Central Bank of India Q4 Net Profit Jumps 28% to ₹1,034 Crore

29 Apr 2025 , 03:03 PM

Central Bank of India logged a 28% year-over-year growth in net profit during the March quarter of FY25 at ₹1,033.6 crore compared to ₹807.3 crore in the same quarter last year. While the bank’s profit rose, its net interest income (NII) declined 4% YoY to ₹3,399 crore from ₹3,541 crore in Q4 FY24.

The bank’s overall interest and non-interest income increased 7.57% YoY to ₹10,433 crore during the March quarter from ₹9,699 crore a year earlier in the same period. The lender significantly bettered itself on the asset quality front. Gross Non-Performing Assets (GNPA) declined to 3.18% from 3.86% in the previous quarter.

Net Non-Performing Assets (NNPA) also came down sequentially to 0.55% from 0.59%, showing tighter control of bad loans. The bank’s profitability ratios improved in Q4 FY25. Return on Assets (ROA) increased to 0.90% from 0.76% in Q4 FY24.

Return on Equity (ROE) also increased, to 13.21% in Q4 FY25 from 11.68% in the same quarter last year. Central Bank of India continues to have extensive reach spread across the country, with 20,915 touchpoints of services as of March 31, 2025.

Bank network consists of 4,545 branches, which are nearly 65% placed in rural and semi-urban locations to promote financial inclusion. The bank also has a network of 4,085 ATMs as well as 12,260 banking correspondent outlets to facilitate coverage of banking operations in unpenetrated geographies.