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
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
Central Bank of India announced Q3FY25 results Total Business: Rs 6,68,686 crore, change 8.31% YoY. Total Deposits: Rs 3,97,907 crore, change 5.34% YoY. CASA: Rs 1,95,107 crore, change 5.72% YoY. Gross Advances: Rs 2,70,779 crore, change 12.99% YoY. RAM: Rs 1,89,303 crore, change 17.99% YoY. Interest Income: Rs 8,510 crore, change 8.98% YoY. Operating Profit: Rs 1,963 crore, change 1.66% YoY. Net Profit: Rs 959 crore, change, 33.57% YoY. Gross NPA: 3.86% for Q3FY25, 64 bps YoY. Net NPA: 0.59% for Q3FY25, 68 bps YoY. ROA: 0.87% for Q3FY25, 18 bps YoY. ROE: 12.96% for Q3FY25, 228 bps YoY. Result PDF
Central Bank of India announced Q2FY25 results Financial Highlights: Total Income (Interest Income plus Non Interest Income) for Q2FY25 improved by 17.0%, from Rs 8,412 crore in Q2FY24 to Rs 9,849 crore for Q2FY25. Net Interest Income (NII) grew by 12.62% on YoY basis to Rs 3,410 crore for quarter ended Sep 30th 2024, over corresponding period of last year of Rs 3,028 crore. Operating Profit grew by 41.50% on YoY basis to Rs 2,165 crore for quarter ended Sep 30th 2024, over corresponding period of last year of Rs 1,530 crore. Net Profit up by 50.91% to Rs 913 crore in Q2FY25 against Rs 605 crore in Q2FY24. Return on Assets (ROA) improved to 0.85% for Q2FY25 as against 0.62% for Q2FY24. Return on Equity (ROE) also improved to 12.76% annualised for Q2FY25 as against 9.24% for Q2FY24. Asset Quality: Gross NPA improved to 4.59% with an improvement of 3 bps, on YoY basis. Net NPA improved to 0.69% with an improvement of 95 bps, on YoY basis. Provision Coverage Ratio stood at 96.31%, with an improvement of 377 bps, on YoY basis. Capital Adeqacy: Total BASEL III Capital Adequacy Ratio improved to 16.27% (with Common Equity Tier 1 ratio of 14.01%), as on Q2FY25, as compared to 14.82% on Q2FY24, registering an improvement of 145 bps. Business Highlights: Total Business of the Bank, stood at Rs 6,44,858 crore as on Q2FY25 as against Rs 6,02,284 crore registering growth of Rs 42,574 crore (7.07%) on YoY basis. Total Deposits up by 5.57% to Rs 3,91,914 crore from Rs 3,71,252 crore on YoY basis. Gross Advance increased by 9.48% to Rs 2,52,944 crore on YoY basis as against Rs 2,31,032 crore for the same period of preceding year. RAM (Retail, Agriculture & MSME) business grew by 19.95%. The individual sector wise growth stood at 15.48% (Rs 76,373 crore), 17.34% (Rs 50,280 core) & 29.45% (Rs 55,552 crore), respectively, for Retail, Agriculture & MSME. Business per Employee has improved to Rs 19.02 crore for the quarter ended Q2FY25 from Rs 18.60 crore on YoY basis. Bank is having pan India presence with network of 4,528 branches with 2,955 branches in rural & semiurban areas (65.26%), 4,085 ATMs and 11,949 BC Points with total 20,562 Touch Points as on Q2FY25. Result PDF
