Central Bank of India reported a standalone net profit of ₹1,212.88 crore for the quarter ended 30 September 2025 (Q2 FY26), marking a 32.86% year-on-year increase. The bank’s asset quality improved with Gross NPA at 3.01% and Net NPA at 0.48%. Total business reached ₹7,37,938 crore, supported by deposit growth and stable margins. The Net Interest Margin (NIM) for the quarter stood at 2.89%.

Key Quarterly Figures (Q2 FY26)

• Net profit: ₹1,212.88 crore, up 32.86% year-on-year from ₹913 crore in Q2 FY25.
• Total income: ₹10,249.73 crore, up 4.06% year-on-year.
• Operating profit: ₹1,785.62 crore, down 17.52% year-on-year.
• Provisions and contingencies: ₹314.14 crore vs ₹598.06 crore in Q2 FY25.
• Net Interest Income (NII): ₹3,283 crore, down 3.72% year-on-year.
• Net Interest Margin (NIM): 2.89% for the quarter.

Balance Sheet Metrics (as of 30 September 2025)

• Total business: ₹7,37,938 crore, up 14.43% year-on-year.
• Total deposits: ₹4,44,450 crore, up 13.40% year-on-year.
• CASA deposits: ₹2,07,616 crore, up 8.55% year-on-year.
• Gross advances: ₹2,93,488 crore, up 16.03% year-on-year.

Asset Quality and Capital

• Gross NPA ratio: 3.01% (improved from 4.59% a year ago; improvement of 158 bps).
• Net NPA ratio: 0.48%.
• Capital Adequacy Ratio (Basel III): 17.34%.
• CET-1 ratio: 14.98%.

Segment and Franchise Highlights

• RAM (Retail, Agriculture, MSME) book: ₹2,09,948 crore (as presented in Q2 FY26 deck).
• Share of digital transactions through alternate delivery channels: 88.29%.
• Renewable/green finance: ₹2,876.33 crore financed; ₹345.61 crore mobilized in green deposits; ₹304.92 crore invested in Green G-Sec/bonds.

Corporate Actions and Disclosures

• Interim dividend declared: 2% (₹0.20 per ₹10 face value share) for FY26.
• Investor presentation and press coverage for Q2 FY26 released around 16–18 October 2025, covering detailed KPIs and outlook.

Additional Context

The quarter reflected continued improvement in profitability and asset quality despite margin pressure seen across the industry. Sequential performance benefited from lower provisions and a healthier loan book. While consolidated profit figures are cited at approximately ₹1,219.59 crore, the bank’s highlights emphasize a standalone net profit of ₹1,212.88 crore alongside strengthened GNPA and capital ratios.

Other Information

• The bank declared an interim dividend of 2% (₹0.20 per share) for FY 2025-26.
• Central Bank of India announced a strategic co-lending partnership with Godrej Housing Finance for housing loans.

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