Central Bank of India (NSE:CENTRALBK)

Q2 2026 Central Bank of India Ltd Earnings Call Transcript

Oct 17, 2025 / 10:30 AM GMT

Release Date Price: ₹36.92 (-2.61%)

Transcript

Key Points

Positve

Central Bank of India (BOM:532885) reported a year-on-year business growth of 14.43%, with total deposits increasing by 13.40%.
The bank's gross advances grew by 16%, and the RAM (Retail, Agriculture, and MSME) segment saw a growth of 15.23%.
Net profit increased by 32.86% year-on-year, indicating strong financial performance.
The bank's gross NPA reduced to 3.01%, showing improvement in asset quality.
The bank is focusing on digital transformation and customer-centric initiatives to optimize returns and improve service delivery.

Negative

Total non-interest income decreased by INR 280 crore over the previous quarter.
The cost-to-income ratio increased to 62.72%, up from 57.19% year-on-year, indicating rising operational costs.
Net interest income decreased by 2.96% quarter-on-quarter and 3.72% year-on-year.
Operating profit declined by 22% quarter-on-quarter and 17.5% year-on-year.
The bank faces challenges in repricing deposits due to contractual engagements, impacting financial performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CBI.NS - Central Bank of India Ltd
Q2 2026 Central Bank of India Ltd Earnings Call
Oct 17, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Central Bank of India Q2 F 526 conference call hosted by Antique Stockbroking Limited.

As a reminder, all the participant lines will be on the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchstone phone. I now hand the conference over to Mr. Sikha Singh from Anti Stockbroking.

Thank you and over to you, Mr. Singh.

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Unidentified_2 [2]
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