Q3 2026 Central Bank of India Ltd Earnings Call Transcript
Key Points
- Total business grew by 15.77% year-on-year, reaching INR 7.74 lakh crores.
- Net profit increased by 31.70% to an all-time high of INR 1,263 crores.
- Gross NPA improved by 116 basis points to 2.70%, and Net NPA improved by 14 basis points to 0.45%.
- The bank achieved its market guidance in 11 out of 14 parameters, including business growth and credit cost.
- Provision coverage ratio is strong at 96.69%, indicating resilience in the balance sheet.
- CASA growth was below expectations, with a growth rate of only 8.54%.
- Net Interest Margin (NIM) fell short of the guidance, achieving 2.96% against a target of above 3%.
- Cost-to-income ratio was higher than expected at 57.84%, missing the target of less than 56%.
- There was a reduction in yield on advances by 86 basis points year-on-year to 8.15%.
- Higher provisioning was required for the restructured book and standard assets, impacting net profit growth.
Ladies and gentlemen, good day, and welcome to Central Bank of India Q3 FY26 earnings conference call hosted by Antique Stock Broking Limited. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. Raju Barnawal from Antique Stock Broking. Thank you, and over to you, sir.
Thank you. Good afternoon, everyone, and thank you for joining post results conference call of Central Bank of India. Today, from the senior management side, we have with us Kalyan Kumar, MD and CEO; Shri Murali Krishna sir, Executive Director; Shri Mahendra Dohare, Executive Director; Sri Ratan Kumar Executive Director; and Mr. Mukul, Chief Financial Officer. Now without any further delay, I hand over the call to MD sir for his opening remarks, post which we'll have a Q&A session. Thank you, and over to you, sir.
Good afternoon. In brief, I am going to capture the major highlights of Q3 results, and it
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