Central Bank of India Q1 Profit Jumps 33% to ₹1,169 Crore, Asset Quality Improves Sharply

Mumbai, July 19 — Central Bank of India has shared strong results for the first quarter of the financial year 2025–26 (Q1 FY26). The bank reported a 33% rise in profit compared to the same time last year.

The bank made a net profit of ₹1,169 crore between April and June 2025. This is up from ₹880 crore in Q1 FY25.

Total income during the quarter rose to ₹10,374 crore, compared to ₹9,500 crore last year. Of this, interest income also increased to ₹8,589 crore from ₹8,335 crore.

Operating profit — the profit before tax and other deductions — reached ₹2,304 crore. This was higher than ₹1,933 crore in the same quarter last year.

The bank’s Net Interest Income (NII), which is the income from interest earned minus interest paid, stood at ₹3,383 crore.

One of the most positive signs was the bank’s improved asset quality. Gross Non-Performing Assets (GNPA) fell to 3.13% of total loans, down from 4.54% a year ago. Similarly, Net NPA dropped to 0.49%, compared to 0.73% earlier.

Because of better loan performance, the bank had to keep aside less money for bad loans. These provisions dropped to ₹521 crore — almost half of last year’s ₹1,191 crore.

The bank’s Provision Coverage Ratio (PCR) — which shows how much buffer it has against bad loans — improved to 97.02%, from 96.17%.

The bank’s lending also grew. Gross advances (total loans) rose nearly 10% year-on-year to ₹2.76 lakh crore, and total deposits grew 11.4% to ₹4.29 lakh crore.

As a result, the bank’s total business (loans + deposits) grew 10.84% to ₹7.04 lakh crore.

The bank also improved its Capital Adequacy Ratio (CAR) — a key measure of financial strength — to 17.6%, up from 15.6% in Q1 FY25.

With rising profits, better loan performance, and stronger capital, Central Bank of India is showing clear signs of solid growth and better health in the current financial year.