Central Bank of India Reports 31.70% Increase in Q3 Net Profit
Filing Summary
Central Bank of India released its financial results for the third quarter ending December 31, 2025. The bank reported a 31.70% increase in net profit, reaching ₹1263 crore compared to ₹959 crore in the same period last year. Total business grew by 15.77% to ₹774106 crore, with deposits rising by 13.24% to ₹450575 crore. Gross advances increased by 19.48% to ₹323531 crore. The bank’s asset quality improved, with Gross NPA reduced to 2.70% from 3.86%. The Provision Coverage Ratio improved to 96.69%. The Cost to Income ratio stood at 57.84%.
Central Bank of India has announced its financial results for the third quarter ending December 31, 2025. The bank reported a net profit of ₹1263 crore, marking a 31.70% increase from ₹959 crore in the corresponding quarter of the previous year. Total business grew by 15.77%, reaching ₹774106 crore, while total deposits increased by 13.24% to ₹450575 crore. Gross advances rose by 19.48% to ₹323531 crore.
The bank’s financial performance showed notable improvements. The Net Interest Income for the quarter stood at ₹3502 crore. The Net Interest Margin was recorded at 2.96%. The Operating Profit increased by 16.76% to ₹2292 crore from ₹1963 crore. The Total Income, comprising interest and non-interest income, rose by 12.62% to ₹10968 crore from ₹9739 crore in the previous year. The Cost to Income ratio improved to 57.84%, reflecting a 99 basis points improvement.
In terms of asset quality, the Gross NPA ratio improved to 2.70% from 3.86%, while the Net NPA ratio decreased to 0.45% from 0.59%. The Provision Coverage Ratio increased to 96.69% from 96.54%. The bank’s Return on Assets improved to 1.01% from 0.87%, and the Return on Equity increased to 14.47% from 12.85%. The CRAR under Basel III stood at 16.13%, with Tier I capital at 13.87%.
The bank’s Retail, Agriculture, and MSME (RAM) business grew by 17.89%. Specifically, the retail sector saw a growth of 20.93%, agriculture by 15.41%, and MSME by 15.90%. The bank’s business per employee improved to ₹22.65 crore from ₹19.95 crore year-on-year.
Central Bank of India operates with a pan-India presence, comprising 21817 touchpoints, including 4567 branches, 4111 ATMs, and 13099 BC Points as of December 31, 2025. The bank’s network in rural and semi-urban areas accounts for 65.22% of its branches.
Central Bank of India focuses on expanding its business operations across various sectors, including retail, agriculture, and MSME. The bank aims to enhance its asset quality and maintain a strong capital adequacy ratio. It continues to leverage its extensive branch network to increase its market presence and customer base.