Central Bank of India reported a strong set of numbers for the quarter ended March 31, 2025 (Q4 FY25), with a sharp 28% year-on-year (YoY) jump in standalone net profit to ₹1,033.6 crore compared to ₹807.3 crore in the same period last year.
NII is down 4.01% YoY to Rs 3398.56 crore, down from 3450.85 crore in the same period last year.
The bank’s total income rose to ₹10,43,256 lakh (₹10,432.56 crore) during the quarter, up from ₹9,69,874 lakh (₹9,698.74 crore) reported in Q4 FY24. Interest income grew 3.4% YoY to ₹8,61,900 lakh (₹8,619 crore).
Operating profit for the quarter stood at ₹2,00,296 lakh (₹2,002.96 crore), while total expenditure came in at ₹8,42,960 lakh (₹8,429.6 crore).
Asset quality showed marked improvement. The Gross Non-Performing Assets (GNPA) ratio stood at 3.18% at the end of March 2025, down sharply from 4.50% last year. Net Non-Performing Assets (NNPA) were at 0.55%, significantly improving from 1.23% a year ago.
On an annualized basis, the bank’s Return on Assets (RoA) improved to 0.90% compared to 0.76% in FY24. The Net Interest Margin (NIM) also strengthened to 3.39% for FY25.
The bank’s net worth (excluding revaluation reserves) stood at ₹32,57,454 lakh (₹32,574.54 crore) as of March 31, 2025.
For the full financial year FY25, Central Bank of India reported a net profit of ₹3,78,526 lakh (₹3,785.26 crore), registering significant growth over ₹2,54,906 lakh (₹2,549.06 crore) in FY24.
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