Central Bank of India Q3FY26 Net Profit Surges 31.70% to ₹1,263 Crore
Central Bank of India's Q3FY26 Net Profit surged 31.70% to ₹1,263 crore. Total Business grew 15.77% to ₹7,74,106 crore. Gross Advances increased 19.48% to ₹3,23,531 crore. Gross NPA improved to 2.70% and Net NPA to 0.45%. ROA and ROE also showed improvement.
The strong financial performance, including a substantial increase in net profit and improved asset quality metrics, is expected to have a significant positive impact on investor sentiment and the bank's market position.
The bank reported significant growth in net profit, business, advances, and improvements in asset quality (lower NPAs) and profitability ratios (ROA, ROE).
Central Bank of India announced its financial results for the third quarter and nine months ended December 31, 2025. The bank reported a significant 31.70% increase in Net Profit for the quarter, reaching ₹1,263 crore, up from ₹959 crore in the corresponding period of the previous year.
Total Business grew by 15.77% year-on-year to ₹7,74,106 crore. Total Deposits increased by 13.24% to ₹4,50,575 crore, with CASA Deposits constituting 47.13% of total deposits. Gross Advances saw a substantial rise of 19.48%, reaching ₹3,23,531 crore.
The bank demonstrated improved asset quality, with Gross NPA standing at 2.70% (down from 3.86%) and Net NPA at 0.45% (down from 0.59%). The Provision Coverage Ratio (PCR) improved to 96.69%. The Operating Profit for the quarter grew by 16.76% to ₹2,292 crore.
Net Interest Income for the quarter was ₹3,502 crore, while Net Interest Margin stood at 2.96%. The Cost to Income ratio improved by 99 basis points to 57.84%. Return on Assets (ROA) improved to 1.01% and Return on Equity (ROE) improved to 14.47%.
As of December 31, 2025, the bank's BASEL III CRAR stood at 16.13%, with Tier I capital at 13.87%. The bank operates with a network of 4,567 branches, 4,111 ATMs, and 13,099 BC Points across India.
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