Central Bank of India announced strong financial performance alongside its successful exit from the RBI’s Prompt Corrective Action (PCA) framework in September 2022. Highlights include a growing customer base of 8.18 Crore, a 65% presence in rural and semi-urban areas, and a ₹3,644 Cr net profit. With a focus on digital banking and customer-centric innovation, Central Bank of India is set to accelerate its business growth.
Key Financial Highlights
Central Bank of India exited the PCA framework in September 2022, demonstrating sustained performance. The bank has a total customer base of 8.18 Crore as of December 31, 2025, supported by a strong rural and semi-urban presence with 65% of its branches located in these areas.
Financial Performance Metrics
The bank’s Net Profit stood at ₹3,644 Cr. Other key financial metrics as of December 2025, include:
- CRAR: 16.13%
- CET 1: 13.87%
- Net NPA: 0.45%
- Leverage: 5.63%
Business and Growth
Total business was ₹774106 Cr with ₹450575 Cr in total deposits. CASA deposits reached ₹211773 Cr, and gross advances totaled ₹323531 Cr. RAM advances were reported at ₹223166 Cr.
Digital Initiatives and Network
The bank has a PAN India network comprising 4567 full-service domestic outlets and is building a digital bank, Cent NEO, focusing on digital and technological capabilities. They have 4111 ATMs, 13099 Business Correspondents, and 40 BCMaxx Centres.
Strategic Focus
Central Bank of India has a vision of achieving Net Zero Scope 1 by 2028. The bank is also fostering a culture of innovation and launching initiatives to support MSMEs and agriculture through specialized products and digital platforms.
Recognition
Central Bank of India has received awards including Best Digital Financial Inclusion & Best Tech Talent at the 21st IBA Annual Banking Technology Awards 2024-25, and the Best Bank award for education loans in the Navabharat Education Excellence Awards 2025.
Source: BSE
