Conference Call with Central Bank of India Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.
Central Bank of India announced Q4FY25 & FY25 results: Q4FY25 Financial Highlights: Total Income (Interest Income plus Non-Interest Income) for Q4FY25 improved by 7.57%, from Rs 9,699 crore in Q4FY24 to Rs 10,433 crore for Q4FY25. Net Profit up by 28.13 % to Rs 1,034 crore in Q4FY25 against Rs 807 crore in Q4FY24. Return on Assets (ROA) improved to 0.90% for Q4FY25 as against 0.76% for Q4FY24. Return on Equity (ROE) also improved to 13.21 % for Q4FY25 as against 11.68 % for Q4FY24. FY25 Financial Highlights: Total Business grew by 10.37 % to Rs 7,02,798 crore from Rs 6,36,756 crore. Total Deposits up by 7.19 % to Rs 4,12,697 crore from Rs 3,85,011 crore. CASA Deposits is 48.91% of total Deposits & the same has increased by Rs 9,204 crore to Rs 2,01,173 crore from Rs 1,91,969 crore, reflecting YoY growth of 4.79%. Gross Advance increased by 15.24 % to Rs 2,90,101 crore from Rs 2,51,745 crore. Credit to Deposit (CD) Ratio improved to 71.13 % as on 31st March 2025, registering an improvement of 554 bps, from 31st March 2024. Gross NPA improved to 3.18 %, from 4.50%, registering an improvement of 132 bps. Net NPA improved to 0.55 %, from 1.23%, registering an improvement of 68 bps. Provision Coverage Ratio improved to 96.54%, from 93.58%, registering an improvement of 296 bps. Net Profit up by 48.49 % to Rs 3,785 crore YoY, from Rs 2,549 crore. Net Interest Income for the FY ended March 31st, 2025, stood at Rs 13,897 crore, registering a growth of 7.76% over Rs12,896 of corresponding period of previous year. Net Interest Margin (NIM) for the financial year stood at the same level of 3.40% as at the end of March 31, 2025, when compared on YoY basis Return on Assets (ROA) improved to 0.86 % for March 2025, from 0.63% at March 2024, registering an improvement of 23 bps. Return on Equity (ROE) improved to 12.48 % for March 2025, from 9.53% at March 2024, registering an improvement of 153 bps CRAR improved to 17.02 %, of which Tier I at 14.73 %, registering an improvement of 194 bps over 15.08% of corresponding period of previous year Result PDF