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Central Bank of India Delivers Stellar FY2025 Results with 48.49% Profit Growth and Strong Asset Quality
Central Bank of India reports ₹3,785 crore FY2025 profit, up 48.49% YoY, with strong growth in advances, improved asset quality, and robust capital ratios.
Author: Neha Bodke
Published: 14 hours ago
Central Bank of India has announced its financial results for the quarter and year ended March 31, 2025, showcasing robust performance across key financial parameters. The bank registered a 48.49% year-on-year (YoY) growth in net profit, which rose to ₹3,785 crore for FY2025, compared to ₹2,549 crore in FY2024. For the fourth quarter alone, net profit grew by 28.13%, reaching ₹1,034 crore versus ₹807 crore in Q4 FY24.
Image: Net profit surged by 48.49% in FY2025, reaching ₹3,785 crore—marking a strong comeback in profitability.
Business Growth
The bank’s total business crossed the ₹7 lakh crore mark, clocking a 10.37% YoY increase, up from ₹6.37 lakh crore to ₹7.03 lakh crore.
Total Deposits stood at ₹4.13 lakh crore, up 7.19% from ₹3.85 lakh crore last year.
CASA deposits now constitute 48.91% of total deposits, rising to ₹2.01 lakh crore from ₹1.92 lakh crore—a 4.79% increase.
Gross Advances jumped 15.24%, reaching ₹2.90 lakh crore from ₹2.51 lakh crore in the previous fiscal.
Image: Central Bank of India shows robust growth in core banking operations with advances, deposits, and total business rising significantly in FY2025.
The bank’s Credit-to-Deposit (CD) ratio improved significantly to 70.53%, up by 554 basis points over the previous year, indicating better credit deployment.
Segmental Growth
Strong momentum was seen in the Retail, Agriculture, and MSME (RAM) sectors, which collectively grew by 16.13%.
Retail loans: ₹82,383 crore (↑15.72%)
Agriculture loans: ₹52,456 crore (↑13.88%)
MSME loans: ₹59,243 crore (↑18.79%)
Profitability Metrics
Net Interest Income (NII) rose by 7.76% YoY, reaching ₹13,897 crore from ₹12,896 crore.
Net Interest Margin (NIM) remained stable at 3.40%.
Return on Assets (ROA) improved to 0.86% (up 23 bps), while Return on Equity (ROE) increased to 12.48%, up by 153 bps.
In Q4 alone, ROA stood at 0.90% and ROE at 13.21%.
Total income for Q4FY25 stood at ₹10,433 crore, up 7.57% from ₹9,699 crore in Q4FY24.
Asset Quality
The bank reported a major improvement in asset quality:
Gross NPA reduced to 3.18%, down from 4.50% (an improvement of 132 bps).
Net NPA fell sharply to 0.55%, from 1.23% (improvement of 68 bps).
Provision Coverage Ratio (PCR) improved to 96.54%, a 296 bps rise YoY.
Image: Improved asset quality: Gross NPA fell to 3.18% and Net NPA to 0.55%, indicating stronger credit discipline.
Capital and Efficiency
The bank strengthened its capital position further:
Capital Adequacy Ratio (CRAR) under Basel III norms rose to 17.02%, from 15.08% last year.
Tier I capital stood at 14.73%.
Business per Employee also improved to ₹21.31 crore, from ₹19.94 crore YoY.
Image: Financial strength reinforced: PCR rose to 96.54% and CRAR improved to 17.02%, enhancing the bank’s risk buffer.
Network Presence
As of March 31, 2025, the bank had a strong pan-India footprint with:
- 20,915 touchpoints
- 4,545 branches (of which 65.21% are in rural/semi-urban areas)
- 4,085 ATMs
- 12,260 Business Correspondent (BC) Points
- 25 BC Maxx Points
Conclusion
With consistent growth in business, sharp improvement in asset quality, and stronger capital buffers, Central Bank of India has closed FY2025 on a high note. The solid performance across core metrics positions the bank favourably within the public sector banking space as it enters the new financial year.
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