Gross NPA stood at 3.01%, from 4.59%, registering an improvement of 158 bps.
FinTech BizNews Service
Mumbai, October 18, 2025: Central Bank of India announced its Financial Results for the Quarter Ended September 30th, 2025 on Saturday.
Total Business grew by 14.43% to Rs737938 crore from Rs644858 crore.
Total Deposits up by 13.40% to Rs444450 crore from Rs391914 crore.
CASA Deposits is 46.83% of total deposits & the same has increased by Rs16346 crore to Rs207616 crore, from Rs191270 crore, registering a Y-o-Y growth of 8.55%.
Gross Advance increased by 16.03% to Rs293488 crore, from Rs252944 crore.
Gross NPA stood at 3.01%, from 4.59%, registering an improvement of 158 bps.
Net NPA stood at 0.48%, from 0.69%, registering an improvement of 21 bps.
Provision Coverage Ratio (PCR) improved to 96.88%, from 96.31%, registering an improvement of 57 bps.
Net Profit for the quarter is up by 32.86% to Rs1213 crore, from Rs913 crore.
Operating Profit for the Quater has declined to Rs1786 crore as of September 30, 2025, from Rs2165 crore on September 30, 2024, due to decline in Net-Interest Income & Non-Interest Income on YoY basis.
Net Interest Income for the Q/E September 30th, 2025, stood at Rs3283 crore.
Net Interest Margin stood at 2.89%.
Cost to Income ratio stood at 62.72%.
Return on Assets (ROA) improved to 1.01% for September 2025, from 0.84% at September 2024, registering an improvement of 17 bps.
Return on Equity (ROE) improved to 14.22% for September 2025, from 12.67% at September 2024, registering an improvement of 155 bps.
CRAR improved to 17.34%, of which Tier I at 14.98%, registering an improvement of 107 bps over 16.27% of corresponding period of previous year.
Profitability:
Total Income (Interest Income plus Non-Interest Income) for Q2FY26 improved by 4.07%, from Rs9849 crore in Q2FY25 to Rs10250 crore for Q2Y26.
Operating Profit for the Quater has declined to Rs1786 crore as of September 30, 2025, from Rs2165 crore on September 30, 2024, due to decline in Net-Interest Income & Non-Interest Income on YoY basis.
Net Interest Income for the Q/E September 30th, 2025, stood at Rs3283 crore, registering a de-growth of 3.72%, over Rs3410 crore of corresponding period of previous year.
Cost to Income ratio stood at 62.72% in Q2FY26.
Return on Asset (ROA) improved to 1.01 % in Q2FY26 as against 0.84 % in Q2FY25.
Return on Equity (ROE) improved to 14.22% in Q2FY26 as against 12.67% in Q2FY25.
Business Highlights:
Total Business of the Bank, stood at Rs737938 crores as on September 30, 2025, as against Rs644858 crores, registering growth of Rs93080 crores (14.43%) on YoY basis.
Total Deposit of the Bank, stood at Rs444450 crores as on September 30, 2025, as against Rs391914 crores, registering growth of Rs52536 crores (13.40 %) on YoY basis.
Gross Advances increased by Rs40544 crore (16.03%) on YoY basis and stood at Rs293488 crore as on September 30, 2025, as against Rs252944 crore as on September 30, 2024.
RAM (Retail, Agriculture & MSME) business grew by 15.23 %. The individual sector wise growth stood at 18.11 % (Rs90204 crore), 12.41% (Rs56521 core) & 13.81% (Rs63223 crore), respectively, for Retail, Agriculture & MSME
Business per Employee has improved to Rs 21.48 crore during quarter ended September 30, 2025, from Rs 19.02 crore on YoY basis.
Asset Quality:
Gross NPA stood at 3.01%, from 4.59 %, registering an improvement of 158 bps.
Net NPA stood at 0.48 %, from 0.69%, registering an improvement of 21 bps.
Provision Coverage Ratio (PCR) improved to 96.88%, from 96.31 %, an improvement of 57 bps.
Capital Adequacy:
Total BASEL III CRAR improved to 17.34%, of which Tier I at 14.98%, registering an improvement of 107 bps over 16.27% of corresponding period of previous year.
Branch Segmentation:
Bank is having pan India presence with total 21492 Touch Points, with 4556 Branches, with network of branches in rural & semi-urban areas (65.14%), 4174 ATMs and 12728 BC Points and 34 BC Maxx Points as on September 30th, 2025.
