Central Bank of India (CENTRALBK) Q4 24/25 earnings summary

Executive summary

• Achieved record annual net profit of ₹3,785 crore, up 48.49% year-over-year, with total business exceeding ₹7 trillion and strong growth in advances and deposits.

• Audited standalone and consolidated results for FY25 showed significant growth in net profit and operating performance.

• A final dividend of 1.875% (₹0.1875 per share) was recommended, subject to shareholder approval.

• A capital raising plan up to ₹5,000 crore for FY26 was approved, including QIP, FPO, rights issue, or Basel III bonds.

• CASA ratio at 48.91%; ROA improved to 0.86% and ROE to 12.48%.

Financial highlights

• Interest income on advances grew 13.36% YoY to ₹22,339 crore; total interest income up 9.58% to ₹33,666 crore.

• Net interest income increased 7.76% YoY to ₹13,897 crore; non-interest income rose 24.26% to ₹5,855 crore.

• Operating profit rose 10.34% to ₹8,124 crore; net profit surged to ₹3,78,526 lakh (standalone) and ₹3,81,780 lakh (consolidated).

• Gross NPA ratio improved to 3.18% (down from 4.50%); net NPA at 0.55% (down from 1.23%).

• Provision coverage ratio at 96.54%; capital adequacy ratio at 17.02%.

Outlook and guidance

• FY26 guidance: business growth 12-14%, advances growth 14-16%, deposit growth 10-13%.

• CASA ratio targeted at 48% (currently 49%); NIM expected above 3%; gross NPA targeted below 3%, net NPA at 0.45%.

• ROA expected to reach or exceed 1% in FY26; cost-to-income ratio below 56%.

• Recovery target from NPAs and written-off accounts set at ₹4,500 crore.

• Up to ₹5,000 crore capital raising planned to support growth and capital adequacy.