New Delhi: Central Bank of India on Monday announced its provisional business performance for the third quarter of FY 2025–26, reporting robust growth across key parameters, including deposits, advances and total business. According to regulatory disclosures filed with the National Stock Exchange of India and BSE Limited, the state-owned lender’s total business increased 15.8 per cent year-on-year to ₹7.74 lakh crore as of December 31, 2025.
Deposit Growth Remains Healthy
The bank reported that total deposits rose by 13.23 per cent year-on-year to ₹4.51 lakh crore, compared with ₹3.98 lakh crore in the corresponding period last year. The steady increase in deposits reflects sustained customer confidence and the bank’s continued focus on strengthening its liability franchise.
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Advances See Strong Uptick
Gross advances registered a sharp growth of 19.57 per cent year-on-year, reaching ₹3.24 lakh crore as of December 31, 2025. The strong expansion in the loan book highlights healthy credit demand across multiple sectors and the bank’s proactive lending strategy.
As a result of faster loan growth, the bank’s credit-deposit (CD) ratio improved to 72.06 per cent, an increase of 381 basis points compared to the same quarter last year, indicating better utilisation of deposits.
CASA Performance and Deposit Mix
The bank’s CASA (Current Account Savings Account) deposits increased by 8.53 per cent to ₹2.12 lakh crore. However, the CASA ratio moderated to 47.12 per cent, compared to 49.18 per cent a year ago. The decline suggests a gradual shift in the deposit mix towards term deposits, amid changing interest rate conditions and competitive pricing in the banking system.
Year-to-Date Business Growth
On a year-to-date basis, Central Bank of India’s total business grew 10.18 per cent, with deposits increasing by 9.17 per cent and advances rising by 11.61 per cent, underlining consistent growth momentum throughout the financial year so far.
Provisional Figures and Market View
The bank clarified that the reported figures are provisional in nature and are subject to review by its statutory central auditors. Market participants have viewed the Q3 performance as a positive indicator of the bank’s operational momentum, supported by steady loan growth, improving balance sheet metrics and enhanced credit deployment.
About Central Bank of India
Central Bank of India is one of the country’s oldest and largest public sector banks, with a nationwide presence across urban and rural areas. The bank offers a wide range of banking and financial services to retail, MSME, agricultural and corporate customers, and continues to focus on growth, digital transformation and strengthening asset quality.
