Transcript of Bank''s Conference/Earnings call held on 30th April, 2026

Central Bank of India reported Q4 FY '26 results with total business crossing INR812,439 crore (up 15.6% YoY) and gross advances at INR344,516 crore (up 18.76%). Credit growth guidance for FY '27 is 14%-16% and deposit growth 10%-12%. NIM stands at 3.07% with management committing to maintain above 3%. Net profit for full year rose 15.43% to INR4,369 crore, though Q4 net profit declined to INR724 crore due to a one-time INR632 crore deferred tax asset impact. Asset quality improved with gross NPA at 2.67% (down 51 bps) and slippage ratio contained at 1.16% (guidance for FY '27: below 1%). Management highlighted focus on RAM (retail, agriculture, MSME) segments contributing 68% of the book. ECL migration impact estimated at INR4,000 crore with INR1,525 crore already built; transition expected without material profitability impact as INR600-800 crore annual benefit from new tax regime will offset additional provisions. Capital position remains robust with CRAR at 17.91% (Tier 1: 15.61%). Recovery from written-off accounts targeted at INR2,200-2,500 crore for the year. Treasury income was INR9 crore this quarter vs INR300+ crore last quarter due to yield volatility; however, management expects improvement going forward.