India · Delayed Price · Currency is INR Central Bank of India Earnings Call Transcripts
Fiscal Year 2026
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Business grew 15.6% year-over-year with strong advances and improved asset quality. Net profit rose 15% despite a one-time tax impact, and guidance for FY27 targets 14–16% credit growth, NIM above 3%, and continued focus on retail and MSME.
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Business grew 15.77% YoY with record net profit and improved asset quality. Credit and deposit growth targets remain on track, supported by digital initiatives and strong recoveries, though margin pressure from rate cuts persists.
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Business grew 14.43% year-over-year, with net profit up 32.86% and asset quality improving. Focus remains on digital transformation, RAM growth, and recovery, while cost-to-income and NIM are key areas for improvement.
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ROA and ROE improved significantly year-over-year, with net profit at a record INR 1,169 crore and asset quality at best-ever levels. Loan growth targets remain at 14–16%, with a focus on RAM segments and digital expansion. Interim dividend declared.
Fiscal Year 2025
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Record net profit and business growth were achieved, with strong advances and improved asset quality. Guidance for FY26 includes double-digit growth in business and advances, stable NIM, and further digital expansion. Treasury gains and robust recoveries are expected to support profitability.
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Business grew 8.3% YoY with strong advances and improved asset quality. Net profit hit a 15-quarter high, and guidance for growth, profitability, and digital transformation remains robust. Asset quality, capital, and liquidity metrics all improved.
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Net profit surged 50.91% year-over-year to ₹913 crore, with strong growth in net interest income and non-interest income. Asset quality improved, and the bank set a 12–14% credit growth target for FY25 while expanding into insurance and digital initiatives.
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Net profit more than doubled year-over-year, driven by strong advances growth, improved asset quality, and robust non-interest income. Guidance for FY25 remains positive, with proactive provisioning and digital initiatives supporting future growth.