Central Bank of India — Investor Meet, 27-10-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Central Bank of India's Q2 FY26 Earnings Call revealed robust performance: total business grew 14.43% YoY to 7,37,938 Cr, with gross advances up 16%. Net profit surged 32.86% to 1,213 Cr. Asset quality improved, with Gross NPA at 3.01% (down 158 bps YoY) and Net NPA at 0.48%. RoA increased to 1.01%, and RoE to 14.22%.

Management outlined a vision for a digitally-enabled, customer-centric bank, prioritizing CASA growth, intensified RAM lending (targeting 65% of advances), and strategic expansion in corporate credit for a 65:35 RAM:Corporate ratio. Focus areas include reducing the Cost-to-Income ratio to 54-55% by March and boosting recovery from written-off accounts, targeting over 2,000 Cr this fiscal year. The bank is proactively addressing new ECL provisioning norms. Leadership expressed confidence in sustained improvements.