Central Bank of India has reported its financial results for the second quarter of fiscal year 2025, highlighting growth in key financial metrics. The bank posted a net profit of ₹918.24 crore for Q2 FY25, reflecting strong performance on both Year-over-Year (YoY) and Quarter-over-Quarter (QoQ) bases. Below is a detailed breakdown of its performance.
Year-over-Year (YoY) Comparison: Q2 FY25 vs. Q2 FY24
| Metric | Q2 FY25 | Q2 FY24 | YoY Growth |
|---|---|---|---|
| Total Income | ₹8,944 crore | ₹8,414.29 crore | +6.3% |
| Interest Earned | ₹8,020.26 crore | ₹7,355.06 crore | +9.03% |
| Other Income | ₹1,674.70 crore | ₹1,062.26 crore | +57.7% |
| Net Profit | ₹918.24 crore | ₹605.43 crore | +51.7% |
| Interest Expended | ₹4,879.24 crore | ₹4,352.97 crore | +12.09% |
| Operating Expenses | ₹2,879.25 crore | ₹2,525.81 crore | +14.01% |
| Gross NPA | ₹11,605.42 crore | ₹13,874.21 crore | -16.4% |
| Net NPA | ₹1,673.97 crore | ₹3,662.42 crore | -54.3% |
| EPS (Basic) | ₹1.05 | ₹0.70 | +50% |
| Return on Assets (ROA) | 0.65% | 0.37% | +75.7% |
Summary: Central Bank of India experienced solid growth across several metrics in Q2 FY25 compared to Q2 FY24, with revenue increasing by 6.3% and net profit surging by 51.7%. The reduction in Gross and Net NPAs further highlighted improvements in the bank’s asset quality, and Earnings Per Share (EPS) saw a 50% rise.
Quarter-over-Quarter (QoQ) Comparison: Q2 FY25 vs. Q1 FY25
| Metric | Q2 FY25 | Q1 FY25 | QoQ Growth |
|---|---|---|---|
| Total Income | ₹8,944 crore | ₹8,499.98 crore | +5.2% |
| Interest Earned | ₹8,020.26 crore | ₹7,834.79 crore | +2.37% |
| Other Income | ₹1,674.70 crore | ₹1,665.13 crore | +0.57% |
| Net Profit | ₹918.24 crore | ₹879.94 crore | +4.4% |
| Interest Expended | ₹4,879.24 crore | ₹4,796.42 crore | +1.73% |
| Operating Expenses | ₹2,879.25 crore | ₹2,771.97 crore | +3.87% |
| Gross NPA | ₹11,605.42 crore | ₹13,587.61 crore | -14.6% |
| Net NPA | ₹1,673.97 crore | ₹1,711.71 crore | -2.21% |
| EPS (Basic) | ₹1.05 | ₹1.01 | +3.96% |
| Return on Assets (ROA) | 0.65% | 0.62% | +4.84% |
Summary: In the QoQ comparison, Central Bank of India showed steady growth in total income (5.2%) and net profit (4.4%). Improvements in asset quality were also reflected in the reduced Gross and Net NPA figures. EPS increased slightly by 3.96%, while Return on Assets (ROA) saw a marginal improvement.
Central Bank of India demonstrated consistent growth in Q2 FY25, outperforming both on a Year-over-Year and Quarter-over-Quarter basis. The substantial YoY improvement in net profit, reduction in NPAs, and enhanced capital adequacy are key highlights of the bank’s financial performance, positioning it well for continued growth in the upcoming quarters.
