Press Release on Performance of the Bank for the First quarter and Three months ended 30th June 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 17 Jul 2026, 01:35 PM IST · BSE ID: a7af6d48-294a-4ccc-b9bf-f294ad197f18
View Original BSE Filing (PDF)
💡
In Simple Terms
Central Bank of India reported higher profits and business growth, while also improving its asset quality and capital reserves.
🤖 AI Summary
- Net Profit for Q1 FY27 increased by 13.26% to ₹ 1324 crore from ₹ 1169 crore YoY.
- Total Global Business grew by 18.29% to ₹ 833320 crore in Q1 FY27.
- Gross Global Advance increased by 28.58% to ₹ 354348 crore for the quarter ended June 30, 2026.
- Gross NPA improved by 53 bps to 2.60% and Net NPA stood stable at 0.49%.
- CRAR improved to 18.28% (Tier I 16.54%) from 17.66% a year ago.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit for the Quarter
₹ 1324 crores
13.26%
Total Global Business
₹ 833320 crore
18.29%
Gross Global Advance
₹ 354348 crore
28.58%
Total Deposits
₹ 478972 crore
11.68%
Net Interest Income (NII)
₹ 3914 crore
15.70%
Operating Profit for the FY
₹ 2186 crores
🏢 How This Affects the Company
The bank's total global business increased by 18.29% to ₹ 833320 crore, driven by a 28.58% growth in Gross Global Advance to ₹ 354348 crore and an 11.68% increase in Total Deposits to ₹ 478972 crore.
Net Profit for Q1 FY27 rose by 13.26% to ₹ 1324 crore, while Net Interest Income (NII) grew by 15.70% to ₹ 3914 crore. Operating Profit, however, saw a slight dip to ₹ 2186 crores from ₹ 2304 crores.
The bank established an IFSC Banking Unit at Gift City, Gandhinagar, Gujarat, generating business worth ₹ 472.67 crore. Business per employee improved to ₹ 24.40 crore from ₹ 21.07 crore.
Gross NPA improved by 53 bps to 2.60% and Net NPA remained stable at 0.49%, indicating a reduction in credit risk. Provision Coverage Ratio stood at 95.86%, reinforcing asset quality management.
👥 What This Means For Shareholders
✅
Action Required
No action required based on this financial results press release.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, as reflected by the 13.26% increase in net profit and improved asset quality metrics.
🔍
Management Signal
The management's focus appears to be on business expansion and asset quality improvement, as evidenced by significant growth in advances and reduction in Gross NPA.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — monitor sustainability of business growth and asset quality.
CASA Deposits trend — check if CASA ratio of 46.61% is maintained or improved.
Net Interest Margin (NIM) — observe if the marginal decline post rate cuts reverses.
LOW RISK
Improved asset quality and capital adequacy metrics suggest reduced financial risk.
💡 Investor Takeaway
Central Bank of India reported a Net Profit increase of 13.26% to ₹ 1324 crores for Q1 FY27, while Total Global Business grew by 18.29% to ₹ 833320 crore. Gross NPA improved to 2.60% from 3.13%, and CRAR increased to 18.28%.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit for the quarter increased by 13.26% to ₹ 1324 crore, reflecting improved profitability on a YoY basis.
- Gross NPA improved by 53 bps to 2.60% and CRAR increased by 92 bps to 18.28%, indicating stronger asset quality and capital adequacy.
⚠️ Concerns
- Operating Profit for Q1 FY27 saw a slight dip to ₹ 2186 crores from ₹ 2304 crores in Q1 FY26.
- Cost to Income ratio slightly increased to 55.40% for Q1 FY27 as against 55.30% in Q1 FY26 by 10 bps.
📅 Company Track Record
Central Bank of India has consistently filed provisional business figures, with Q1 FY27 provisional total business previously reported as up 18.35% YoY to ₹833790 crore and ₹833840 Crore in early July 2026. This full Q1 FY27 result confirms the positive provisional trends.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Central Bank of India's net profit in Q1 FY27?
Central Bank of India's net profit for the first quarter ended June 30, 2026, was ₹ 1324 crores, an increase of 13.26% from ₹ 1169 crores in Q1 FY26.
How much did Central Bank of India's total global business grow in Q1 FY27?
Central Bank of India's total global business grew by 18.29% to ₹ 833320 crore in Q1 FY27, compared to ₹ 704485 crore in Q1 FY26.
What is Central Bank of India's Gross NPA percentage for Q1 FY27?
Central Bank of India's Gross NPA stood at 2.60% as of June 30, 2026, showing an improvement of 53 bps from 3.13% as on June 30, 2025.
What is Central Bank of India's CRAR as of Q1 FY27?
Central Bank of India's Total BASEL III CRAR for the quarter ended June 30, 2026, is 18.28%, with Tier I at 16.54%.
What was the Net Interest Income (NII) for Central Bank of India in Q1 FY27?
Central Bank of India's Net Interest Income (NII) grew by 15.70% YoY to ₹ 3914 crore in Q1 FY27, up from ₹ 3383 crore in Q1 FY26.
Questions based on this BSE filing only. For information purposes.