Central Bank of India Reports Strong Q1 FY26 Results with 32.84% Net Profit Growth

Mumbai, India – July 19, 2025 – Central Bank of India today announced robust financial results for the first quarter and three months ended June 30, 2025, demonstrating significant improvements across key performance indicators. The bank reported a 32.84% increase in net profit, reaching Rs 1169 crore, up from Rs 880 crore in the corresponding period last year.

The bank's total business expanded by 10.84% year-on-year, growing to Rs 704485 crore from Rs 635564 crore. Total deposits also saw a healthy rise of 11.41% to Rs 428890 crore from Rs 384949 crore. CASA (Current Account Savings Account) deposits, a key indicator of low-cost funds, constituted 46.88% of total deposits and increased by Rs 11659 crore to Rs 200522 crore, registering a year-on-year growth of 6.17%.

Gross advances grew by 9.97% to Rs 275595 crore from Rs 250615 crore.

Asset quality showed notable improvement, with Gross Non-Performing Assets (NPA) falling to 3.13% from 4.54%, an improvement of 141 basis points (bps). Net NPA also improved to 0.49% from 0.73%, a 24 bps improvement. The Provision Coverage Ratio (PCR) strengthened to 97.02% from 96.17%, indicating better provisioning for potential losses.

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Operating profit for the quarter increased by 15.60% to Rs 2304 crore from Rs 1993 crore. Net Interest Income (NII) for the quarter ended June 30, 2025, stood at Rs 3383 crore.

The bank's profitability metrics also saw significant enhancement. Return on Assets (ROA) improved to 1.02% for June 2025, up from 0.82% in June 2024, an improvement of 20 bps. Return on Equity (ROE) increased to 14.17% for June 2025, compared to 12.60% in June 2024, marking an improvement of 157 bps. The Cost to Income ratio improved to 55.43% from 57.71% as of June 30, 2024.

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In terms of capital adequacy, the Total BASEL III Capital Adequacy Ratio (CRAR) improved to 17.66% as of June 30, 2025, with Tier I capital at 15.48%, reflecting a 198 bps improvement over the previous year.

The bank's RAM (Retail, Agriculture & MSME) business demonstrated robust growth of 15.71%. Individually, the Retail business grew by 17.51% (Rs 85156 crore), the Agriculture by 12.70% (Rs 53057 crore), and the MSME by 15.94% (Rs 60416 crore). Business per employee also improved to Rs 21.07 crore during the quarter ended June 30, 2025, from Rs 20.31 crore on a year-on-year basis.

Central Bank of India maintains a pan-India presence with a total of 21015 touch points, including 4552 branches, 4115 ATMs, and 12323 BC Points, as of June 30, 2025.

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