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Informist, Friday, Jul. 17, 2026

 

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--Central Bank Apr-Jun net profit INR 13.24 bln 
--Central Bank gross NPA ratio 2.60% on Jun 30 vs 2.67% quarter ago 
--Central Bank Apr-Jun net profit INR 13.24 bln vs INR 11.69 bln year ago 
--Central Bank net NPA ratio 0.49% on Jun 30, unchanged on quarter 
--Central Bank Apr-Jun total income INR 106.78 bln vs INR 103.60 bln yr ago 
--Central Bank Basel III capital adequacy ratio 18.28% on Jun 30 
--Central Bank Apr-Jun provisions INR 4.02 bln vs INR 5.21 bln year ago 
--Central Bank Apr-Jun NPA provisions INR 3.46 bln vs INR 4.68 bln year ago 
--Central Bank Apr-Jun NIM 3.06%, down 10 bps on yr 
--Central Bank Apr-Jun cost of deposits 4.60%, down 33 bps on yr 
--Central Bank Q1 net interest income INR 39.14 bln vs INR 33.83 bln yr ago 
--Central Bank provision coverage ratio at 95.86% as on Jun 30 

 

By Durgesh Nandan and Nandini Sinha

 

MUMBAI – Central Bank of India reported healthy year-on-year growth in net profit for the June quarter supported by a fall in provisions. Sequentially, the bank reported sharp growth in the bottom line.

 

The lender's net profit rose to INR 13.24 billion for the reporting quarter, up over 13% on year. Sequentially, its bottom line rose nearly 83% on the back of a fall in tax expenses and total expenditure. The bank's tax expenses declined to INR 4.61 billion, down 25% on year and 47% on quarter, which helped it to report strong growth in net profit for the quarter.

 

The bank's total income rose to INR 106.78 billion, up 3% on year but down over 1% on quarter. The total income fell on quarter as the bank's other income dropped over 14% on quarter to INR 9.87 billion. During the quarter, its interest income was INR 96.91 billion, up nearly 13%. Sequentially, the rise in the interest income was only marginal.

 

At 1345 IST, shares of the lender were at INR 32.01 apiece on the National Stock Exchange, down 2% from Thursday's close. The stock eventually closed at INR 31.66, down almost 3%.

 

The lender's net interest income for the reporting quarter stood at INR 39.14 billion, up nearly 16% on year but down over 2% sequentially. Provisions and contingencies declined nearly 23% on year to INR 4.02 billion. Provisions for non-performing assets fell to INR 3.46 billion, down over 26% on year and nearly 47% on quarter.

 

The asset quality of the lender for the quarter showed a slight improvement. While the bank's gross non-performing asset ratio improved 7 basis points on quarter to 2.60%, the net non-performing asset ratio was unchanged on quarter as well as on year at 0.49%. The bank's provision coverage ratio declined to 95.86% from 97.02% a year ago and 95.97% a quarter ago. The Basel-III capital adequacy ratio improved to 18.28% from 17.66% a year ago and 17.91% a quarter ago.
 

Central Bank's total global business grew over 18% on year to INR 8.33 trillion. Its total deposits rose nearly 12% to INR 4.79 trillion. The current account savings account stood at 46.61% of total deposits.

 

The bank's gross global advances rose nearly 29% on year to INR 3.54 trillion. Retail segment loans stood at INR 1.06 trillion. Of this, the housing segment had the biggest share at INR 599.46 billion.  End

 

IST, or Indian Standard Time, is five-and-a-half hours ahead of GMT

 

Edited by Rajeev Pai

 

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