Central Bank Of India Total Business Grows 15.77% In Q3FY26

Quarter ended 31st December 2025 vis-a-vis Quarter ended 31st December 2024. 

• Total Business grew by 15.77% to ₹774106 crore from ₹668686 crore.
• Total Deposits up by 13.24% to ₹450575 crore from ₹397907 crore.
• CASA Deposits is 47.13% of total deposits.
• Gross Advance increased by 19.48 % to ₹323531 crore, from ₹270779 crore.
• Gross NPA stood at 2.70 %, from 3.86 %, registering an improvement of 116 bps.
• Net NPA stood at 0.45%, from 0.59%, registering an improvement of 14 bps.
• Provision Coverage Ratio (PCR) improved to 96.69%, from 96.54%, registering an  improvement of 15 bps.
• Net Profit for the quarter is up by 31.70% to ₹1263 crore, from ₹959 crore.
• Operating Profit registered a growth of 16.76% and stood at ₹2292 crores from ₹ 1963  crores.
• Net Interest Income for the Q/E December 31st, 2025, stood at ₹3502 crore.
• Net Interest Margin stood at 2.96% for the Q/E December 2025.
• Cost to Income ratio stood at 57.84% registering an improvement of 99 bps
• Return on Assets (ROA) improved to 1.01% for December 2025, from 0.87% at  December 2024, registering an improvement of 14 bps.
• Return on Equity (ROE) improved to 14.47 % for December 2025, from 12.85 % at  December 2024, registering an improvement of 162 bps.
• CRAR improved to 16.13%, of which Tier I at 13.87%.
• Total Income (Interest Income plus Non-Interest Income) for Q3FY26 improved by  12.62%, from ₹9739 crore in Q3FY25 to ₹10968 crore for Q3Y26.
• Operating Profit grew at 16.76% & 4.26% respectively, for the quarter & YTD and  stood at ₹2292 / ₹6382 crores.
• Net Interest Income for the Q/E December 31st, 2025, stood at ₹3502 crore, declined  by 1.07%, over ₹3540 crore of corresponding period of previous year.
• Cost to Income ratio stood at 57.84% in Q3FY26 registering a growth of 99 bps.  Return on Asset (ROA) improved to 1.01 % in Q3FY26 as against 0.87 % in Q3FY25.  Return on Equity (ROE) improved to 14.47% in Q3FY26 as against 12.85% in  Q3FY25. 

Business Highlights: 

Total Business of the Bank, stood at ₹774106 crores as on December 31, 2025, as  against ₹668686 crores, registering growth of ₹105420 crores (15.77%) on YoY basis. Total Deposit of the Bank, stood at ₹450575 crores as on December 31, 2025, as against  ₹397907 crores, registering growth of ₹52668 crores (13.24 %) on YoY basis. Gross Advances increased by ₹52752 crore (19.48%) on YoY basis and stood at  ₹323531 crore as on December 31, 2025, as against ₹270799 crore as on December,  2024. 

RAM (Retail, Agriculture & MSME) business grew by 17.89 %. The individual sector  wise growth stood at 20.93 % (₹96652 crore), 15.41% (₹59176 core) & 15.90%  (₹67338 crore), respectively, for Retail, Agriculture & MSME. 

Business per Employee has improved to ₹ 22.65 crore during quarter ended December  31, 2025, from ₹19.95 crore on YoY basis. 

Asset Quality: 

Gross NPA stood at 2.70%, from 3.86 %, registering an improvement of 116 bps. Net NPA stood at 0.45 %, from 0.59%, registering an improvement of 14 bps. Provision Coverage Ratio (PCR) improved to 96.69%, from 96.54 %, an improvement  of 15 bps. 

Capital Adequacy: 

Total BASEL III CRAR stood at 16.13%, of which Tier I at 13.87%. 

Branch Segmentation: 

Bank is having pan India presence with total 21817 Touch Points, with 4567 Branches,  with network of branches in rural & semi-urban areas (65.22%), 4111 ATMs and 13099  BC Points and 40 BC Maxx Points as on December 31st, 2025.