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Central Bank of India

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Central Bank of India Q4 FY25 earnings call: Revenue & Margins

Q4 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

Central Bank of India targets a total business growth of around 14% for FY26. The bank targets a 14% top-line growth and 15%-16% advances growth for FY '26, with deposit growth projected at 12%-13%.

From Central Bank of India's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Central Bank of India targets a total business growth of around 14% for FY26.
  • Advances (loans) are expected to grow by 15% to 16%.
  • Deposit growth is targeted at 12% to 13%, with CASA maintained around 48% (±1%).
  • Retail loans including housing, vehicle, agriculture, and MSME segments anticipate sustained 18% to 20% growth.
  • Credit growth outlook remains robust with expectations of 14% to 16% growth in advances.
  • The bank plans to expand its footprint through low-cost BC MAXX centers in 500 pin code areas lacking physical branches, targeting a 3-month breakeven.
  • Technological investments of INR300-500 crores are planned to support digital transformation and wealth management services.

2 more points management made on revenue & sales performance

Profitability & Margins

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

Capital Expenditure Plans

  • The bank is open to funding capital expenditure (capex) where required, especially if there is business potential (Page 9).
  • Focus is on expanding via BC MAXX centers, a low-cost digital hybrid model combining physical branches and business correspondents (Pages 7-9).
  • Identified about 500 pin code centers for new BC MAXX centers rollout; pilot in 25 centers is successful, with plans to expand to 250 centers within the first half of the year (Page 7).

2 more points management made on capital expenditure plans

Top-ranked in Banks

Ranked on what management guided this quarter

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1AU Small Finance
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2IDFC First Bank
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3
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4
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5
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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 document provided 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 highlights of Q4 FY'25 and FY'25. - Growth in advances, deposits, CASA ratio, credit risk, and treasury operations. - Recovery from NPAs, provisioning, and NIM outlook.

2 more points management made on order book & pipeline

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Frequently Asked Questions

What were Central Bank of India Q4 FY25 results?

Central Bank of India targets a total business growth of around 14% for FY26. The bank targets a 14% top-line growth and 15%-16% advances growth for FY '26, with deposit growth projected at 12%-13%.

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 is open to funding capital expenditure (capex) where required, especially if there is business potential (Page 9).

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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.