Central Bank of India

“Regarding business mix, we have seen ratio of corporate and our RAM is 38:68. It aligns with actually our guidance given to 65:35 plus or minus 5% and growth of RAM sector was 21%.”

“We are going to open, customize 116 gold loan branches where our TAT would be maximum 30 minutes”

“More than 8.5% is the average yield which we derive from the gold loan side. And we have built book Rs.41,000 Crores.”

“pending disbursement is Rs.7000 plus Crores and a proposal of Rs.5200 plus Crores is under process and Rs.11,000 Crores are under consideration. They may come in the NBG and all. Approximately Rs.24,000 Crores, corporate loan book, at present, we are actually having.”

“this September 2026 we have closed at Rs.1,18,666 Crores with a growth of 42% and out of total book 32% comes from this corporate side.”

“Major areas that we are focusing upon, is renewable energy, roads, and also data center, some exposure in real estate, hospitality, and manufacturing segment”

“Another focus area is SHG. We are having tie-up arrangement with the 26 states NRLM”

“very recently in home loan, Rs.22 Crores green home loan we have provided and even ticket size is not a bar for us, no restrictions is there. Now, I can tell you, average ticket size is increasing day-by-day for housing loan and car loan also.”

“reason, what you have asked, actually you know, we must build enough provision in good times for facing any challenges or anything which may come in future.”

“previous year, September 2025, Provision on Standard Advances was 30 or 37, now it is 399.”

“Out of those 61% linked to external benchmark and there if repo rate, reference rate increases, then certainly there will be positive impact on yield of our portfolio. Therefore, there are every likelihood that margin will increase in this increasing rate scenario.”

“We have maintained our deposit, cost of deposit at 4.60% and yield on advances 7.87%.”

“there also good return and less NPA is there that is why these are the focus area when I am expecting that yield on advances will increase in coming quarters.”

“I will highlight that liquidity coverage ratio improved to 156%”

“Our CASA has grown by 9.23%. We have crossed Rs.2,26,774 Crores, growth of 9.23%.”

“Yes, we have raised a good amount, actually 926.74 million USD across 731 accounts.”

“planning we have done for centering into the educational issues, the religious trusts, hospitals and other transport operators in a big way because we have established our marketing setup at different places.”

“2658 branches out of 4622 branches of Central Bank of India are having CASA percentage 50% and more.”

“We have opened GIFT City Branch on June 29, 2026, which contributed in overseas advance of Rs.8093 Crores”

“now we have also started wealth management. It is just the beginning, and we have recruited some marketing officer at a wealth segment and we are going in a big way, from next January to June quarter, it may come in force fully”

“In June or so, we are going to start with our credit card franchise, which will support in mobilizing salary accounts and all.”

“management services also is going to be launched very soon. Two modules already launched, other modules in next few months we are going to launch”

“We may get Rs.700 Crores in this aviation account in this current quarter or next quarter.”

“Though our treasury team has done a good job, they earned Rs.56 Crores by selling IPOs, by participating in IPOs”

“This one is mainly on account of we have received some amount as a part payment.”

“we expect that we have given guidance in this quarter, approximately Rs.5000 to Rs.5500 Crores may be required”

“Actually, see, our total requirement will be Rs.5,000 Crores to Rs.5,500 Crores. Out of that Rs.1,525 Crores, already we have kept an additional provision.”

“we are sure that it is not going to be a challenge for Central Bank of India for meeting ECL requirement scheduled for implementation from April 1, 2027.”

“I feel that treasury outlook would be challenged but it will contribute to the profitability as it has contributed this quarter also.”

“We ended by more than 7%, 7.19% yield during September 30, 2026 period. Now also it is progressing higher, 7.25%, 7.40%”

“In retail we reached to Rs.1,12,299 Crores with a growth of 24.49% year-on-year. In agriculture we reached to Rs.67,778 Crores with a growth of 19.92% and in MSME we reached to Rs.74,196 Crores, with a growth of 17.36% year-on-year basis.”

“net profit for the quarter has increased by 21% to Rs.1469 Crores up from Rs.1213 Crores previous year.”

“Net interest income grew by 26.28% on year-on-year basis to Rs.4146 Crores in Q2 FY2027”

“ROA improved by 3-basis points and stood at 1.03%”

“See, recovery in written off was Rs.485 Crores in this quarter good number we have got. If I talk about the pool, it is Rs.31,301 Crores.”