Central Bank of IndiaQ1 FY27 Results & Financial Update
Central Bank of India: Q1 FY27 consolidated results and company financials – revenue ₹10,714.39 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
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Quarterly Results AnalysisExplore Central Bank of India Q1 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
Interest expenses for the period stood at Rs 5,793.95 crore, while finance costs and tax expenses were reported at Rs 462.27 crore.
The bank registered a pre-provision operating profit (PPOP) of Rs 2,196.25 crore for the quarter, reflecting operating performance before accounting for provisions and contingencies.
Basic earnings per share (EPS) for the consolidated entity stood at Rs 1.46 for the quarter.
Asset quality indicators in the structured filings reflect a gross non-performing asset (GNPA) absolute value base, alongside a return on assets (RoA) figure of 0.0099 for the reporting period.
Central Bank of India reported its consolidated financial results for the first quarter of fiscal year 2027 (ended June 30, 2026), demonstrating stable operations across its lending and income-generating portfolios.
Total income for the quarter stood at INR 10,714.39 crore, supported by interest income of INR 9,725.90 crore and other income of INR 988.49 crore.
01 · Business model
What does Central Bank of India do?
Central Bank of India is a public sector bank providing comprehensive commercial banking and financial services across India, encompassing retail banking, corporate banking, treasury operations, and other financial services under consolidated reporting scope.
The bank generates its core revenue from interest on advances, investments, and other financial assets, supplemented by non-interest fee income from various banking operations and services.
02 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q1 FY27 |
|---|---|
| Total income | ₹10,714.39 Cr |
| Interest income | ₹9,725.90 Cr |
| Other income | ₹988.49 Cr |
| Pre-provision operating profit | ₹2,196.25 Cr |
| Provisions | ₹405.03 Cr |
| Profit before tax | ₹1,328.95 Cr |
| EPS | ₹1.46 |
| Return on assets | 0.01% |
03 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Generated Rs 9,725.90 crore from interest-earning assets during the quarter.
Contributed Rs 988.49 crore in fee and non-interest income during Q1 FY27.
Interest income from loans, advances, and investment portfolios contributed INR 9,725.90 crore to total earnings during the quarter.
Non-interest revenue streams, including fee-based income and treasury operations, generated INR 988.49 crore for the period.
Interest income for Q1 FY27 reached INR 9,725.90 crore, serving as the core driver of the bank's total revenue.
Non-interest and other income streams contributed INR 988.49 crore to the consolidated total income.
NIM, spread, funding cost and credit cost
Interest expenses incurred on deposits and borrowings amounted to Rs 5,793.95 crore for the quarter.
Total provisions set aside during the quarter stood at Rs 405.03 crore.
Total provisions of INR 405.03 crore were set aside during the quarter, impacting bottom-line profitability alongside finance costs and taxes of INR 462.27 crore.
Total interest expended on deposits and borrowings amounted to INR 5,793.95 crore during the quarter.
04 · Asset quality & capital strength
How credit quality and balance-sheet capacity changed
Asset quality, stages and credit risk
The bank reported a return on assets (RoA) of 0.0099 for the quarter ended June 30, 2026.
The bank reported a consolidated return on assets (RoA) of 0.0099 and a gross non-performing assets indicator value of 0.0261 for the quarter.
05 · Reported developments
What changed operationally
The bank registered a pre-provision operating profit of INR 2,196.25 crore for the quarter ended June 30, 2026.
06 · Funding & balance sheet
How funding, liquidity and capital support the loan book
Capital allocation & funding
Finance costs for the quarter were recorded at INR 462.27 crore.
07 · Beyond the numbers
What changed beyond the numbers
Reported update
Consolidated Reporting
Financial results for Q1 FY27 are filed on a consolidated basis under XBRL format as submitted to the exchange.
08 · Key Q&A
The quarter, answered directly
What does Central Bank of India do?
Central Bank of India is a public sector bank providing comprehensive commercial banking and financial services across India, encompassing retail banking, corporate banking, treasury operations, and other financial services under consolidated reporting scope.
What is the clearest takeaway from Q1 FY27?
Interest expenses for the period stood at Rs 5,793.95 crore, while finance costs and tax expenses were reported at Rs 462.27 crore.
What drove earnings or loan-book movement?
Generated Rs 9,725.90 crore from interest-earning assets during the quarter.
What mattered most for margins, funding or credit cost?
Interest expenses incurred on deposits and borrowings amounted to Rs 5,793.95 crore for the quarter.
What changed operationally beyond the headline numbers?
The bank reported a return on assets (RoA) of 0.0099 for the quarter ended June 30, 2026.
What should the next disclosure help confirm?
Monitor subsequent quarterly provision allocations and GNPA levels in future disclosures.
09 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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10 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Asset Quality and Provisions: Monitor subsequent quarterly provision allocations and GNPA levels in future disclosures.
- 02
Core Earnings Trajectory: Track the evolution of interest income and interest expense spreads in subsequent quarters.
- 03
Asset Quality Trends: Monitor subsequent quarters for changes in provision coverage, slippages, and overall asset quality indicators.
- 04
Net Interest Margins: Track the evolution of interest income relative to cost of funds to gauge margin trajectory.
- 05
Profitability and Margins: Monitor subsequent quarterly filings to track trends in net interest income, provisions, and earnings per share.
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