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![_Investor_Feed_ Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1825090112713285632.png) Investor Feed [@_Investor_Feed_](/creator/twitter/_Investor_Feed_) on x 6237 followers
Created: 2025-07-28 10:57:05 UTC

Central Bank of India’s Growth Trajectory: Key Financial Highlights & Future Plans 📈 | MCap XXXXXXXXX Cr

- Loan growth target of 14%-16% for FY'26.
- Transition to lower tax regime by Q4 FY'26, adding 9-10 bps to ROA.
- CRAR at 17.66%, Tier X capital at 15.48%.
- ECL provisions: ₹250 crore (Q4), ₹1,000 crore (annual).
- Digital initiatives (BC MAXX, omni-channel) boosting CASA growth.
- Treasury income strong, benefiting from potential rate cuts.
- Total business up XXXXX% to ₹7.04 lakh crore; deposits up XXXXX% to ₹4.28 lakh crore.
- CASA deposits grew XXXX% to ₹2.52 lakh crore (CASA ratio: 46.88%).
- Gross advances up 9.97%; RAM portfolio up 15.71%.
- Operating profit rose XXXXX% to ₹2,304 crore.
- Recovery from written-off accounts: ₹613 crore (Q4).
- ROA at XXXX% (vs. XXXX% in June 2024); ROE at XXXXX% (vs. XXXXX% last year).
- NIM at 3.16%; cost-to-income ratio improved to XXXXX% (from 57.71%).
- Gross NPA down to 3.13%; Net NPA at 0.49%.
- Slippage ratio: 0.35%; credit cost: 0.68%.
- JV agreements with Generali for life & non-life insurance (launching soon).

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**Related Topics**
[roa](/topic/roa)
[tax bracket](/topic/tax-bracket)
[mcap](/topic/mcap)
[bank of](/topic/bank-of)
[investment](/topic/investment)

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