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%)
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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.
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