The Central Bank of India has announced a significant increase in its net profit for the quarter ended September 30, 2025. The bank’s net profit rose by 32.86% to Rs. 1,213 crore, indicating a substantial improvement in its financial performance. This growth can be attributed to the bank’s total business, which increased by 14.43% year-on-year to Rs. 7.38 lakh crore.
The bank’s deposits and advances also showed impressive growth, with deposits rising by 13.40% to Rs. 4.44 lakh crore and advances increasing by 16.03% to Rs. 2.93 lakh crore. The bank’s asset quality has improved, with the Gross Non-Performing Asset (NPA) ratio standing at 3.01% and the Net NPA ratio at 0.48%. The Capital to Risk-Weighted Assets Ratio (CRAR) was reported at 17.34%, and the Return on Assets (ROA) improved to 1.01%.
The bank’s strong performance can be attributed to its focus on strengthening its retail, agriculture, and MSME portfolios. The bank has expanded its national reach through over 21,000 touch points, indicating its commitment to increasing its presence across the country. The improvement in the bank’s asset quality and profitability is a positive sign, and the bank’s efforts to expand its business and improve its services are likely to continue to drive growth in the future.
Overall, the Central Bank of India’s financial performance for the quarter ended September 30, 2025, is a testament to the bank’s strong fundamentals and its ability to navigate the challenges of the banking sector. The bank’s focus on retail, agriculture, and MSME lending, as well as its efforts to expand its national reach, are likely to continue to drive growth and improve its financial performance in the coming quarters. With its improved asset quality and profitability, the Central Bank of India is well-positioned to capitalize on opportunities in the banking sector and continue to deliver strong financial performance.