Quarter Ended: March 2026
Central Bank of India – Q4 FY26 Results
NSE
centralbk
BSE
532885
YoY performance strong, but QoQ decline in profitability and margins needs attention
key financial highlights
- Revenue from Operations:
- Total Income (Q4 FY26): ₹10,85,911 Lakhs
- QoQ Change: -1.26%
- YoY Change: +4.65%
- Previous Quarter (Q3 FY26): ₹10,99,736 Lakhs
- Previous Year (Q4 FY25): ₹10,37,675 Lakhs
- Total Income (Q4 FY26): ₹10,85,911 Lakhs
- Profit After Tax (PAT):
- PAT (Q4 FY26): ₹74,572 Lakhs
- QoQ Change: -41.01%
- YoY Change: -32.49%
- Previous Quarter (Q3 FY26): ₹1,26,429 Lakhs
- Previous Year (Q4 FY25): ₹1,10,458 Lakhs
- PAT (Q4 FY26): ₹74,572 Lakhs
- QoQ Performance
- Revenue Trend: Slight Decline
- Profit Trend: Sharp Decline
Margin Analysis
Drivers:
- Higher provisions vs previous quarter
- Moderation in operating profit
- Stable cost structure
Insight:
- Margin compression QoQ → credit cost impact visible
Segment performance
Revenue Mix (FY26)
- Retail Banking: ₹18,60,238 Lakhs
- Treasury Operations: ₹13,55,683 Lakhs
- Wholesale Banking: ₹9,83,145 Lakhs
Observation
- Retail banking is the largest contributor (~44%)
- Treasury remains significant earnings driver
Segment insight
Key Insight:
- Balanced mix of Retail + Treasury + Corporate banking
Business Nature:
- PSU bank → interest income driven
- Sensitive to:
- Interest rate cycles
- Asset quality (NPAs)
Earning quality check
Drivers:
- Core income stable
- Profit impacted by provisioning swings
Interpretations:
- Earnings quality is moderate, dependent on credit cost normalization
balance sheet Analysis
Key Numbers:
- Total Assets: ₹55,10,791 Cr
- Capital Employed: ₹3,90,011 Cr
Asset Quality:
- Gross NPA: ₹9,25,851 Lakhs
- Net NPA: ₹1,70,828 Lakhs
Ratios:
- Gross NPA %: 2.67%
- Net NPA %: 0.50%
Insight:
- Asset quality improving vs past years
- Still provisioning-sensitive
Cash flow analysis
Operating Cash Flow: ₹2,803.98 Cr
Investing Cash Flow: ₹453.86 Cr
Financing Cash Flow: (₹712.82 Cr)
Insight:
- Positive operating cash flow (good sign)
- Dividend payout impacting financing
key risks
- High sensitivity to provisioning cycles
- PSU bank → policy & governance influence
- Interest rate volatility
- NPA slippages
management strategy signals
Focus Area:
- Strengthening retail loan book
- Improving asset quality
- Controlled credit growth
Financial metrics table
| Particular | Q4 FY26 | Q.O.Q | Y.O.Y |
|---|---|---|---|
| Total Income | ₹10,859 Cr | -1.26% | +4.65% |
| Operating Profit | ₹2,114 Cr | -7.95% | +4.83% |
| PAT | ₹745.72 Cr | -41.01% | -32.49% |
Central Bank delivered stable revenue but weak profitability this quarter, primarily due to higher provisioning impact. Long-term story intact with improving asset quality, but short-term momentum is weak
Official Exchange Filing: Central Bank of India
FISCAL YEAR
2025-2026
AUDIT STATUS
REVIEWED