Central Bank of India reports strong Q2 and half-year profit growth

Central Bank of India reported a net profit of ₹1213 crore for the quarter ended September 30, 2025, a 32.86% increase year-on-year. For the half year, net profit surged by 32.85% to ₹2382 crore. Total business grew by 14.43% to ₹737938 crore, with total deposits increasing by 13.40% to ₹444450 crore, and gross advances rising by 16.03% to ₹293488 crore.

The bank demonstrated improved asset quality, with Gross NPA decreasing by 158 basis points to 3.01% and Net NPA falling by 21 basis points to 0.48%. The Provision Coverage Ratio (PCR) improved by 57 basis points to 96.88%. Capital Adequacy also strengthened, with CRAR improving by 107 basis points to 17.34% (Tier I at 14.98%).

Return on Assets (ROA) improved to 1.01% and Return on Equity (ROE) increased to 14.22% for the quarter. The bank maintained a strong presence with 21492 customer touch points, including 4556 branches and 12728 BC Points, reinforcing its pan-India network and strategic focus on digital services and financial inclusion initiatives.