | 578.00 | 431.00 | 372.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 0.00 | 1.00 | 3.00 | 2.00 | 1.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-06-30 | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 5,555.00 | 6,184.00 | 7,377.00 | 7,842.00 | 8,371.00 | 8,367.00 | 8,235.00 | 8,542.00 | 8,623.00 | 8,777.00 | 9,070.00 | 9,698.00 | 9,726.00 |
| Interest on advances and bills | 2,966.00 | 3,602.00 | 4,754.00 | 5,199.00 | 5,334.00 | 5,431.00 | 5,432.00 | 5,718.00 | 5,964.00 | 5,697.00 | 6,124.00 | 6,392.00 | 6,788.00 |
| Income on investments | 2,130.00 | 2,144.00 | 2,335.00 | 2,350.00 | 2,547.00 | 2,464.00 | 2,548.00 | 2,591.00 | 2,341.00 | 2,589.00 | 2,683.00 | 2,601.00 | 2,646.00 |
| Interest on balances with the RBI and interbank funds | 438.00 | 389.00 | 271.00 | 250.00 | 269.00 | 248.00 | 244.00 | 194.00 | 275.00 | 454.00 | 256.00 | 269.00 | 253.00 |
| Other interest | 21.00 | 49.00 | 17.00 | 43.00 | 221.00 | 223.00 | 12.00 | 38.00 | 43.00 | 37.00 | 8.00 | 435.00 | 38.00 |
| Interest expended | 3,397.00 | 3,421.00 | 4,338.00 | 4,672.00 | 4,811.00 | 4,801.00 | 4,807.00 | 4,984.00 | 5,222.00 | 5,476.00 | 5,552.00 | 5,677.00 | 5,794.00 |
| Other income | 832.00 | 909.00 | 1,062.00 | 1,329.00 | 1,363.00 | 1,166.00 | 1,649.00 | 1,232.00 | 1,787.00 | 1,507.00 | 1,937.00 | 1,161.00 | 988.00 |
| Total income | 6,387.00 | 7,093.00 | 8,439.00 | 9,171.00 | 9,734.00 | 9,533.00 | 9,884.00 | 9,774.00 | 10,410.00 | 10,284.00 | 11,007.00 | 10,859.00 | 10,714.00 |
| Employee benefit expense | 1,132.00 | 1,108.00 | 1,440.00 | 1,667.00 | 1,726.00 | 1,717.00 | 1,831.00 | 1,797.00 | 1,839.00 | 1,897.00 | 2,060.00 | 1,804.00 | 1,764.00 |
| Operating expenses | 1,757.00 | 1,915.00 | 2,565.00 | 2,557.00 | 2,851.00 | 2,726.00 | 2,902.00 | 2,814.00 | 2,873.00 | 3,012.00 | 3,158.00 | 3,068.00 | 2,724.00 |
| Expenditure excluding provisions and contingencies | 5,154.00 | 5,336.00 | 6,903.00 | 7,228.00 | 7,662.00 | 7,528.00 | 7,708.00 | 7,798.00 | 8,095.00 | 8,488.00 | 8,710.00 | 8,745.00 | 8,518.00 |
| Operating profit before provisions | 1,233.00 | 1,757.00 | 1,535.00 | 1,943.00 | 2,072.00 | 2,006.00 | 2,176.00 | 1,977.00 | 2,315.00 | 1,795.00 | 2,297.00 | 2,114.00 | 2,196.00 |
| Provisions and contingencies | 915.00 | 1,124.00 | 968.00 | 821.00 | 710.00 | 1,193.00 | 598.00 | 559.00 | 522.00 | 316.00 | 705.00 | 505.00 | 405.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 85.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 319.00 | 633.00 | 567.00 | 1,122.00 | 1,363.00 | 812.00 | 1,578.00 | 1,418.00 | 1,878.00 | 1,479.00 | 1,592.00 | 1,609.00 | 1,791.00 |
| Tax expense | 75.00 | 308.00 | -41.00 | 395.00 | 551.00 | -75.00 | 657.00 | 450.00 | 617.00 | 260.00 | 327.00 | 871.00 | 462.00 |
| Profit for the period | 244.00 | 325.00 | 609.00 | 728.00 | 812.00 | 887.00 | 921.00 | 968.00 | 1,260.00 | 1,220.00 | 1,265.00 | 739.00 | 1,329.00 |
| Profit attributable to owners | 273.00 | 341.00 | 622.00 | 734.00 | 816.00 | 942.00 | 924.00 | 963.00 | 1,282.00 | 1,232.00 | 1,264.00 | 746.00 | 1,323.00 |
| Profit attributable to non-controlling interests | 3.00 | 3.00 | 1.00 | 3.00 | 1.00 | 2.00 | 2.00 | 3.00 | 2.00 | 2.00 | 0.00 | 2.00 | 1.00 |
| con:SHARE_OF_ASSOCIATES | 32.00 | 19.00 | 14.00 | 10.00 | 6.00 | 58.00 | 5.00 | -2.00 | 24.00 | 14.00 | -0.00 | 9.00 | -4.00 |
| Earnings per share, basic | 0.31 | 0.39 | 0.72 | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.42 | 1.36 | 1.40 | 0.82 | 1.46 |
| Earnings per share, diluted | 0.31 | 0.39 | 0.72 | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.42 | 1.36 | 1.40 | 0.82 | 1.46 |
Annual results, as filed
| Line | 2024-03-31 | 2026-03-31 |
|---|---|---|
| Interest earned | 30,849.00 | 36,168.00 |
| Interest on advances and bills | 19,822.00 | 24,177.00 |
| Income on investments | 9,514.00 | 10,214.00 |
| Interest on balances with the RBI and interbank funds | 1,120.00 | 1,254.00 |
