Central Bank of India has announced the availability of its earnings call recording held on January 16, 2026, providing stakeholders with access to detailed discussions about the bank's third quarter financial performance for FY26.

Earnings Call Details

The conference call was conducted with analysts and institutional investors to discuss the bank's unaudited financial results for the third quarter and nine months ended December 31, 2025. This earnings call represents a key communication channel between the bank's management and the investment community, offering insights into the bank's operational and financial performance during the reporting period.

Accessibility and Transparency

The bank has uploaded the complete audio recording on its official website to ensure transparency and provide easy access to all stakeholders. The recording can be accessed through two methods - either directly via the specific audio file link or through the bank's investor relations section on their website.

Regulatory Compliance

This announcement was made under Regulation 30 of the Securities and Exchange Board of India (SEBI) regulations, demonstrating the bank's commitment to regulatory compliance and transparent communication with shareholders and the broader investment community. The formal communication was addressed to both the National Stock Exchange of India Limited and BSE Limited, ensuring proper disclosure to all relevant stock exchanges.

The availability of this earnings call recording allows investors, analysts, and other stakeholders to access comprehensive information about Central Bank of India's financial performance and management commentary for the third quarter of FY26, supporting informed investment decisions and market analysis.

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.