Central Bank of India announced its unaudited standalone and consolidated financial results for the third quarter ended December 31, 2025, demonstrating strong operational performance with shares gaining as much as 3.6% on Friday, January 16, in response to the quarterly results.

Financial Performance Highlights

The bank delivered impressive financial results for Q3FY26, with significant improvements across key performance indicators:

Net profit for the quarter increased significantly, aided by higher other income which surged to ₹1,935 crores from ₹1,229 crores during the same quarter last year. However, Net Interest Income declined by 1% to ₹3,503 crores from ₹3,540 crores in the previous year.

Asset Quality Improvement

The bank showed marked improvement in asset quality parameters, reflecting effective risk management strategies:

Asset quality improved from the previous quarter, with Gross NPA declining to 2.7% from 3.01% in the September quarter, while Net NPAs stood at 0.45% from 0.48% in the previous quarter.

Market Performance and Dividend Declaration

Shares of Central Bank of India gained momentum following the earnings announcement, trading 1.7% higher at ₹38.94 after touching intraday highs. The Board of Directors approved the declaration of a third interim dividend for FY2025-26 at the rate of 2% (₹0.20 per equity share) having a face value of ₹10 each.

Operational Efficiency and Capital Adequacy

The bank maintained robust operational metrics:

The bank maintained robust capital adequacy with a Capital Adequacy Ratio of 16.13% under Basel III norms, with Common Equity Tier 1 ratio at 13.87%. The bank is one of the few PSU lenders where government shareholding exceeds 90%.

Consolidated Results and Nine-Month Performance

On a consolidated basis, the bank reported net profit of ₹1,264.29 crores for Q3FY26 compared to ₹963.68 crores in Q3FY25. For the nine months ended December 31, 2025, the bank reported total income of ₹31,592.53 crores compared to ₹29,087.88 crores in the corresponding period of the previous year, representing a growth of 8.6%.

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 .