Q2 FY27 press release: net profit up 21.10% to ₹ 1469 crore, gross NPA at 2.39%
Q2 FY27 numbers: Net profit ₹ 1469 Cr, up 21.10% YoY from ₹ 1213 Cr.
By ScoutQuest · · 2 min read
- Net profit (Q2 FY27)
- ₹ 1469 Cr, up 21.10% YoY from ₹ 1213 Cr
- Gross NPA
- 2.39% (down 62 bps)
- Deposits
- ₹ 508509 Cr (+14.41%), advances ₹ 381032 Cr (+29.83%)
Business growth
- Total Global Business grew by 20.54% to ₹ 889541 crore from ₹ 737938 crore a year earlier.
- Total Domestic Deposits increased by 14.41% to ₹ 508509 crore from ₹ 444450 crore.
- CASA Deposits stand at 44.65% of total deposits.
- Global Advances increased by 29.83% to ₹ 381032 crore from ₹ 293488 crore. Domestic Advance stood at ₹ 372939 crore and Overseas Advance (Gift City- IBU) at ₹ 8093 crore.
- RAM (Retail, Agriculture & MSME) Business grew by 21.11%, with Retail up 24.49% (₹ 112299), Agriculture up 19.92% (₹ 67778) and MSME up 17.36% (₹ 74196).
- Business per Employee improved to ₹ 25.26 crore from ₹ 21.48 crore.
Profitability in the quarter
- Net Profit rose 21.10% to ₹ 1469 crore from ₹ 1213 crore.
- Operating Profit stood at ₹ 2268 crore against ₹ 1786 crore, a growth of 26.9%.
- Net Interest Income (NII) grew 26.28% to ₹ 4146 crore from ₹ 3283 crore.
- Total Income improved 14.92% to ₹ 11737 crore from ₹ 10213 crore.
- Cost to Income ratio reduced to 58.95% from 62.42%.
Half year performance
- Net Profit increased 17.25% to ₹ 2793 crore from ₹ 2382 crore.
- Operating Profit stood at ₹ 4454 crore against ₹ 4090 crore, up 8.90%.
- Net Interest Income grew 20.91% to ₹ 8060 crore from ₹ 6666 crore.
- ROA remained stable at 1.02% and ROE improved to 15.50% from 14.24%.
Quarter over quarter
- Net Profit grew 10.95% (₹ 145 crore) to ₹ 1469 crore.
- Operating Profit grew 3.75% (₹ 82 crore) to ₹ 2268 crore and NII grew 5.93% (₹ 232 crore) to ₹ 4146 crore.
- Interest Income grew 6.87% (₹ 666 crore) to ₹ 10357 crore.
Asset quality
- Gross NPA stood at 2.39%, an improvement of 62 bps from 3.01% year-on-year.
- Net NPA stood at 0.31%, an improvement of 17 bps from 0.48%.
- Provision Coverage Ratio stood at 97.16%, up 28 bps from 96.88%.
- Slippage Ratio stood at 0.24% for the quarter and 0.45% for the half year.
Capital and reach
- Total BASEL III CRAR is 17.68% (with Tier I of 15.97%) against 17.34%, an improvement of 34 bps.
- The bank has 22215 touch points, 85% of them in rural and semi-urban centres, with 4622 branches (65.24% in rural and semi-urban areas), 1 IFSC Banking Unit, 3820 ATMs, 13752 BC outlets and 20 BC Maxx Centres as on 30/09/2026.
What this means for a retail reader
The release sets out growth in deposits and advances, a higher net profit for both the quarter and the half year, lower Gross and Net NPA ratios, and a higher capital adequacy ratio compared with a year earlier. These are the figures to track in the bank's results.
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
- Total Global Business₹ 889541 crore
- Total Domestic Deposits₹ 508509 crore
- Global Advances₹ 381032 crore
- Net Profit for the Quarter₹ 1469 crore
- Net Profit growth YoY (Quarter)21.10%
- Gross NPA2.39%
- Net NPA0.31%
- Total BASEL III CRAR17.68%
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