19-Oct-2026 13:17:49
CENTRAL BANK OF INDIA Q2 FY27 : NIM ABOVE 3% GUIDANCE, STRONG LOAN GROWTH & GOLD LOAN EXPANSION PLANNED
• NIM GUIDANCE MAINTAINED ABOVE 3%; MANAGEMENT SEES SCOPE FOR MARGIN IMPROVEMENT FROM Q3 FY27 • CREDIT COST GUIDANCE MAINTAINED AT UP TO 0.75% FOR FY27 & FY28 • ROA EXPECTED TO REMAIN ABOVE 1% • GOLD LOAN EXPANSION PLANNED WITH 116 SPECIALIZED BRANCHES & 30-MINUTE LOAN PROCESSING TARGET • CORPORATE LOAN PIPELINE AT APPROXIMATELY ₹24,000 CR; STRONG LENDING MOMENTUM EXPECTED TO CONTINUE • WRITTEN-OFF ACCOUNT RECOVERIES EXPECTED TO EXCEED ₹2,500 CR IN FY27 • POTENTIAL ₹700 CR AVIATION ACCOUNT RECOVERY IN Q3–Q4 FY27 • GROSS NPA TARGET BELOW 2.50%; QUARTERLY SLIPPAGE RATIO BELOW 0.25% • COST-TO-INCOME RATIO TARGETED BELOW 56% • CREDIT CARD BUSINESS LAUNCH PLANNED FOR JUNE 2027 • ECL PROVISION REQUIREMENT ESTIMATED AT ₹5,000–5,500 CR; ₹1,525 CR ALREADY PROVIDED • CASA RATIO BELOW EARLIER GUIDANCE; TREASURY INCOME EXPECTED TO REMAIN UNDER PRESSURE
CENTRAL BANK OF INDIA