Bank of India has announced its earnings call with analysts and investors to discuss the unaudited financial results for the third quarter ended December 31, 2025. The public sector bank issued the notification on January 16, 2026, in compliance with Regulation 30 of SEBI (LODR) Regulations, 2015.

Meeting Details and Format

The earnings call has been scheduled in hybrid mode, allowing both physical and virtual participation. The meeting will take place on Wednesday, January 21, 2026, at 6:30 PM at the Golconda Ballroom, Trident Hotel, BKC, Mumbai.

Senior Management Participation

The earnings call will feature comprehensive representation from Bank of India's top management team. The senior leadership participating in the discussion includes:

• Shri Rajneesh Karnatak - Managing Director & CEO
• Shri P R Rajagopal - Executive Director
• Shri Subrat Kumar - Executive Director
• Shri Rajiv Mishra - Executive Director
• Shri Pramod Dwibedi - Executive Director

Virtual Access and Support

For virtual participants, the bank has provided Webex meeting credentials with specific instructions to join by 6:15 PM to avoid login issues. Participants are requested to use their complete name and organization details when joining the virtual session.

The bank has arranged dedicated support through Concept Public Relations for any queries related to the earnings call. Contact persons Gaurav Girdhar and Yash Bhojwani are available to assist participants with meeting-related inquiries.

Regulatory Compliance

The earnings call announcement was formally communicated to both the National Stock Exchange of India Ltd. and BSE Ltd. through official channels. Company Secretary Rajesh V Upadhya signed the notification, which carries reference number HO:IRC:SVI:2025-26: 383, ensuring full compliance with regulatory disclosure requirements for listed entities.

Central Bank of India has delivered impressive financial performance in its third quarter standalone results, with net profit showing substantial growth, improved asset quality metrics, and enhanced interest income. The public sector bank's strong showing reflects positive momentum across key financial parameters.

Financial Performance Overview

The bank's standalone net profit for Q3 reached ₹12.60 billion, representing a significant improvement from the ₹9.60 billion recorded in the same quarter of the previous year. This translates to a robust year-on-year growth of 31.25%, highlighting the bank's enhanced profitability during the quarter.

Adding to the positive financial metrics, Central Bank of India's interest earned for Q3 reached ₹90.30 billion compared to ₹85.00 billion in the corresponding period last year, marking a healthy growth of 6.24% year-on-year.

Asset Quality Improvement

Central Bank of India demonstrated significant improvement in asset quality during Q3. The Gross Non-Performing Assets (GNPA) ratio declined to 2.70% from 3.01% on a quarter-on-quarter basis, reflecting better loan portfolio management. Similarly, the Net Non-Performing Assets (NNPA) ratio improved to 0.45% from 0.48% QoQ, indicating enhanced recovery mechanisms and reduced credit risk.

Revenue and Profitability Analysis

The substantial increase in net profit of ₹3.00 billion year-on-year, coupled with the ₹5.30 billion growth in interest earned, demonstrates the bank's enhanced operational efficiency and revenue generation capabilities. The interest income growth of 6.24% indicates improved lending activities and better yield management during the quarter.

The simultaneous improvement in profitability, interest income, and asset quality ratios indicates strengthening fundamentals and effective execution of the bank's strategic initiatives. This comprehensive performance improvement showcases Central Bank of India's ability to grow its core banking operations while maintaining asset quality standards.

Banking Sector Context

The strong quarterly results position Central Bank of India favorably within the public sector banking landscape. The combination of significant profit growth, enhanced interest income, and improved asset quality metrics indicates the bank's successful adaptation to market conditions and effective implementation of comprehensive banking strategies during the reporting quarter.