BANKS
Central Bank of India Q3 net up 32% at Rs 1,263 cr
Central Bank of India’s fiscal third-quarter profit gains came mainly from recoveries from write-offs and treasury gains.
Central Bank of India’s fiscal third-quarter profit gains came mainly from recoveries from write-offs and treasury gains.
Central Bank of India’s fiscal third-quarter profit gains came mainly from recoveries from write-offs and treasury gains.
The state-owned bank reported a 32% jump in net profit to Rs 1,263 crore in the quarter ended December 2025 compared to Rs 959 crore a year ago, even as bad loans improved.
The Mumbai-based lender recovered Rs 1,109 crore from loan write-offs and NPA (non-performing assets) accounts, up from Rs 482 crore. Treasury income also rose 35% to Rs 302 from Rs 224 crore.
NII and NIM
Net interest margin (NIM) was under pressure, easing to 2.96% from 3.45%. The bank, however, expects to maintain its NIM guidance at 3% as deposit costs moderate in the coming quarters.
Total income rose to Rs 10,969 crore during the fiscal third- quarter, from Rs 9,739 crore in the same period a year ago.
Interest income also rose to Rs 9,033 crore from Rs 8,509 crore.
Operating profit widened to Rs 2,293 crore from Rs 1,963 crore.
Asset quality
The bank's gross non-performing assets (NPAs) declined to 2.7% at the end of December 2025, from 3.86% a year ago.
Net NPAs fell to 0.45% from 0.59%.
Provisions for NPAs eased to Rs 276 crore, from Rs 310 crore reported in the year-ago period.
Provision coverage ratio (PCR) stood at 96.69% as on 31 December 2025, compared to 96.54% in the same period a year ago.
Total business
The bank’s total business climbed 15.77% to Rs 7.74 lakh crore versus Rs 6.69 lakh crore in Q3 of FY25.
Loan growth in Q3
The bank’s loan book grew 19.48% to Rs 3.24 lakh crore as on 31 December 2025, up from Rs 2.71 lakh crore a year ago. This was supported by an aggressive outreach programme across over 100 centres, eyeing retail, agriculture and MSME borrowers.
The RAM (retail, agriculture and MSME) segment grew 17.89% to Rs 2.23 lakh crore. Of this, retail stood at Rs 96,652 crore, agri at Rs 59,176 crore and MSME at Rs 67,338 crore).
The corporate loan book rose 23% to over Rs 1 lakh crore.
Deposit growth
The bank’s deposits grew 13.24% to Rs 4.51 lakh crore as on 31 December 2025, compared to Rs 3.98 lakh crore in the earlier year.
CASA (current account savings account) deposits grew 8.54%, with savings deposits rising over 7.5%. CASA accounted for 47.13% of the bank’s total deposits.
The credit-to-deposit (CD) ratio improved to 72% from 66% in the preceding September quarter.
Capital adequacy
Capital adequacy ratio moderated to 16.13% from 16.43% a year ago.
