Central Bank of India Q4 FY26: Profit Up 15.43% to ₹4,369 Crore, Business Grows 15.60%
Central Bank of India reported a 15.43% year-on-year increase in net profit to ₹4,369 crore for FY26. Total business grew 15.60% to ₹812,439 crore, with deposits up 13.38% and advances up 18.76%. Gross NPA improved to 2.67% and Net NPA to 0.49%. A dividend of 12% was declared.
The announcement includes key financial results such as net profit, business growth, and asset quality, which are material to investors and have a significant impact on the company's valuation and investor perception.
The bank reported positive growth in net profit, total business, deposits, and advances, along with improvements in asset quality metrics like Gross NPA and Net NPA. The declaration of a dividend also contributes to a positive sentiment.
Central Bank of India announced its financial results for the fourth quarter and financial year ended March 31, 2026. The bank reported a net profit of ₹4,369 crore for the financial year, marking a 15.43% increase year-on-year. Operating profit grew by 4.37% to ₹8,479 crore.
Total business for the bank grew by 15.60% to ₹812,439 crore. Deposits increased by 13.38% to ₹467,923 crore, with CASA deposits at 47.30% of total deposits. Gross advances saw a significant rise of 18.76% to ₹344,516 crore, improving the CD ratio to 73.80%.
Asset quality showed improvement, with Gross NPA at 2.67% (down 51 basis points year-on-year) and Net NPA at 0.49% (down 6 basis points). The provision coverage ratio stood at 96%. The bank also declared a dividend of 12% (₹1.20 per equity share) for FY 2025-26.
A one-time impact of ₹632 crore was recognized due to the recognition of deferred tax asset at a lower rate, which affected the net profit and ROA for the quarter. However, on a year-on-year basis, ROA improved to 0.89% and Return on Equity improved to 13%.
The bank is actively focusing on capability building, CASA, retail, agriculture, and MSME segments, along with containment of slippages and overall improvement in asset quality. These are highlighted as key focus areas for future growth.
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