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: May 2, 2025
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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