Central Bank of India has announced provisional business figures for Q4FY26, showcasing strong growth momentum across all major business parameters. The bank reported these figures in compliance with SEBI regulations on fair disclosure of unpublished price sensitive information.

Strong Business Growth Performance

The bank's total business reached ₹812814 crore in Q4FY26, marking a significant 15.65% year-on-year growth from ₹702798 crore in Q4FY25. Quarter-on-quarter, the total business expanded by 5.00% from ₹774106 crore in Q3FY26.

Deposit Portfolio Expansion

Total deposits grew substantially to ₹467885 crore in Q4FY26, representing a 13.37% increase from ₹412697 crore in the corresponding quarter of the previous year. The sequential growth was 3.84% from Q3FY26 levels of ₹450575 crore.

CASA deposits, comprising current and savings accounts, reached ₹220886 crore with a year-on-year growth of 9.80%. The CASA ratio stood at 47.31% in Q4FY26, compared to 48.91% in Q4FY25, indicating a decline of 160 basis points year-on-year but an improvement of 18 basis points quarter-on-quarter.

Advances Portfolio Performance

Gross advances demonstrated robust growth, increasing 18.90% year-on-year to ₹344929 crore from ₹290101 crore in Q4FY25. The quarter-on-quarter growth was 6.61% from ₹323531 crore in Q3FY26.

Credit-to-Deposit Ratio Improvement

The bank's credit-to-deposit ratio improved to 73.88% in Q4FY26, up from 70.53% in Q4FY25, marking an increase of 335 basis points year-on-year. Quarter-on-quarter, the ratio rose by 188 basis points from 72.00% in Q3FY26.

These provisional figures are subject to audit by the bank's statutory central auditors. The disclosure was made in accordance with SEBI LODR Regulations, 2015 and the bank's code of practices for fair disclosure of unpublished price sensitive information.

Central Bank of India has notified the stock exchanges about amendments to its Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information (UPSI) pursuant to Regulation 8(2) of SEBI (Prohibition of Insider Trading) Regulation 2015. The notification was issued by Company Secretary and Compliance Officer Chandrakant Bhagwat on April 2, 2026.

Regulatory Framework and Compliance

The amended code is based on the Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations, 2015, as modified by the SEBI (Prohibition of Insider Trading) (Amendment) Regulations, 2025. As a listed banking entity constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act 1970, Central Bank of India must comply with SEBI regulations governing insider trading prevention.

Designated Persons and Applicability

The code applies to designated persons and their immediate relatives, connected persons, and insiders. The designated persons include:

• All Directors on the Board of the Bank
• All General Managers and Functional In-charges in Head Office & All Zonal Heads
• All Deputy General Managers of the Bank
• Employees in MD & CEO Secretariat, EDs' Secretariats & Board Secretariat
• Staff in Finance & Accounts, Central Audit & Inspection, Investors Relations, Risk Management, Integrated Treasury, and Planning departments

Trading Window and Restrictions

The updated code establishes specific trading window provisions:

Communication and Procurement Guidelines

The code mandates that UPSI shall be handled on a "need to know" basis, with insiders required to maintain confidentiality. Chinese Wall procedures separate inside areas with access to confidential information from public areas. The Board of Directors must maintain a structured digital database containing names of persons with whom UPSI is shared, preserved for at least eight years after transaction completion.

Reporting and Disclosure Requirements

Designated persons must make initial disclosures within seven days of appointment and continual disclosures within two trading days of transactions exceeding ten lakh rupees in traded value per calendar quarter. The Compliance Officer submits annual compliance reports to the Audit Committee and notifies stock exchanges of any contraventions.

Penalties and Enforcement

Violations may result in disciplinary action including wage freeze, suspension, or ineligibility for employee stock option plans. SEBI penalties for insider trading range from ten lakh rupees to twenty-five crore rupees or three times the profits made, whichever is higher.

The complete amended code is available on the bank's investor relations website and includes detailed forms for disclosure, pre-clearance applications, and trading plan submissions.