FINANCIAL SERVICES · NSE/BSE: CENTRALBK

Central Bank of India Earnings Summary — Q2 FY2027

Sentiment: Positive

AI-generated summary

Generated 2026-10-22

Business Intelligence Report

Central Bank of India Q2 FY2027 results: Profit up +20.6% YoY; revenue grew +18.4% YoY; OPM 63.1%.

Quarterly Business Intelligence

Q2 FY2027

Financials from Financial Intelligence · data as of 2026-09-30

Revenue

₹10,394 Cr

QoQ +6.9%YoY +18.4%

Net Profit

₹1,486 Cr

QoQ +12.3%YoY +20.6%

Operating Profit

₹6,561 Cr

QoQ -0.5%YoY +19.6%

Operating Margin

63.1%

QoQ -470 bpsYoY +63 bps

AI Quarterly Scorecard™

/ 100

Strong

Revenue Momentum85

Profit Growth92

Margin Expansion78

Growth Consistency85

Operating Efficiency56

Financial Stability61

Computed deterministically from the last 10 reported quarters.

Quarterly Business Momentum

Revenue & Growth

Revenue has increased for 6 consecutive quarters.
Revenue of ₹10,394 Cr is 18.4% higher year-on-year.
Revenue has compounded at 10.1% annualised over the last 10 quarters.
Revenue is at its highest level in 10 quarters.

Profitability

Net profit has reached its highest level in 10 quarters.
Net profit of ₹1,486 Cr is 20.6% above the same quarter last year.
Profit growth is outpacing revenue growth, pointing to positive operating leverage.
Net profit has compounded at 22.4% annualised across the period.

Margins

Operating margin stands at 63.1% in Q2 FY2027.
Operating margin expanded by 63 bps year-on-year.
Over the last two years operating margin has expanded by 563 bps.
PBT margin is 16.5%.

Operating Efficiency

Expense growth of 16.5% remained below revenue growth of 18.4%.
Operating profit of ₹6,561 Cr is 19.6% higher year-on-year.
Operating leverage has been under pressure recently.

Overall Momentum

6 of the last 6 measured quarters delivered year-on-year revenue growth.
Overall quarterly business momentum scores 76/100 (Strong) on the latest 10 quarters.
Business momentum remains positive heading into the next quarter.

Quarterly Financials

Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %

Metric	Trend	Latest Q2 FY2027	Q1 FY2027	Q4 FY2026	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025
Revenue	Stable	10,394	9,726	9,698	9,070	8,777	8,623	8,653	8,542	8,235	8,367
Expenses	Stable	3,833	3,129	3,573	3,853	3,291	3,381	3,968	3,373	3,500	3,920
Operating Profit	Improving	6,561	6,597	6,125	5,217	5,485	5,243	4,685	5,169	4,735	4,447
Operating Margin	Stable	63.1%	67.8%	63.1%	57.5%	62.5%	60.8%	54.1%	60.5%	57.5%	53.1%
Other Income	Improving	1,380	988	1,161	1,927	1,470	1,857	1,723	1,232	1,649	1,166
Interest	Stable	6,227	5,794	5,677	5,552	5,476	5,222	5,238	4,984	4,807	4,801
Depreciation	Insufficient data	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	Improving	1,715	1,791	1,609	1,592	1,479	1,878	1,171	1,418	1,578	812
Tax	Volatile	240	462	871	327	260	617	129	450	657	-75
Net Profit	Improving	1,486	1,323	746	1,264	1,232	1,282	1,105	963	924	942
Net Margin	Improving	14.3%	13.6%	7.7%	13.9%	14.0%	14.9%	12.8%	11.3%	11.2%	11.3%

Source: Financial Intelligence (Structured Quarterly Data)•Latest Quarter: Q2 FY2027•Figures in ₹ Crore • Margins in %•Automatically updated from Financial Intelligence · 2026-09-30

Key Takeaways

Profit up +20.6% YoY; revenue grew +18.4% YoY; OPM 63.1%.

Official Quarterly Documents

Earnings Press Release

Official quarterly earnings release published by the company.

Press Release not available.

Earnings Call Transcript

Management discussion and analyst Q&A.

This summary is AI-generated from Central Bank of India's latest quarterly filing and earnings call. For informational purposes only — not investment advice.