Central Bank of India Q2 FY27 Results Explained
In Q2 FY27 (July–September 2026), Central Bank of India reported a net profit of ₹1,469 crore, up 21.1% from a year earlier. Gross NPA was 2.39% of loans (#10 of 12 PSU banks, lowest first), CASA ratio 44.6%, net interest margin 3.01% and capital adequacy 17.68%. On BankersClub's PSU Bank Scorecard it ranks #8 of 12 overall this quarter.
Open Central in the interactive scorecard Compare Central with another bank
Central report card, Q2 FY27
Graded against the other 11 public sector banks this quarter.
Key numbers
| Measure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 | PSU median |
|---|---|---|---|---|
| Business growth (YoY) | 20.5% | – | #4 | 16.6% |
| CASA ratio | 44.6% | down 218 bps | #2 | 36.8% |
| Net interest margin | 3.01% | up 12 bps | #4 | 2.97% |
| Cost-to-income | 59.0% | down 346 bps | #11 | 47.9% |
| Return on assets | 1.03% | up 2 bps | #9 | 1.12% |
| Gross NPA | 2.39% | down 62 bps | #10 | 1.69% |
| Net NPA | 0.31% | down 17 bps | #7 | 0.30% |
| Provision coverage (excl. TWO) | 87.4% | up 287 bps | #4 | 82.9% |
| Capital adequacy (CRAR) | 17.68% | up 34 bps | #7 | 17.73% |
| Credit cost | 0.59% | up 16 bps | #7 | 0.55% |
| Business per employee | ₹26.2 crore | – | #11 | ₹34.4 crore |
| Profit per employee | ₹17.3 lakh | – | #9 | ₹25.3 lakh |
Size of the bank
| Figure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 |
|---|---|---|---|
| Total business | ₹8.90 lakh crore | up 20.5% | #8 |
| Deposits | ₹5.09 lakh crore | up 14.4% | #8 |
| Advances | ₹3.81 lakh crore | up 29.8% | #8 |
| Gross NPA amount | ₹9,109 crore | up 3.2% | #5 |
| Operating profit | ₹2,268 crore | up 27.0% | #10 |
| Net profit | ₹1,469 crore | up 21.1% | #10 |
The quarter at a glance
What went right
- Gross NPA down 62 bps from a year ago to 2.39%, now #10 of 12.
- Net NPA down 17 bps from a year ago to 0.31%, now #7 of 12.
- Cost-to-income down 346 bps from a year ago to 59.0%, now #11 of 12.
What went wrong
- CASA ratio down 218 bps from a year ago to 44.6%, now #2 of 12.
- Credit cost up 16 bps from a year ago to 0.59%, now #7 of 12.
Loan book and deposits
Bar = share of advances or deposits. Growth is against Q2 FY26. Advances are domestic; shares are of the sum of segments. Banks report segments slightly differently; see the methodology.
Quarter by quarter
| Measure | Q2 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Net profit | ₹1,213 crore | ₹1,324 crore | ₹1,469 crore |
| Operating profit | ₹1,786 crore | ₹2,186 crore | ₹2,268 crore |
| Gross NPA | 3.01% | 2.60% | 2.39% |
| Net NPA | 0.48% | 0.49% | 0.31% |
| Net interest margin | 2.89% | – | 3.01% |
| Return on assets | 1.01% | – | 1.03% |
| CASA ratio | 46.8% | – | 44.6% |
| Capital adequacy (CRAR) | 17.34% | 18.28% | 17.68% |
| Cost-to-income | 62.4% | 55.4% | 59.0% |
Compare with similar-sized banks
- Indian Overseas Bank (#2 overall)
- Bank of Maharashtra (#1 overall)
- UCO Bank (#6 overall)
- Punjab & Sind Bank (#12 overall)
Source and method
Standalone figures from Central Bank of India’s own Q2 FY27 filing (Central Bank analyst presentation FY2026-27 Q2 (NSE)), checked against the bank’s reported ratios. Ratios are recalculated the same way for all 12 banks where the filing allows. How the scorecard works. Not investment advice.
Last updated 12 November 2026.
Frequently asked questions
What was Central Bank of India's net profit in Q2 FY27?
Central Bank of India reported a standalone net profit of ₹1,469 crore in Q2 FY27 (July–September 2026), up 21.1% from Q2 FY26.
What is Central Bank of India's gross NPA ratio?
Gross NPA was 2.39% of loans at the end of Q2 FY27, ranking #10 of 12 public sector banks (lowest first). Net NPA was 0.31%.
How does Central Bank of India rank among public sector banks?
On BankersClub's PSU Bank Scorecard, Central Bank of India ranks #8 of 12 overall in Q2 FY27, based on growth, return on assets, gross NPA, capital adequacy, CASA ratio and cost-to-income.
What is Central Bank of India's CASA ratio?
Central Bank of India's CASA ratio was 44.6% in Q2 FY27, #2 of 12 public sector banks.
Where does this data come from?
From Central Bank of India's own Q2 FY27 results filing, using standalone figures. Every ratio is recalculated the same way for all 12 public sector banks where the filing allows.