Central Bank of India announced a 32.86% increase in net profit for Q2 FY26, reaching ₹1213 crore. Total business grew by 14.43% to ₹737938 crore. The bank also reported improvements in asset quality, with gross NPA decreasing to 3.01% and net NPA at 0.48%. Capital adequacy improved to 17.34%. CASA deposits reached 46.83% of total deposits.
Financial Performance Overview
Central Bank of India reported a strong financial performance for the quarter ended September 30, 2025 (Q2 FY26). Key highlights include:
Key Financial Metrics
Total Business: Grew by 14.43%, reaching ₹737938 crore, compared to ₹644858 crore in the corresponding quarter of the previous year.
Total Deposits: Increased by 13.40% to ₹444450 crore from ₹391914 crore.
CASA Deposits: Constituted 46.83% of total deposits, increasing by ₹16346 crore to ₹207616 crore, representing a year-on-year growth of 8.55%.
Gross Advances: Rose by 16.03% to ₹293488 crore from ₹252944 crore.
Net Profit: Increased by 32.86% to ₹1213 crore, up from ₹913 crore.
Asset Quality
The bank showed improvement in asset quality during the quarter:
Gross NPA: Decreased to 3.01% from 4.59%, an improvement of 158 bps.
Net NPA: Reduced to 0.48% from 0.69%, reflecting an improvement of 21 bps.
Provision Coverage Ratio (PCR): Improved to 96.88% from 96.31%, an increase of 57 bps.
Capital Adequacy
CRAR: Improved to 17.34%, with Tier I capital at 14.98%, reflecting an improvement of 107 bps compared to the previous year’s corresponding period.
Profitability Metrics
Return on Assets (ROA): Improved to 1.01% for September 2025, from 0.84% in September 2024, an increase of 17 bps.
Return on Equity (ROE): Improved to 14.22% for September 2025, from 12.67% in September 2024, reflecting an increase of 155 bps.
Branch Network
Central Bank of India has a pan-India presence with 21492 Touch Points, including 4556 Branches. A significant portion of these branches are located in rural and semi-urban areas (65.14%), alongside 4174 ATMs and 12728 BC Points and 34 BC Maxx Points as of September 30th, 2025.
Source: BSE
