Conference Call with Central Bank of India Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
Central Bank of India announced Q1FY26 results Total Income (Interest Income plus Non-Interest Income) for Q1FY26 improved by 9.20 %, from Rs 9,500 crore in Q1FY25 to Rs 10,374 crore for Q1FY26. Operating Profit improved to Rs 2,304 crore for Q1FY26 as against Rs 1,993 crore for Q1FY25. Net Interest Income for the Q1FY26, stood at Rs 3,383 crore, registering a degrowth of 4.65 %, over Rs 3,548 crore of Q1FY25. Cost to Income ratio improved to 55.43 % in Q1FY26 as against 57.71 % in Q1FY25. Return on Asset (ROA) improved to 1.02 % in Q1FY26 as against 0.82 % in Q1FY25. Return on Equity (ROE) improved to 14.17 % in Q1FY26 as against 12.60 % in Q1FY25. Business Highlights: Total Business of the Bank, stood at Rs 7,04,485 crore as on June 30, 2025, as against Rs 6,35,564 crore, registering growth of Rs 68,921 crore (10.84 %) on YoY basis. Total Deposit of the Bank, stood at Rs 4,28,890 crore as on June 30, 2025, as against Rs 3,84,949 crore, registering growth of Rs 43,941 crore (11.41 %) on YoY basis. Gross Advance of the Bank, stood at Rs 2,75,595 crore as on June 30, 2025, as against Rs 2,50,615 crore, registering growth of Rs 24,980 crore (9.97 %) on YoY basis. RAM (Retail, Agriculture & MSME) business grew by 15.71 %. The individual sector wise growth stood at 17.51 % (Rs 85,156 crore), 12.70 % (Rs 53,057 core) & 15.94 % (Rs 60,416 crore), respectively, for Retail, Agriculture & MSME. Business per Employee has improved to Rs 21.07 crore during quarter ended June 30,2025 from Rs 20.31 crore on YoY basis. Asset Quality: Gross NPA stood at 3.13%, from 4.54 %, registering an improvement of 141 bps. Net NPA stood at 0.49 %, from 0.73%, registering an improvement of 24 bps. Provision Coverage Ratio (PCR) improved to 97.02%, from 96.17 %, an improvement of 85 bps. Capital Adequacy: Total BASEL III Capital Adequacy Ratio improved to 17.66 % (with Common Equity Tier 1 ratio of 15.48%), as on 30th June 2025, registering a growth of 198 bps YoY. Result PDF