Central Bank of India reported a strong set of financial results for the third quarter ended December 31, 2025, with net profit rising sharply on a year-on-year basis, even as net interest income remained largely flat.
The public sector lender posted a net profit of Rs 1,262 crore in Q3, marking a 31.6% jump compared with Rs 959 crore in the same quarter last year. The improvement in profitability was supported by lower credit costs and stable operating performance.
However, net interest income (NII) slipped 1% YoY to Rs 3,503 crore, compared with Rs 3,540 crore in Q3 of the previous financial year, reflecting pressure on margins during the quarter.
Asset quality trends
The bank reported a sequential improvement in headline asset quality ratios. Gross non-performing assets (GNPA) declined to 2.70% in Q3, compared with 3.01% in the previous quarter, indicating better recovery and lower fresh slippages.
Net non-performing assets (NNPA) also improved to 0.45%, from 0.48% quarter-on-quarter, reflecting tighter control over stressed assets.
In absolute terms, gross NPAs stood at Rs 8,726 crore, lower than Rs 8,827 crore in the preceding quarter, while net NPAs increased marginally to Rs 1,413 crore from Rs 1,366 crore QoQ.
Overall, Central Bank of India’s Q3 performance highlights a sharp rise in profitability alongside steady improvement in asset quality, even as interest income growth remained muted during the quarter.