Margin compression from repo rate transmission
125 bps repo rate cut will pressure NIM as loan repricing is immediate while deposit repricing lags.
CENTRALBK / Q3-FY26 / risks
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Central Bank of India · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
high
Elevated provisions for ECL transition
Remaining ₹2,675 crore ECL provision required by April 2027 could impact profitability.
Higher slippages in agriculture and MSME segments
Gross NPA in agriculture and MSME remains around 5%, with KCC and government schemes contributing to slippages.
Cost-to-income ratio above guidance
Cost-to-income at 57.84% missed the 56% target; management expects it to take 3 years to fall below 50%.