Central Bank of India Q2 Net Profit Rises 32.8 Percent to ₹1,212.8 Crore on Improved Asset Quality and Lower Provisions

Central Bank of India reported a 32.8% year-on-year rise in net profit at ₹1,212.8 crore for the July–September quarter of FY2025-26, compared to ₹912.8 crore in the same period last year, aided by improved asset quality and lower provisioning.The bank’s net interest income (NII) declined 3.7% YoY to ₹3,282 crore, against ₹3,410 crore in Q2 FY25, amid margin pressure. The net interest margin (NIM) stood at 2.89%, lower than 3.41% a year earlier.

On the asset quality front, the gross non-performing assets (GNPA) ratio improved to 3.01% from 3.13% in the previous quarter, while the net NPA fell slightly to 0.48% from 0.49%. The provision coverage ratio (PCR) remained robust at 96.88%.

Total business grew 14.4% YoY to ₹7.38 lakh crore, with advances rising 16% to ₹2.93 lakh crore and deposits up 13.4% to ₹4.44 lakh crore. The current and savings account (CASA) ratio stood at 46.83%, compared to 48.93% last year.Return on assets (ROA) improved to 1.01%, while return on equity (ROE) rose to 14.22% from 12.67% in the previous year.

The bank said it continues to maintain strong capital adequacy, with a CRAR of 17.34% and CET-I ratio of 14.98% as of September 2025.

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