Earnings Review
Central Bank of India's Q3 PAT up 32% YoY on higher other income
This story was originally published at 19:12 IST on 16 January 2026
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--Central Bank Oct-Dec net profit INR 12.63 bln
--Central Bank Oct-Dec net profit INR 12.63 bln vs INR 9.59 bln year ago
--Central Bank Oct-Dec total income INR 109.69 bln vs INR 97.39 bln year ago
--Central Bank Oct-Dec provisions INR 7.04 bln vs INR 5.57 bln year ago
--Central Bank Oct-Dec NPA provisions INR 2.76 bln vs INR 3.10 bln year ago
--Central Bank gross NPA ratio 2.70% as on Dec 31 vs 3.01% quarter ago
--Central Bank Basel III capital adequacy ratio 16.13% as on Dec 31
By Meera Nair
MUMBAI - Central Bank of India Ltd.'s net profit for the December quarter jumped up nearly 32% from a year ago due to rise in other income and improvement in asset quality. The bank reported a net profit of INR 12.63 billion, up from INR 9.59 billion year ago. Other income for the quarter was INR 1.94 billion, up over 57% from INR 1.23 billion a year ago.
The provisions more than doubled on quarter, which limited the rise in bottom line. Provisions and contingencies for the quarter were INR 7.04 billion, up over 124% from INR 3.14 billion a quarter ago. However, the asset quality improved, with the bank's gross non-performing assets ratio falling to 2.70% from 3.86% a year ago. The net non-performing assets ratio improved to 0.45% as at the end of December, from 0.59% a year ago. The bank's slippage ratio also improved to 0.25% from 0.39% a year ago.
Interest earned by the bank for the December quarter was up over 6% on year and over 3% a quarter ago at INR 90.33 billion. Income on investments improved nearly 3.64% from a quarter ago to INR 26.82 billion. The on-year rise was 3.54%.
The bank's income tax outgo for the December quarter fell 27.3% on year to INR 3.26 billion.
The bank's Basel III capital adequacy ratio was 16.13% as on Dec 31. The bank said it will pay an interim dividend of INR 0.20 per share.
Shares of the state-owned bank closed at INR 38.58 on the National Stock Exchange, up 0.8% from the previous day. End
Edited by Ashish Shirke
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