Central Bank of India earnings calls.

Central Bank of India delivered a strong Q1 FY27 with PAT of ₹1,324 croreCurrent reported value: ₹1,324 crore. No comparable prior figure is available in the source record. (+13.26Current reported value: 13.26. No comparable prior figure is available in the source record.% YoY) driven by 15.70% NII growth to ₹3,914 crore. Advances surged 28.58% YoYCurrent 28.58% YoY. Reported change: +464bps vs industry. to ₹3.54 lakh crore, significantly outpacing industry, with corporate book growing 46.52% from a low base while RAM segments (retail +23.94%, agriculture +21%, MSME +18%) provide sustainable diversification. Asset quality improved with GNPA at 6.22%Current reported value: 6.22%. No comparable prior figure is available in the source record. (down 53bps YoY) and PCR maintained at 95.86%. NIM held at 3.06%Current reported value: 3.06%. No comparable prior figure is available in the source record. with cost of deposits moderating to 4.60%. The bank reiterated deposit growth guidance of 11-12% and advances growth of 14-16% for FY27, backed by 1,000 credit officers joining in October, 300 marketing officers deployed, and 35 new customer acquisition centers. Management targets yield improvement to ~8% by March 2027 by focusing on high-yielding gold loan and SSG segments where dedicated divisions now report directly to the ED. Risks include declining treasury income, sharp LCR moderation from 215% to 156%, and ECL provisioning buffers that may require ~80bps capital impact upon transition from April 2027.