Central Bank of India Q2 FY27: net profit up 21.10% to ₹1469 Cr, advances grow 29.83%
Q2 FY27 net profit up 21.10% to ₹1469 Cr; global advances up 29.83%, gross NPA down 62 bps to 2.39%.
By ScoutQuest · · 1 min read
- Q2 FY27 Net Profit
- up 21.10% to ₹1469 Cr
- Global Advances Growth
- up 29.83% to ₹381032 Cr
- Gross NPA
- 2.39% (down 62 bps)
- Period
- FY 2026-27 (Q2)
- Positioning
- Central Bank of India presents itself as a public sector bank with ₹ 889541 Cr of global business, ₹ 508509 Cr of deposits and ₹ 381032 Cr of global advances as of September 2026.
📈 In the September 2026 quarter net profit rose 21.10% to ₹1469 Cr and operating profit 26.99% to ₹2268 Cr; net interest income grew 26.29% to ₹4146 Cr. Half-year net profit was ₹2793 Cr, up 17.25%.
🎯 Global advances grew 29.83% to ₹381032 Cr against deposit growth of 14.41%, while CASA rose only 9.23%; the guidance slide shows CASA at 44.65% against a 48% (+/-1%) target and cost to income at 58.95% versus a below 56% goal.
📉 Asset quality improved: gross NPA 2.39% (down 62 bps) and net NPA 0.31%, with PCR at 97.16%. The total standard restructured book fell to ₹3412 Cr from ₹4491 Cr a year earlier.
🎯 Management's FY26-27 guidance lists business growth of 14-15%, deposit growth of 10-12%, advances growth of 14-16%, NIM above 3% and ROA of 1% and above; the presentation states the bank surpassed all mandated priority sector norms and sold PSLC of ₹6500 Crore.
Also from Central Bank of India
Q2 FY2027 earnings call: profit up 21% to Rs.1469 Crores, NPA ratios within guidance
23 Oct 2026
Management participated in a one-on-one analyst/investor meet with Mytemple Capital Advisors LLP
22 Oct 2026
Management participated in a virtual one-on-one Analyst/Investor Meet with Arihant Capital Markets
21 Oct 2026
More numbers
- Net profit, Q2 FY27₹ 1469 Cr
- Net profit growth Y-o-Y, Q2 FY2721.10%
- Operating profit, Q2 FY27₹ 2268 Cr
- Global business, Sep'26₹ 889541 Cr
- Total deposits, Sep'26₹ 508509 Cr
- Global advances, Sep'26₹ 381032 Cr
- Global advances growth Y-o-Y29.83%
- Net interest income, Q2 FY274146 (₹ in Cr)
- Net profit, H1 FY272793 (₹ in Cr)
- Gross NPA, Sep'262.39%
- Net NPA, Sep'260.31%
- CASA ratio, Sep'2644.65%
- Cost to income ratio, Q2 FY2758.95%
- PSLC sold₹ 6500 Crore
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