Central Bank of In's Q4 FY 2025-26 Quarterly Results

Result Summary

• Central Bank of India reported a 1.3% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 3.7%.
• Its expenses for the quarter were up by 0.4% QoQ and 3.4% YoY.
• The net profit decreased 40.9% QoQ and decreased 32.4% YoY.
• The earnings per share (EPS) of Central Bank of India stood at 0.82 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Central Bank of India is a prominent public sector bank in India that offers a broad range of financial services, including retail banking, corporate banking, and treasury operations. With a long-standing legacy, the bank caters to various customer segments across the country. It provides services such as savings and current accounts, fixed deposits, loans, credit cards, and investment products. The bank operates in the banking industry, which is characterized by its focus on enhancing financial inclusion and leveraging technology to improve service delivery. There are no recent major developments available in the data provided, and further specific details about recent company activities are not available.

Revenue

For the quarter ending in the fiscal year 2026 (Q4FY26), Central Bank of India reported a total income of ₹10,859.11 crores. This marks a slight decrease of 1.3% compared to the previous quarter (Q3FY26), where the total income stood at ₹11,006.94 crores. However, when comparing year-over-year (YoY) performance, there is a 3.7% increase from the ₹10,476.05 crores reported in Q4FY25. This data reflects the bank's revenue-generating activities over the period, showing a stability in income levels on an annual basis despite the quarterly dip.

Profitability

The profitability aspect of Central Bank of India's financials for Q4FY26 presents several key figures. The profit before tax was recorded at ₹1,609.42 crores, which is a 1.1% increase from ₹1,592.28 crores in Q3FY26 and a notable 37.5% rise from ₹1,170.58 crores in Q4FY25. The tax expense for the quarter was substantially higher at ₹870.90 crores, up by 166.1% from the previous quarter's ₹327.34 crores and significantly greater than the ₹128.56 crores of Q4FY25, reflecting changes in the taxation costs or strategy. Consequently, the profit after tax saw a decrease to ₹747.78 crores, which is a 40.9% reduction from Q3FY26's ₹1,264.79 crores and a 32.4% decline from Q4FY25's ₹1,106.49 crores.

Operating Metrics

Central Bank of India's operating metrics reveal a comprehensive view of its financial health. Total expenses for Q4FY26 were ₹8,744.68 crores, slightly up by 0.4% from the previous quarter's ₹8,710.03 crores, and a 3.4% increase from ₹8,459.17 crores in Q4FY25. Meanwhile, provisions and contingencies decreased significantly by 28.3% QoQ from ₹704.63 crores in Q3FY26 to ₹505.01 crores in Q4FY26, and by 40.3% YoY from ₹846.30 crores in Q4FY25. Earnings per share (EPS) for the quarter were ₹0.82, down by 41.4% from Q3FY26's ₹1.40 and by 35.4% from the previous year's ₹1.27. These operating metrics indicate the bank's cost management and provisioning strategies within the specified period.