Central Bank of India Q1 results: PAT jumps 33% to ₹1,169 cr on lower NPAs, Total income rises to ₹10,374 cr, Gross NPA declines to 3.13%, Net NPA at 0.49%.

Central Bank of India reported a 33% jump in net profit to Rs 1,169 crore in Q1 FY26, driven by a decline in bad debts and an increase in core income. The bank's total income rose to Rs 10,374 crore, and interest earned improved to Rs 8,589 crore. Gross non-performing assets (NPAs) declined to 3.13% of gross advances, while net NPAs fell to 0.49%. Provisions and contingencies halved to Rs 521 crore.

Central Bank of India (CBI) reported a significant 33% increase in its net profit for the first quarter (Q1) of the financial year 2025-26, ending June 30, 2025. The bank's net profit surged to Rs 1,169 crore, driven by a marked decline in bad debts and an increase in core income. This improvement comes on the heels of a 28% year-on-year increase in net profit reported in the fourth quarter of the previous fiscal year [3].

The total income for CBI rose to Rs 10,374 crore during the June quarter, up from Rs 9,500 crore in the same period last year. Interest earned by the bank also improved, reaching Rs 8,589 crore, compared to Rs 8,335 crore in the previous year [2].

CBI's asset quality showed notable improvements. Gross non-performing assets (NPAs) declined to 3.13% of gross advances, while net NPAs fell to 0.49%. These figures represent a significant reduction from the previous year's levels, indicating a healthier balance sheet. Provisions and contingencies also halved to Rs 521 crore, reflecting the bank's enhanced ability to manage its risk profile [2].

Operating profit increased to Rs 2,304 crore, up from Rs 1,933 crore in the same quarter last year. The bank's Return on Assets (ROA) improved to 1.02% for June 2025, from 0.82% in June 2024, registering a 20 bps improvement. Additionally, the Capital Adequacy Ratio (CAR) rose to 17.6%, from 15.6% in the previous year, demonstrating the bank's stronger financial position [2].

The bank's total business grew by 10.84% to Rs 7,04,485 crore from Rs 6,35,564 crore at the end of June 2024. This growth underscores the bank's ability to expand its customer base and increase its market share [2].

The results were announced in a regulatory filing, with the bank's Board of Directors scheduled to meet on July 19, 2025, to review and approve the unaudited standalone and consolidated financial results for Q1FY26. An earnings call with analysts and investors is scheduled for July 21, 2025, at 4:30 p.m. IST [3].

References:
[1] https://www.ndtvprofit.com/quarterly-earnings/hdfc-bank-icici-bank-yes-bank-q1-results-today-earnings-estimates?src=tl_story
[2] https://money.rediff.com/news/market/central-bank-q1-profit-up-33-to-rs-1-169-cr/30421420250719
[3] https://www.ndtvprofit.com/quarterly-earnings/central-bank-of-india-q1-results-date-dividend-earnings-call-schedule-and-more