| Other interest | 393.00 | 522.00 |
| Interest expended | 17,882.00 | 21,926.00 |
| Other income | 4,713.00 | 6,331.00 |
| Total income | 35,562.00 | 42,498.00 |
| Employee benefit expense | 6,326.00 | 7,600.00 |
| Operating expenses | 10,275.00 | 12,050.00 |
| Expenditure excluding provisions and contingencies | 28,157.00 | 33,976.00 |
| Operating profit before provisions | 7,405.00 | 8,522.00 |
| Provisions and contingencies | 3,315.00 | 2,048.00 |
| Profit before exceptional items and tax | — | 6,559.00 |
| Exceptional items | 0.00 | 85.00 |
| Profit before tax | 4,090.00 | 6,559.00 |
| Tax expense | 1,514.00 | 2,075.00 |
| Profit for the period | 2,576.00 | 4,484.00 |
| Profit attributable to owners | 2,668.00 | 4,524.00 |
| Profit attributable to non-controlling interests | 9.00 | 7.00 |
| con:SHARE_OF_ASSOCIATES | 101.00 | 47.00 |
| Earnings per share, basic | 3.07 | 5.00 |
| Earnings per share, diluted | 3.07 | 5.00 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Capital | 8,681.00 | 8,681.00 | 8,681.00 | 8,681.00 | 9,051.00 | 9,051.00 |
| Reserves and surplus | 19,479.00 | 21,653.00 | 23,693.00 | 24,818.00 | 29,484.00 | 29,950.00 |
| Deposits | 343,585.00 | 371,803.00 | 385,541.00 | 392,481.00 | 445,053.00 | 468,444.00 |
| Borrowings | 7,829.00 | 17,126.00 | 20,013.00 | 13,347.00 | 12,399.00 | 31,854.00 |
| Other liabilities and provisions | 8,205.00 | 8,419.00 | 9,844.00 | 8,481.00 | 8,936.00 | 11,780.00 |
| Total equity and liabilities | 387,779.00 | 427,681.00 | 447,772.00 | 447,807.00 | 504,923.00 | 551,079.00 |
| Cash and balances with the RBI | 26,557.00 | 20,625.00 | 22,955.00 | 21,146.00 | 21,700.00 | 18,953.00 |
| Balances with banks and money at call | 19,188.00 | 16,170.00 | 14,653.00 | 11,280.00 | 16,608.00 | 18,882.00 |
| Investments | 133,687.00 | 143,559.00 | 144,010.00 | 149,524.00 | 160,576.00 | 157,607.00 |
| Advances | 184,262.00 | 225,046.00 | 244,399.00 | 244,041.00 | 287,209.00 | 338,209.00 |
| Property, plant and equipment | 4,870.00 | 4,756.00 | 5,336.00 | 5,237.00 | 5,037.00 | 5,126.00 |
| Other assets | 19,214.00 | 17,525.00 | 16,418.00 | 16,580.00 | 13,793.00 | 12,303.00 |
| Total assets | 387,779.00 | 427,681.00 | 447,772.00 | 447,807.00 | 504,923.00 | 551,079.00 |
Asset quality and capital, as filed
| Line | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 10,948.00 | 10,726.00 | 10,847.00 | 11,398.00 | 11,453.00 | 11,676.00 | 10,540.00 | 8,706.00 | 8,901.00 | 8,801.00 | 9,259.00 | 9,312.00 |
| Net non-performing assets | 3,757.00 | 3,706.00 | 2,997.00 | 3,038.00 | 1,813.00 | 1,720.00 | 1,606.00 | 1,349.00 | 1,408.00 | 1,459.00 | 1,708.00 | 1,767.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-28 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-05-27 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 93.08 | 93.08 | 93.08 | 93.08 | 93.08 | 93.08 | 89.27 | 89.27 | 89.27 | 0.89 | 0.89 | 0.89 | 0.81 | 0.81 |
| Domestic institutions | 2.85 | 2.80 | 2.80 | 2.81 | 2.82 | 2.83 | 5.87 | 5.87 | 5.07 | 0.05 | 0.05 | 0.05 | 0.11 | 0.11 |
| Mutual funds | — | — | — | — | — | — | — | — | 0.30 | 0.00 | 0.00 | 0.00 | 0.02 | 0.03 |
| Insurance companies | 2.69 | 2.69 | 2.69 | 2.69 | 2.69 | 2.69 | 3.47 | 3.47 | 3.31 | 0.03 | 0.03 | 0.03 | 0.07 | 0.07 |
| Foreign institutions | 0.16 | 0.07 | 0.17 | 0.16 | 0.34 | 0.44 | 1.26 | 1.27 | 0.96 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Government | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 6.92 | 6.92 | 6.92 | 6.92 | 6.92 | 6.92 | 10.73 | 10.73 | 10.73 | 0.11 | 0.11 | 0.11 | 0.19 | 0.19 |
| Non-institutional | 3.91 | 4.05 | 3.95 | 3.94 | 3.76 | 3.65 | 3.60 | 3.58 | 4.70 | 0.05 | 0.05 | 0.05 | 0.07 | 0.07 |
| Shares outstanding | 8680939432 | 8680939432 | 8680939432 | 8680939432 | 8680939432 | 8680939432 | 9051401274 | 9051401274 | 9051401274 | 9051401274 | 9051401274 | 9051401274 | 9051401274 | 9051401274 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| M V RAO | Managing Director & CEO | Remuneration | 2,047,000.00 | 1 |