Central Bank of India announced Q1FY25 results: Profitability: Total Income (Interest Income plus Non Interest Income) for Q1FY25 improved by 16.08 %, from Rs 8,184 crore in Q1FY24 to Rs 9,500 crore for Q1FY25. Net Interest Income (NII) grew by 11.71 % on YoY basis to Rs 3,548 crore for quarter ended June 30th 2024, over corresponding period of last year of Rs 3,176 crore. Operating Profit grew by 8.43 % on YoY basis to Rs 1,993 crore for quarter ended June 30th 2024, over corresponding period of last year of Rs 1,838 crore. Net Profit up by 110.53 % to Rs 880 crore in Q1FY25 against Rs 418 crore in Q1FY24. Return on Assets (ROA) improved to 0.82% for Q1FY25 as against 0.43% for Q1FY24. Return on Equity (ROE) also improved to 3.14 % for Q1FY25 as against 1.63 % for Q1FY24. Business Highlights: Total Business of the Bank, stood at Rs 6,35,564 crore as on June 30th, 2024 as against Rs 5,83,261 crore registering growth of Rs 52,303 crore (8.97%) on YoY basis. Total Deposits up by 5.93 % to Rs 3,84,949 crore from Rs 3,63,398 crore. Gross Advance increased by 13.99 % to Rs 2,50,615 crore on YoY basis as against Rs 2,19,863 crore for the same period of preceding year. RAM (Retail, Agriculture & MSME) business grew by 18.81 %. The individual sector wise growth stood at 13.87 % (Rs 72,469 crore), 15.36 % (Rs 47080 core) & 30.20% (Rs 52,111 crore), respectively, for Retail, Agriculture & MSME. Business per Employee has improved to Rs 20.31 crore during quarter ended June 30, 2024 from Rs18.43 crore on YoY basis. Asset Quality: Gross NPA improved to 4.54 % with an improvement of 41 bps, on YoY basis. Net NPA improved to 0.73 % with an improvement of 102 bps, on YoY basis. Provision Coverage Ratio stood at 96.17 %, with an improvement of 394 bps, on YoY basis. Capital Adequacy: Total BASEL III Capital Adequacy Ratio improved to 15.68 % (with Common Equity Tier 1 ratio of 13.36 %), as on 30th June 2024, as compared to 14.42 % on June 30th 2023, registering an improvement of 126 bps. Branch Highlights: Bank is having pan India presence with network of 4,517 branches with 2945 branches in rural & semi-urban areas (65.20%), 4,085 ATMs and 11,895 BC Points with total 20,497 Touch Points as on June 30th 2024. Result PDF
Conference Call with Central Bank of India Management and Analysts on Q4FY24 Performance and Outlook. Listen to the full earnings transcript.
Central Bank of India announced Q4FY24 & FY24 results: Q4FY24 Financial Highlights: Net Profit up by 41.33% to Rs 807 crore in Q4FY24 against Rs 571 crore in Q4FY23. Total Income (Interest Income plus Non Interest Income) for Q4FY24 improved by 13.20%, from Rs 8,568 crore in Q4FY23 to Rs 9,699 crore for Q4FY24. Return on Assets (ROA) improved to 0.76% for Q4FY24 as against 0.61% for Q4FY23. Return on Equity (ROE) also improved to 2.92% for Q4FY24 as against 2.27% for Q4FY23. Net Interest Income (NII) marginally improved to Rs 3,541 crore, as against Rs 3,513 crore in the corresponding period of previous year, registering a growth of Rs 28 crore (0.80%). FY24 Financial Highlights: Net Profit up by 61.13% to Rs 2,549 crore for 12 months period ended on 31st March 2024, over corresponding period of last year of Rs 1,582 crore. Net Interest Income (NII) grew by 10.34% on YoY basis to Rs 12,896 crore for 12 months period ended on 31st March 24, over corresponding period of last year of Rs 11,687 crore. Total Income (Interest Income plus Non Interest Income) improved to Rs 35,434 crore (19.60%), for 12 months period /FY ended on 31st March 24, over corresponding period of last year from Rs 29,626 crore. Return on Assets (ROA) improved to 0.63% for 12 months period/FY ended on 31st March 24, over corresponding period of last year of 0.44%. Return on Equity (ROE) improved to 9.53% for 12 months period ended on 31st March 24, over corresponding period of last year of 6.42%. Result PDF