Gross NPA improved to 2.60% as on 30.06.26, registering an improvement of 53 bps, from 3.13% as on 30.06.25.
FinTech BizNews Service
Mumbai, July 17, 2026: Central bank of India (CBI) today announced its Q1 FY27 results.
Kalyan Kumar, Managing Director & Chief Executive Officer, revealed : "The Bank has made its international footprint by opening an IFSC Banking Unit at Gift City, Gandhinagar, Gujarat & canvassed business to the tune of Rs 472.67 crore, till the reporting date."
RESULTS AT A GLANCE
Quarter ended 30th June 2026 vis-a-vis Quarter ended 30th June 2025.
➢ Total Global Business grew by 18.29% to Rs 833320 crore (Q1FY-26 - Rs 704485 crore).
➢ Total Deposits increased by 11.68% to Rs 478972 crore (Q1FY-26 - Rs 428890 crore).
➢ CASA Deposits stand at 46.61% of total deposits.
➢ Gross Global Advance increased by 28.58% to Rs 354348 crore (Q1FY-26 - Rs 275595 crore).
➢ Credit – Deposit ratio stood at 74.10.
➢ Gross NPA stood at 2.60%, registering an improvement of 53 bps.
➢ Net NPA stood 0.49%, maintaining stability.
➢ Provision Coverage Ratio stood at 95.86%.
➢ Operating Profit for the FY stood at Rs 2186 crores from Rs 2304 crores.
➢ Net Profit for the Quarter has increased by 13.26% to Rs 1324 crores from Rs 1169 crores.
➢ Net Interest Margin (NIM) stood at 3.06%, with a marginal decline, post absorption of the Regulatory rate cuts.
➢ ROA (Return on Asset) is 1.00%.
➢ ROE (Return on Equity) improved to 14.92% from 14.17%.
➢ Cost to Income ratio stood at 55.40%.
➢ Slippage Ratio stood at 0.29% for Quarter, registering an improvement of 6 bps.
➢ CRAR improved to 18.28 %, out of which Tier I is 16.54 %.
Profitability (Quarter Ended June 30th, 2026)-
➢ Net Profit for the Quarter has increased by 13.26% to Rs 1324 crores from Rs 1169 crores.
➢ Operating Profit for the FY stood at Rs 2186 crores from Rs 2304 crores, with a slight dip.
➢ Net Interest Income (NII) grew by 15.70 % on YoY basis to Rs 3914 crore in Q1FY27 as against Rs 3383 crore in Q1FY26.
➢ Total Income (Interest Income plus Non-Interest Income) for Q1FY27 improved by 3.08% from Rs 10678 crore for Q1FY27 to Rs 10359 crore for Q1FY26.
➢ Cost to Income ratio slightly increased to 55.40 % for Q1FY27 as against 55.30 % Q1FY26 by 10 bps.
➢ Cost of Deposit has improved to 4.60% from 4.93% (Annualised).
➢ Net Profit increased by 13.26 % to Rs 1324 crore on YoY basis against Rs 1169 crore for the quarter ended 30/06/2025.
➢ Operating Profit for the FY stood at Rs 2186 crores from Rs 2304 crores, with a slight dip.
➢ ROA (Return on Asset) is 1.00%.
➢ ROE (Return on Equity) improved to 14.92% from 14.17%.
Business Highlights-
➢ Total Global Business grew by 18.29% to Rs 833320 crore (Q1FY-26 - Rs 704485 crore).
➢ Total Deposits increased by 11.68% to Rs 478972 crore (Q1FY-26 - Rs 428890 crore).
➢ CASA Deposits stand at 46.61% of total deposits.
➢ Gross Global Advance increased by 28.58% to Rs 354348 crore (Q1FY-26 - Rs 275595 crore).
➢ Gross NPA stood at 2.60%, registering an improvement of 53 bps.
➢ Net NPA stood 0.49%, maintaining stability.
➢ Business per Employee has improved to Rs 24.40 crore on YoY basis, against Rs 21.07
crore for the quarter ended 30/06/2025.
➢ RAM (Retail, Agriculture & MSME) Business grew by 21.38%. The individual sector
wise growth stood at 23.92% (Rs 105523), 21.14% (Rs 64274) & 18.03% (Rs 71308),
respectively for Retail, Agriculture & MSME.
Asset Quality-
➢ Gross NPA improved to 2.60% as on 30.06.26, registering an improvement of 53 bps, from 3.13% as on 30.06.25.
➢ Net NPA stable at 0.49% as on 30.06.2026.
➢ Provision Coverage Ratio stood at 95.86%.
➢ Credit Cost 0.40% for the quarter ended 30/06/26, as against 0.68% for the quarter ended 30/06/2025
Capital Adequacy-
➢ Total BASEL III CRAR for the quarter ended 30/06/26 is 18.28 % (with Tier I of 16.54%) as against 17.66 % for the quarter ended 30/06/25, registering an increase of 92 bps.
Branch Segmentation-
➢ Bank is having pan India presence with total 22346 Touch Points, with 4605 Branches, with network of Branches in rural & semi urban areas (66.31%) & 1 IFSC Banking Unit, 3820 ATMs and 13890 BC outlets & 30 BC Maxx Centres as on 30/06/2026.