| VIVEK WAHI | Executive Director | Remuneration | 1,762,000.00 | 1 |
| M V MURALI KRISHNA | Executive Director | Remuneration | 1,736,000.00 | 1 |
| MAHENDRA DOHARE | Executive Director | Remuneration | 1,736,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-23 | Q1FY27 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2026-05-08 | Q4FY26 | AND STOCK LIMITED | Read the call |
| 2026-01-22 | Q3FY26 | CHIEF EXECUTIVE OFFICER, | Read the call |
| 2025-10-27 | Q2FY26 | CENTRAL BANK OF INDIA | Read the call |
| 2025-07-28 | Q1FY26 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2025-05-03 | Q4FY25 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2025-01-27 | Q3FY25 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2024-10-22 | Q2FY25 | Read the call | |
| 2024-07-24 | Q1FY25 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2024-05-08 | Q4FY24 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2024-01-25 | Q3FY24 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2023-10-26 | Q2FY24 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2023-07-21 | Q1FY24 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2023-05-04 | Q4FY23 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2023-01-23 | Q3FY23 | Ashok Ajmera:, BANK OF INDIA, CENTRAL BANK OF INDIA, M.V. Rao:, Suraj Das: | Read the call |
| 2022-10-29 | Q2FY23 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2021-11-03 | Q2FY22 | BANK 0F INDIA, BANK OF INDIA, CnNTRAL BANK oF INDIA | Read the call |
| 2021-08-11 | Q1FY22 | BANK OF INDIA, CENTRAL BANK OF INDIA | Read the call |
| 2020-11-27 | Q2FY21 | Read the call | |
| 2020-07-15 | FYFY19 | CENTRAL BANK OF INDIA | Read the call |
What they said about it, quarter by quarter
| Topic | Q3FY23 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY23 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | And what kind of CAPEX are we doing for this? | And what kind of investment or capex we would have done to enable the Bank to create a super app? | So, for that, any particular sector, because the private CAPEX is not growing that much, and at the time, the government finances are under stress. | — | — | April 28, 2025 also, if we see some capex happening, in that case, we will be open to fund those kind of capex. | — |
| Capital allocation | — | — | Second thing, sir, publicly it is already acknowledged that the insurance company, we have finalized the acquisition. | — | — | — | — | Total dividend declared is at the rate of 12%, INR1.20 per equity share for FY 2025-26, and it includes all the interim dividend declared and paid at … |
| Costs | — | — | — | — | — | — | — | — |
| Debt and cash | — | There is only some temporary cash flow mismatches do happen here. | — | — | So, it's not that I will be waiting for any new company to come and ask our share in our working capital requirements, there may be more for the indus… | — | — | — |
| Demand | On the corporate side, I have unutilized lines around INR 2,500 crores and further sanctions around INR 4,000 crores, it is the pipeline. | — | See, as far as the recovery in write-off is concerned, this quarter, we clocked around INR396 crores, with some bigger accounts which are in the pipel… | Demand for credit side, majorly the sectors where we entered, this is renewable energy sector, LRD, and also opportunity towards infrastructure, road … | My question is on the demand side, how is the demand seen in the corporate segment? | — | So I would say that treasury gains are in the pipeline, and it depends upon the size of the SLR portfolio. | Now going forward, what I mean, How much sanctions are in pipeline? |
