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Central Bank of India

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Central Bank of India Q3 FY25 earnings call: Revenue & Margins

Q3 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹31
Market cap₹28.3K Cr
P/E6.2
Updated23 Aug 2026
Read4 min read

The short version

Business growth expected at 10%-12% as per guidance given in April 2024. The bank anticipates net profit growth of approximately INR1,200 to INR1,500 crores over the next 3 to 4 years primarily from recovery in write-offs (4-5% recovery rate).

From Central Bank of India's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Business growth expected at 10%-12% as per guidance given in April 2024.
  • Advances growth anticipated in the range of 14%-15%.
  • Deposit growth targets set between 8%-10%.
  • Corporate credit growth shows signs of revival with increased sanctions this quarter; corporate credit reached INR81,476 crores.
  • Retail segment and housing loans are growing steadily; housing loan portfolio growing at about 19.8%.
  • CASA deposits maintained at 49%, with strong presence in rural and semi-urban areas contributing.
  • Growth rates in sectors like gold loans and personal loans expected to remain stable without major challenges.

2 more points from Central Bank of India's call on revenue

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Profitability & Margins

See what Central Bank of India said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • The Bank has made significant investments in IT, around INR 800 crores planned over 5 years for creating a new digital platform and a super app with 200+ services.
  • Development of the super app has taken about 18 months so far and continues.
  • Investment in IT aims to enhance business via digital transformation and improve service offerings for both consumer and corporate banking.
  • No explicit mention of other capital expenditure or strategic investments like acquisitions or joint ventures, except for a pending insurance subsidiary acquisition expected to be unveiled by February 2025.

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Central Bank of India said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript and information in the provided pages do not mention any details about the current or expected order book or pending orders for Central Bank of India. The discussion primarily focuses on financial performance, credit growth, deposit trends, asset quality, treasury outlook, loan portfolio, provisioning, and capital adequacy. There is no reference to order book or pending orders in the context of the bank's operations or financials.

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What Central Bank of India's management said in earlier quarters

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Frequently Asked Questions

What were Central Bank of India Q3 FY25 results?

Business growth expected at 10%-12% as per guidance given in April 2024. The bank anticipates net profit growth of approximately INR1,200 to INR1,500 crores over the next 3 to 4 years primarily from recovery in write-offs (4-5% recovery rate).

What is Central Bank of India share price analysis?

Central Bank of India currently shows a neutral. The stock trades at a P/E of 6.2 with a market cap of ₹28,322 Cr. Investors should review the full earnings analysis for detailed insights.

Is Central Bank of India planning capital expenditure?

The Bank has made significant investments in IT, around INR 800 crores planned over 5 years for creating a new digital platform and a super app with 200+ services.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.