Central Bank of India announced its unaudited standalone and consolidated financial results for the third quarter ended December 31, 2025, showcasing strong operational performance with significant profit growth and improved asset quality metrics.

Financial Performance Highlights

The Mumbai-based state-owned bank delivered impressive financial results for Q3 FY26, demonstrating robust growth across key performance indicators:

For the nine months ended December 31, 2025, the bank reported net profit of ₹3,644.00 crores compared to ₹2,752.00 crores in the corresponding period of the previous year, marking a growth of 32.40%. Total income for the nine-month period increased to ₹31,593.00 crores from ₹29,088.00 crores.

Asset Quality Improvement

Central Bank of India demonstrated significant improvement in asset quality metrics, reflecting enhanced risk management practices:

Provisions for non-performing assets eased to ₹276.00 crores, compared to ₹310.00 crores reported in the third quarter of the previous financial year, indicating improved asset quality management.

Net Interest Metrics and Margins

While the bank showed strong profit growth, some margin metrics experienced slight moderation:

The Net Interest Income marginally declined to ₹3,502.00 crores from ₹3,540.00 crores in the corresponding period of the previous year, while the net interest margin eased to 2.96% compared to 3.45% in Q3 FY25.

Business Growth and Balance Sheet Expansion

The bank demonstrated strong business growth across key parameters:

Gross advances increased by ₹52,752.00 crores, while total deposits grew by ₹52,668.00 crores on a year-on-year basis, reflecting the bank's expanding customer base and market presence.

Dividend Declaration

The Board of Directors approved the declaration of a third interim dividend for FY 2025-26 at the rate of 2% (₹0.20) per equity share having a face value of ₹10.00 each. This decision reflects the bank's confidence in its financial performance and commitment to shareholder returns despite the challenging operating environment.

Central Bank of India has announced its quarterly earnings call to discuss the financial performance for the third quarter and nine months ended December 31, 2025. The bank has scheduled this investor interaction in compliance with regulatory requirements under SEBI guidelines.

Earnings Call Details

The bank will conduct a virtual conference call with analysts and investors to review its Q3FY26 financial results. The structured format ensures comprehensive coverage of the bank's performance metrics and strategic developments.

Senior Management Participation

The earnings call will feature key leadership members who will provide insights into the bank's quarterly performance and address investor queries. The management team represents various operational and strategic functions within the organization.

Participating senior management includes:

• Shri Kalyan Kumar, MD & CEO
• Shri M V Murali Krishna, Executive Director
• Shri Mahendra Dohare, Executive Director
• Shri E Ratan Kumar, Executive Director
• Shri Mukul N. Dandige, CFO

Regulatory Compliance

The announcement was made pursuant to Regulation 30(6) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Company Secretary & Compliance Officer Chandrakant Bhagwat signed the official communication dated January 12, 2026, ensuring proper disclosure to both NSE and BSE.

Registration and Contact Information

Investors and analysts interested in participating can register through the provided concall invite. For any enquiries regarding the conference call, participants can contact Mr. Manjith Nair at Antique Stock Broking Limited via telephone at +91 22 6911 3420 or email at manjith.nair@antiquelimited.com .