Central Bank of India Q2 FY26 earnings call summary

Earnings call of 17 Oct 2025, summarised by AI from the filing.

Central Bank of India Q2 FY26 net profit ₹1,213 cr, up 32.86% year-on-year, with Cost-to-Income guided to 54-55% by March.

Key takeaways

1. Cost-to-Income Management guides Cost-to-Income ratio to 54-55% by March.
2. Provisions Provisions fell to ₹573 cr from ₹1,135 cr in June 2025.
3. Margin pressure NIM reduced by 52 basis points to 2.89% due to lag in deposit repricing.

Original filing on BSE

Central Bank of India Q1 FY27 results

As filed: Revenue ₹9,726 cr, EBITDA ₹803 cr, PAT ₹1,329 cr, EBITDA margin 8.3%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹9,698 cr, EBITDA ₹448 cr, PAT ₹739 cr, EBITDA margin 4.6%. Not scored. Bank result format: not scored yet. Share price after the results: −15.5% in 29 days (Nifty 500: −0.1%).
• Q3 FY26: Revenue ₹9,070 cr, EBITDA −₹345 cr, PAT ₹1,265 cr, EBITDA margin -3.8%. Not scored. Bank result format: not scored yet. Share price after the results: −0.6% in 28 days (Nifty 500: −0.7%).
• Q2 FY26: Revenue ₹8,777 cr, EBITDA −₹28.2 cr, PAT ₹1,220 cr, EBITDA margin -0.3%. Not scored. Bank result format: not scored yet. Share price after the results: 0.0% in 28 days (Nifty 500: +1.2%).
• Q1 FY26: Revenue ₹8,623 cr, EBITDA ₹91.3 cr, PAT ₹1,260 cr, EBITDA margin 1.1%. Not scored. Bank result format: not scored yet. Share price after the results: −3.9% in 30 days (Nifty 500: −1.5%).
• Q4 FY25: Revenue ₹8,653 cr, EBITDA −₹652 cr, PAT ₹1,042 cr, EBITDA margin -7.5%. Not scored. Bank result format: not scored yet. Share price after the results: +0.2% in 30 days (Nifty 500: +3.1%).
• Q3 FY25: Revenue ₹8,542 cr, EBITDA ₹186 cr, PAT ₹968 cr, EBITDA margin 2.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹8,235 cr, EBITDA −₹70.9 cr, PAT ₹921 cr, EBITDA margin -0.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Central Bank of India earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (17 Jul 2026), Results deck (17 Jul 2026), Results deck (30 Sep 2026), Results press release (17 Jul 2026)
• Q4 FY26: Earnings call (30 Apr 2026), Results deck (30 Apr 2026), Results deck (7 May 2026), Results press release (30 Apr 2026)
• Q3 FY26: Earnings call (16 Jan 2026), Results deck (16 Jan 2026), Results deck (17 Jan 2026), Results press release (16 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (21 Jul 2025), Results deck (19 Jul 2025), Results press release (19 Jul 2025)
• Q4 FY25: Earnings call (28 Apr 2025), Results deck (28 Apr 2025), Results deck (28 Apr 2025), Results press release (28 Apr 2025), Results press release (28 Apr 2025)