https://indianmasterminds.com

ADVERTISEMENT
ADVERTISEMENT

Q1 FY26: Central Bank of India Sets Growth Momentum with 32.84% Profit Rise and Across Deposits, and Advances

Central Bank of India reports 32.84% rise in Q1 FY26 net profit, backed by strong growth in business and asset quality improvement.
Indian Masterminds Stories

Mumbai – Central Bank of India has announced an impressive set of financial results for the first quarter of FY 2025–26, reporting a 32.84% rise in net profit, which stood at ₹1169 crore—up from ₹880 crore in the same quarter last year.

This robust performance highlights the bank’s steady operational momentum, supported by rising business volumes, improved asset quality, and enhanced profitability indicators.

Business Growth Across the Board

The bank’s total business grew by 10.84% year-on-year, reaching ₹7,04,485 crore, compared to ₹6,35,564 crore in Q1 of FY25.

  • Total deposits rose by 11.41% to ₹4,28,890 crore.
  • CASA deposits grew by ₹11,659 crore to ₹2,00,522 crore, accounting for 46.88% of total deposits, and posting a 6.17% increase year-on-year.
  • Gross advances expanded by 9.97%, reaching ₹2,75,595 crore from ₹2,50,615 crore.

The bank’s strong retail thrust was evident in its RAM (Retail, Agriculture, MSME) segment, which recorded 15.71% year-on-year growth:

  • Retail: ₹85,156 crore (up 17.51%)
  • Agriculture: ₹53,057 crore (up 12.70%)
  • MSME: ₹60,416 crore (up 15.94%)

Also Read: Union Bank of India Reports 11.87% YoY Rise in Q1 FY26 Net Profit- Check Details

Asset Quality and Profitability on the Rise

Central Bank of India continued to strengthen its asset quality:

  • Gross NPA fell to 3.13%, down 141 basis points from 4.54%.
  • Net NPA improved to 0.49%, a 24 bps improvement over the previous year.
  • Provision Coverage Ratio (PCR) rose to 97.02%, compared to 96.17% last year.
  • The bank’s operating profit rose by 15.60%, reaching ₹2,304 crore. Net Interest Income (NII) stood at ₹3,383 crore for the quarter.

Key profitability metrics showed notable growth:

  • Return on Assets (ROA) improved to 1.02%, up from 0.82%.
  • Return on Equity (ROE) increased to 14.17%, up from 12.60%.
  • Cost to Income ratio improved to 55.43%, compared to 57.71% in June 2024.

Capital Adequacy and Operational Efficiency

The bank reported a strong CRAR of 17.66% under BASEL III norms, with Tier I capital at 15.48%, reflecting a 198 bps year-on-year improvement.

In terms of operational scale, business per employee rose to ₹21.07 crore, up from ₹20.31 crore a year ago. The bank’s vast presence spans 21,015 touchpoints, including:

  • 4,552 branches
  • 4,115 ATMs
  • 12,323 Business Correspondent (BC) points

These numbers reflect the bank’s growing footprint and commitment to inclusive banking across India.

About Central Bank of India

Central Bank of India is one of the oldest and most trusted public sector banks in the country. With a strong national presence and a deep focus on financial inclusion, the bank continues to serve millions through its extensive network of branches, ATMs, and BC points. Backed by a legacy of integrity and innovation, Central Bank of India plays a crucial role in India’s banking sector and economic development.

Also Read: LIC Ties Up with AU Bank to Boost Life Insurance Access Across India – Details Inside


Indian Masterminds Stories
ADVERTISEMENT
ADVERTISEMENT
Related Stories
ADVERTISEMENT
ADVERTISEMENT
NEWS
mohan yadav
Madhya Pradesh Achieves Record-Breaking Export Growth of Rs 66,218 Crore in FY 2024-25
Rajnath Singh
‘Brahma’ to Usher in New Era of Industrial Growth in Madhya Pradesh, Says Defence Minister Rajnath Singh
ITI limited ITI Ltd
PESB Invites Applications for Director (Production) Post at ITI Limited, Sept 17 Deadline - Details Inside
BEML Factory MP Rajnath Singh
Defence Minister Rajnath Singh Lays Foundation of BEML's BRAHMA Plant, ₹1,800 Cr Rail Manufacturing Hub in MP to Create 5,000 Jobs
NMDC HSL
CVO Appointments: IDES SVR Chandra Sekhar & IOFS Abhishek Ranjan Assigned Addl Charges at NMDC & HSL
Amit-Mohan-Govil IRS
IRS Amit Mohan Govil Appointed FIU-India Head for 6 Months; IAS Vivek Aggarwal’s Interim Tenure Ratified
Dog Squad Ranthambore
Rajasthan: Ranthambore Deploys First-Ever Dog Squad to Curb Wildlife Crime; Belgian Malinois ‘Lucy’ Leads Patrol - Details Inside
Screenshot-2025-08-09-181233-905x613
Focus on Remote Regions: SSP Leh, SDM Nubra, & IPS Officer Meet Lt Governor to Discuss Ladakh’s Devt & Security
ADVERTISEMENT
ADVERTISEMENT
Videos
WhatsApp Image 2025-08-08 at 5.25
Dharavi Redevelopment: IAS Minds Turning 100-Year-Old Slum into a Modern City | Video Interview
IAS Aditya Singh
How IAS Officer Aditya Singh is Redefining Governance in Madhya Pradesh | Video Interview 
IAS Karn Satyarthi
How IAS Karn Satyarthi Transformed Gumla Through Empathy and Innovation
ADVERTISEMENT
UPSC Stories
Manoj Kumar Gupta BPSC
‘I Missed My Kids’ Childhood for This Rank’ - A Father’s Journey to Success in BPSC
Manoj Kumar Gupta, once a poor boy from Buxar, cracked the 64th BPSC exam while raising two kids and...
BPSC Bihar police
From Lantern Light to Police Uniform: How Praveen Kumar from a Small Bihar Village Cracked BPSC to Become SDPO
From a lantern-lit village in Bihar to becoming an SDPO, Praveen Kumar's journey is a testament to resilience,...
IAS Priyansha Garg
Why Mindset Matters: IAS Priyansha Garg’s Mental Health Mantra for UPSC
After two failed prelims, Priyansha Garg cracked UPSC with AIR 31 in her fourth attempt, proving how...
Social Media
FEMINA
Women Warriors on the Cover: Femina India Celebrates Army’s Finest in August 2025 Special - Watch the Cover Shoot Inside
Femina India’s August 2025 cover pays tribute to ten Indian Army women officers, showcasing courage,...
Raksha Bandhan Special
A Promise Never Broken: Sister Ties Rakhi to Martyred Brother’s Statue Each Year | Rakshabandhan Special
In Rajasthan’s Khudiyala village, a sister keeps her martyred brother’s memory alive by tying rakhi to...
Mudumalai Tiger Reserve
Mudumalai Tiger Reserve: From India’s First Sanctuary to a Tiger Conservation Success Story | International Tiger Day Special
IAS Supriya Sahu Hails Mudumalai's Role in Tiger Conservation on Tiger Day. Declared in 1940, Now Among...
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
Latest
mohan yadav
Madhya Pradesh Achieves Record-Breaking Export Growth of Rs 66,218 Crore in FY 2024-25
Rajnath Singh
‘Brahma’ to Usher in New Era of Industrial Growth in Madhya Pradesh, Says Defence Minister Rajnath Singh
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
Videos
WhatsApp Image 2025-08-08 at 5.25
IAS Aditya Singh
IAS Karn Satyarthi
ADVERTISEMENT
ADVERTISEMENT