Central Bank of India Q2FY26 Net Profit Rises 32.9% YoY to ₹1,213 Crore; Stock Down 2.66%

Mumbai, October 17, 2025 – The shares of Central Bank of India settled lower by 2.66% after the Bank reported a 32.9% year-on-year (YoY) increase in net profit to ₹1,213 crore in the quarter ended September 30, 2025 (Q2FY26), compared to ₹913 crore in the year-ago comparable quarter. Strong earnings were delivered despite a weaker operating profit, driven by lower provisions and stronger asset quality.

Key Financial Highlights (₹ crore)

The Central Bank of India announced a stable Q2FY26 with a total income of ₹10,250 crore, up 4.1% year-on-year (YoY) from ₹9,849 crore in the corresponding quarter of the previous year.

Operating profit of Bank, however, fell 17.5% YoY to ₹1,786 crore from ₹2,165 crore in Q2FY25 due to increased operating costs. But net profit rose 32.9% YoY to ₹1,213 crore, driven by improved asset quality and reduced provisioning.

On the interest side, Net Interest Income (NII) stood at ₹3,283 crore, down marginally by 3.7% from ₹3,410 crore in the previous year. Net Interest Margin (NIM) during the quarter stood at 2.89%, and cost-to-income ratio at 62.72%, indicating a moderate cost structure.

In addition, profitability ratios of the bank showed a healthy increase. Return on Assets (ROA) increased by 17 basis points to 1.01%, and Return on Equity (ROE) increased by 155 basis points to 14.22%, evidencing increased earnings to equity holders and effective capital deployment.

Business Performance

The bank’s total business expanded 14.4% YoY to ₹7,37,938 crore with a steep rise in both deposits and advances. Total Deposits increased 13.4% YoY to ₹4,44,450 crore and CASA deposits increased 8.6% to ₹2,07,616 crore, which constituted 46.8% of total deposits. Gross Advances stood at ₹2,93,488 crore, up 16.0% YoY, reflecting strong credit demand.

The RAM (Retail, Agriculture, MSME) portfolio grew 15.2%, with retail advancing 18.1%, agriculture 12.4%, and MSME 13.8% YoY.

Asset Quality

Bank continued to fortify its balance sheet through considerable asset quality improvement:

• Gross NPA came down to 3.01%, compared with 4.59% a year ago.
• Net NPA declined to 0.48% from 0.69%.
• Provision Coverage Ratio (PCR) increased to 96.88%, up by 57 bps YoY.

Capital Position

Capital adequacy of the Central Bank of India was 17.34% CRAR compared with 16.27% in the previous year. Tier I capital was at 14.98%, up 107 bps YoY.

Share Price Update

Central Bank of India shares dipped 2.66%, closing at ₹36.90 on October 17, 2025. Central Bank of India shares have dipped 37% in the last year, gained 1,82% in the last six month and down 1.99% in the last 5 days.

The Central Bank of India was founded in 1911 and was among the oldest public sector banks in India, with its headquarters in Mumbai. Listed on NSE and BSE under the symbol CENTRALBK, it has a wide presence in rural and urban markets through its extensive branch and BC network.

REF: https://nsearchives.nseindia.com/corporate/CENTRALBK_17102025142826_Final_SE_Press_Release_Sept2025.pdf

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