Central Bank of India has released its financial results for the second quarter and half year ended September 30, 2026. The announcement includes detailed financial performance, asset quality, and business highlights. The bank has submitted this presentation in compliance with SEBI regulations, making it available on its official website. Key figures on profitability, advances, deposits, and NPAs are included.
Central Bank of India Announces Q2 FY27 Financial Results
Central Bank of India has submitted its financial results for the second quarter and half year ended September 30, 2026. The bank has released a comprehensive presentation detailing its financial performance and operational highlights during the period.
Key Financial Highlights
Performance Overview
The presentation provides an in-depth look at the bank’s performance across various parameters, including:
- Key Highlights: Reports on Global Business, Total Deposits, CASA, Global Advances, RAM, Total Income, Interest Income, Operating Profit, Net Profit, Gross NPA %, and Net NPA % for the quarter ended September 2026 compared to the previous year. For instance, Global Business saw a 20.54% YoY growth, while Total Deposits grew by 14.41%.
- Profitability: Details on Net Profit trends, showing a 21.10% growth for the quarter ended September 2026 (QTR).
- Sustained Headline Numbers: A year-on-year comparison of key performance indicators like NIM, ROE, Credit Cost, and Earning Per Share. ROE increased to 15.78%, and Earning Per Share grew by 20.90%.
Balance Sheet and Asset Quality
The bank’s standalone balance sheet as of September 30, 2026, shows total assets of ₹597,313 Cr. Capital & Liabilities include Deposits of ₹508,509 Cr and Borrowings of ₹38,287 Cr. Assets include Loans & Advances of ₹373,070 Cr and Investments of ₹164,110 Cr.
Asset Quality Trends highlight a declining Gross NPA % to 2.39% and Net NPA % to 0.31% as of September 2026. The NPA movement tables detail the reduction in NPAs through up-gradation, recovery, and write-offs.
Business and Operational Performance
Business Across the Board: Global Business grew by 20.54% YoY to ₹889,541 Cr. Total Deposits increased by 14.41% YoY to ₹508,509 Cr. Global Advances showed a strong growth of 29.83% YoY to ₹381,032 Cr.
Credit Performance: The bank’s credit portfolio is diversified across Retail, Agriculture, MSME, and Corporate sectors. Retail advances grew by 24.49% YoY.
Digital Initiatives and Investments
The presentation also covers the bank’s Digital Journey, including digital transactions and customer touch points, with a focus on UPI, IMPS, Mobile Banking, and Internet Banking. The bank has also detailed its Investment Portfolio, with Government Securities forming the largest component at 81.35%.
Group Performance
Consolidated Net Profit Attributable to the Group for the half year ended September 2026 was ₹2,809 Cr, an increase from ₹2,514 Cr in September 2025.
The bank has also outlined its Guidance for FY 2026-27, indicating targets for Business Growth (14-15%), Deposit Growth (10-12%), and maintaining low NPA levels (Gross NPA below 2.50%).
Source: BSE
