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, and total business exceeding ₹7 trillion for FY25.

• Gross advances grew 15.24% to ₹2,90,101 crore; deposits rose 7.19% to ₹4,12,697 crore; CASA ratio at 48.91%.

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

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

• Capital raising plan up to ₹5,000 crore for FY26 approved, via FPO, rights issue, QIP, or Basel III compliant bonds.

Financial highlights

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

• Net interest income increased 7.76% to ₹13,897 crore; operating profit up 10.34% to ₹8,124 crore.

• Non-interest income rose 24.26% to ₹5,855 crore; treasury income up 47.88%.

• 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%; credit cost at 1.10%.

Outlook and guidance

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

• CASA ratio targeted at 48% (±1%), NIM above 3%, gross NPA below 3%, net NPA at or below 0.45%.

• Return on assets expected above 1%, cost-to-income ratio below 56%.

• Plans to raise up to ₹5,000 crore in FY26 to support business growth and capital adequacy.

• Expansion through BC MAXX hybrid centers and digital initiatives planned.