Guidance ledger · Q4 FY26

Central Bank of India CENTRALBK

3 revisions on record · 1 lowered · 1 raised — the strikethrough is what management used to say

mixed guidance posture · shifted across quarters

Holding view → · latest concall · The pulse

↓ lowered NIM Q1 FY26 → Q4 FY26

~~Above 3%~~ → Above 3% (2.5-2.6% sector reality)

“We have given direction that we are going to remain above 3%”

↔ widened Slippage ratio Q3 FY26 → Q4 FY26

~~Less than 0.35% per quarter~~ → Less than 1% per year

“for next year, we have given guidance that we are going to keep it less than 1%”

↑ raised ECL total provision estimate Q2 FY26 → Q4 FY26

~~Rs. 3,300-3,500 cr~~ → Rs. 4,000 cr (Rs. 1,525 cr provided)

“our back of the envelope kind of a calculation for ECL impact was always around INR4,000 crores, which is very conservative. Out of that INR1,525 crores, we have already built up”

Method. Revisions come from management's own stated numbers, compared quarter over quarter across the covered concalls; each carries the verbatim quote. “No revisions” can also mean guidance too vague to pin down — see the posture chip above. Not investment advice.