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Central Bank of India
Central Bank of India (CENTRALBK) investor relations material
Central Bank of India Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary16 Jan, 2026
Executive summary
Total business grew 15.77% year-over-year to INR 7.74 lakh crore, with deposits up 13.24% and gross advances up 19.48%.
Net profit reached an all-time high, up 31.70% year-over-year to INR 1,263 crore for the quarter, with consolidated net profit at ₹126,429 lakh.
Asset quality improved, with Gross NPA ratio declining to 2.70% and Net NPA to 0.45% as of December 2025.
Management confirmed achievement of most market guidance metrics, except for NIM and cost-to-income ratio.
Digital transactions and customer touchpoints expanded, with digital share of transactions at 89.6%.
Financial highlights
Total income increased 12.62% year-over-year to INR 10,968 crore; interest income rose 6.15% to INR 9,033 crore.
Operating profit for the quarter was INR 2,292 crore, up 16.76% year-over-year.
Non-interest income surged 57.45% year-over-year to ₹1,935 crore.
Net interest income for the quarter was ₹3,502 crore, down 1.07% year-over-year.
Cost-to-income ratio improved to 57.84% from 58.83% year-over-year.
Outlook and guidance
FY25-26 guidance: business growth 14-15%, deposit growth 10-12%, advances growth 14-16%.
Credit growth target for FY26 is robust, with management confident of exceeding the 15-16% guidance.
CASA ratio target at 48% (+/-1%), NIM above 3%, Gross NPA below 3%, Net NPA below 0.45%.
Interim dividend of 2% (₹0.20 per share) approved by the Board.
Cost-to-income ratio expected to gradually decline by 50-100 bps annually, aiming for below 50% in 2-3 years.
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Next Central Bank of India earnings date
Q4 25/2628 Apr, 2026
Central Bank of India
Next Central Bank of India earnings date
Q4 25/2628 Apr, 2026
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