Central Bank of India Q1 FY27 Results: PAT Rises 3% YoY, NII Grows 16%;
Central Bank of India reported a 3.21% YoY rise in Q1 FY27 net profit to ₹1,323 crore, while net interest income increased 15.70%. Gross NPA improved to 2.60%.
Central Bank of India Q1 2027 Results : Central Bank of India reported a 3.21% year-on-year rise in Q1 FY27 net profit to ₹1,323 crore, supported by a 15.70% increase in net interest income. Gross NPA improved to 2.60%, while the stock declined nearly 3% following the earnings announcement.
Central Bank of India Q1 Results 2027: On 17 July, Central Bank of India reported a steady performance for the first quarter of FY27. The bank's Net Interest Income (NII) grew 15.70% year-on-year to ₹3,914 crore, while Profit After Tax (PAT) increased 3.21% YoY to ₹1,323.13 crore. Here's a detailed breakdown of Central Bank of India's Q1 FY27 results.
Central Bank of India Q1 FY2027 Results Highlights
-
Total Income stood at ₹10,714.39 crore in Q1 FY27, registering a 3.07% YoY increase from ₹10,395.52 crore in Q1 FY26. Total income declined 1.33% from Q4 FY26.
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Net Interest Income (NII) increased to ₹3,914 crore, up 15.70% YoY from ₹3,383 crore. On a quarterly basis, NII declined 2.20% from ₹4,002 crore.
-
Pre-Provision Operating Profit (PPOP) stood at ₹2,196.25 crore, registering a 3.87% QoQ increase from ₹2,114.43 crore. However, PPOP declined 5.15% YoY from ₹2,315.41 crore.
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Profit After Tax (PAT) stood at ₹1,323.13 crore, up 3.21% YoY from ₹1,281.98 crore. Compared with Q4 FY26, PAT surged 77.43% QoQ.
-
Gross NPA improved to 2.60% from 3.13% a year ago and 2.67% in the previous quarter, reflecting continued improvement in asset quality. Net NPA remained stable at 0.49%, unchanged both sequentially and year-on-year.
-
CASA deposits increased 11.16% YoY to ₹2,22,892 crore, compared with ₹2,00,522 crore in Q1 FY26.
-
Net Interest Margin (NIM) moderated to 3.06% from 3.16% in Q1 FY26, a contraction of 10 basis points.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (₹ Cr) |
10,714.39 |
10,859.11 |
-1.33% |
10,395.52 |
3.07% |
|
Net Interest Income (₹ Cr) |
3,914 |
4,002 |
-2.20% |
3,383 |
15.70% |
|
Operating Profit (₹ Cr) |
2,196.25 |
2,114.43 |
3.87% |
2,315.41 |
-5.15% |
|
Operating Profit Margin |
20.50% |
19.47% |
+103 bps |
22.27% |
-177 bps |
|
Profit After Tax (₹ Cr) |
1,323.13 |
745.72 |
77.43% |
1,281.98 |
3.21% |
|
Gross NPA (%) |
2.60% |
2.67% |
-7 bps |
3.13% |
-53 bps |
|
Net NPA (%) |
0.49% |
0.49% |
Flat |
0.49% |
Flat |
|
CASA (₹ Cr) |
2,22,892 |
— |
— |
2,00,522 |
11.16% |
|
ROA (%) |
1.00% |
— |
— |
1.02% |
-2 bps |
|
ROE (%) |
14.92% |
— |
— |
14.17% |
+75 bps |
|
NIM (%) |
3.06% |
— |
— |
3.16% |
-10 bps |
|
EPS (₹) |
1.46 |
0.82 |
78.05% |
1.42 |
2.82% |
Source: Central Bank of India Q1 FY27 Investor Presentation and Consolidated Financial Results.
Central Bank of India Q1 FY27 Segment-wise Revenue
Retail Banking Operations remained the bank's largest revenue contributor during the quarter, supported by healthy retail credit growth. Treasury Operations recorded strong sequential growth, while Wholesale Banking witnessed moderation compared with both the previous quarter and the corresponding period last year.
|
Particulars (₹ Cr) |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Treasury Operations |
3,341.83 |
3,077.04 |
8.61% |
3,461.64 |
-3.46% |
|
Retail Banking Operations |
5,101.58 |
4,720.99 |
8.06% |
4,598.08 |
10.95% |
|
Wholesale Banking Operations |
2,236.25 |
2,621.18 |
-14.69% |
2,300.68 |
-2.80% |
|
Other Banking Operations |
1.88 |
11.66 |
-83.88% |
0.78 |
141.03% |
|
Unallocated |
32.85 |
428.24 |
-92.33% |
34.34 |
-4.34% |
|
Total Income |
10,714.39 |
10,859.11 |
-1.33% |
10,395.52 |
3.07% |
Source: Central Bank of India Q1 FY27 Segment Information.
Central Bank of India Dividend 2027 and Share Price Today
As of 17 July, 3:30 PM
Following the Q1 results, Central Bank of India shares declined nearly 3%. On a year-to-date (YTD) basis, the stock is down 16%. Over the one year from July 17, 2025, to July 17, 2026, the share price has declined 18%.
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