Net Interest Income grew by 20.91 % to Rs8060 crore for the Half year ended September 2026, on YoY basis as against Rs6666 crore.
FinTech BizNews Service
Mumbai, 17 October, 2026: Central Bank of India has declared its half yearly and Q2 FY26-27 results.
RESULTS AT A GLANCE (Including IFSC Banking Unit) –
BUSINESS-
➢ Total Global Business grew by 20.54% to Rs 889541 crore (Q2FY-26 - Rs 737938 crore).
➢ Total Domestic Deposits increased by 14.41% to Rs 508509 crore (Q2FY-26 - Rs 444450 crore). ➢ CASA Deposits stand at 44.65% of total deposits.
➢ Global Advances increased by 29.83% to Rs 381032 crore (Q2FY-26 - Rs 293488 crore). o Domestic Advance stood at Rs 372939 crore. o Overseas Advance (Gift City- IBU) stood at Rs 8093 crore.
➢ Business per Employee has improved to Rs 25.26 crore on YoY basis, as against Rs 21.48 crore for the quarter ended 30/09/2025.
➢ RAM (Retail, Agriculture & MSME) Business grew by 21.11%. The individual sector wise growth stood at 24.49% (Rs 112299), 19.92% (Rs 67778) & 17.36% (Rs 74196), respectively for Retail, Agriculture & MSME. PROFITABILITY – (Y-O-Y)- FOR SEPTEMBER QUARTER-
➢ Net Profit for the Quarter has increased by 21.10% to Rs 1469 crore from Rs 1213 crore. ➢ Operating Profit for the Quarter stood at Rs 2268 crore from Rs 1786 crore, with a growth of 26.9%. ➢ Net Interest Income (NII) grew by 26.28 % on YoY basis to Rs 4146 crore in Q2FY27 as against Rs 3283 crore in Q2FY26.
➢ Total Income (Interest Income plus Non-Interest Income) for Q2FY27 improved by 14.92 % from Rs 10213 crore for Q2FY26 to Rs 11737 crore for Q2FY27.
➢ Cost to Income ratio reduced to 58.95 % for Q2FY27 as against 62.42 % Q2FY26
PROFITABILITY – (Y-O-Y)- FOR SEPTEMBER HALF YEAR-
➢ Net Profit increased by 17.25 % to Rs 2793 crore for the Half year ended September 2026 on YoY basis against Rs 2382 crore.
➢ Operating Profit for the Half Year stood at Rs 4454 crore as against Rs 4090 crore, registering a growth of 8.90%.
➢ Net Interest Income grew by 20.91 % to Rs 8060 crore for the Half year ended September 2026, on YoY basis as against Rs 6666 crore.
➢ ROA (Return on Asset) remained stable at 1.02%.
➢ ROE (Return on Equity) improved to 15.50% from 14.24%.
PROFITABILITY – Q2 over Q1- FY 2026-27
➢ Net Profit grew by 10.95% (Rs 145 crore) to Rs 1469 crore.
➢ Operating Profit grew by 3.75% (Rs 82 crore) to Rs 2268 crore.
➢ Net Interest Income grew by 5.93% (Rs 232 crore) to Rs 4146 crore.
➢ Interest Income grew by 6.87% (Rs 666 crore) to Rs 10357 crore.
➢ ROA improved by 3 bps & stood at 1.03%. ASSET QUALITY- ➢ Gross NPA stood at 2.39%, registering an improvement of 62 bps, from 3.01%, when compared on Y-o-Y basis.
➢ Net NPA stood 0.31%, registering an improvement of 17 bps, from 0.48%, when compared on Y-o-Y basis.
➢ Provision Coverage Ratio stood at 97.16%, registering a growth of 28 bps, from 96.88%, when compared on Y-o-Y basis.
➢ Slippage Ratio stood at 0.24% for Quarter & 0.45% for the Half Year, registering an improvement of 6 bps / 11 bps, respectively.
BRANCH SEGMENTATION
➢ Bank is having pan India presence with total 22215 Touch Points, (85% of touchpoints in RU/SU centres) with 4622 Branches, with network of Branches in rural & semi urban areas (65.24%) & 1 IFSC Banking Unit, 3820 ATMs and 13752 BC outlets & 20 BC Maxx Centres as on 30/09/2026.
CAPITAL ADEQUACY
➢ Total BASEL III CRAR for the Quarter / Half Year ended 30/09/26 is 17.68% (with Tier I of 15.97 %) as against 17.34 % for the quarter / Half Year ended 30/09/25, registering an improvement of 34 bps.