| Guidance | Our guidance on net NPA is it will be in between 1 point around 1.75. | January 19, 2024 Entire 1.26% is the proactive provisions what we made to strengthen the balance sheet and return on assets we have given 0.70% we are… | We have made a provision of INR250 crores on standard restructured accounts where we expect that there might be some impact due to the ECL guidelines,… | Here, I want to say in market guidance, in business growth, deposit growth, advances growth, RAM, gross NPA, Net NPA, PCR, slippage ratio, credit cost… | The advances growth at this time guidance we are giving 12% to 14%. | What is the average realization we expect? | The RAM growth is at 16.13%, and RAM constitutes 66.90%, which is well within our guidance of 65-35 plus/minus 5%. | We have given 65%, 35% plus/minus 5% guidance. |
| Margin | — | — | And coming to the NIM, that is Net Interest Margin, it stands at 3.48%, which is 20 basis points higher than the previous year, that is 3.28% in the p… | Actually, I can't assure by March '26 because there is pressure on margin due to rate cut, and though we are diversifying revenue sources and cost set… | Or is it factoring in that possible rate cuts that would lead to margin compression. | The net interest margin now is at 3.40% in the previous year, it was 3.47% Return on assets has improved to 0.76% Return on equity has improved to 2.9… | Coming to the other ratios, which are most important, that is the NIM, that is net interest margin, which stands at 3.40. | Central Bank of India April 30, 2026 And having good CASA base, we have actually good margin also. through which we can maintain the NIM side. |
| People | — | — | — | — | — | — | — | — |
| Pricing | — | So, how do you see our cost of funds before we see what RBI enables in the system and how do we see our pricing pattern on MCLR over a period of next … | — | — | So, our focus on the corporate side will be on the lower risk-weighted assets, trading off with our lower rate of interest because we have that pricin… | — | — | — |
| Revenue growth | Like in the loan growth of the bank was quite robust at around 6% on a quarter-on-quarter basis. | The total interest income showed a YoY growth of 16.26% and QoQ growth of 6.23% and reached a level of Rs 7,809 crores. | And at that point in time, there was de-growth of 10.61% on a Y-o-Y basis in corporate credit. | And coupled with that, the deposit growth was muted in this quarter, and the overall deposit growth also is only for nine months is 9.18%. | And the net interest income stood at INR11,687 crores which is Y-o-Y robust growth of 23.19%. | Total deposits are now at Rs.3.85 lakh crores that is a growth of 7.16% from the previous year. | The total non-interest income has seen a growth of 24.26%, and it stands at INR5,855 crores, vis-à-vis INR4,712 crores. | Operating profit also has shown a growth of 4.64% on a year-on basis to INR2,096 crores and net interest income grew by 17.74% on a year-on-year basis… |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2023-01-23 | Q3FY23 | Ashok Ajmera: | So the other colleague also had asked this is said question that like in that case, do we expect the reduction, I mean, as compared to this quarter in the next quarter on the cost side, when you say that INR 400 crores, INR 500 crores out of the INR 120 crores you explained, but another INR 350 crores or INR 80 crores, you said you are up fronted from March. |
| 2025-01-27 | Q3FY25 | CENTRAL BANK OF INDIA | We have made a provision of INR250 crores on standard restructured accounts where we expect that there might be some impact due to the ECL guidelines, if and when they kick in. |
| 2025-01-27 | Q3FY25 | CENTRAL BANK OF INDIA | And next financial year, we expect that it should be 50% or below 50%. |
| 2025-05-03 | Q4FY25 | CENTRAL BANK OF INDIA | The RAM growth is at 16.13%, and RAM constitutes 66.90%, which is well within our guidance of 65-35 plus/minus 5%. |