Mumbai: Central Bank of India reported its unaudited consolidated financial results for Q3 FY26 (quarter ended December 31, 2025), showing a year-on-year improvement in both profit and income. The performance is compared on a YoY and QoQ basis, with nine-month figures also providing cumulative context.
For the December quarter, the public sector lender posted a net profit of Rs 1,260 crore, marking a 31 percent rise over Rs 960 crore recorded in Q3 FY25. Profit also improved sequentially from Rs 1,230 crore in Q2 FY26, indicating steady quarterly progress. The improvement came despite higher provisions during the quarter.
The bank’s total income increased to Rs 11,007 crore in Q3 FY26, up 13 percent year-on-year from Rs 9,774 crore in the same quarter last year. On a quarter-on-quarter basis, income grew 7 percent from Rs 10,284 crore in Q2 FY26. Growth was supported by higher interest income and a strong rise in other income.
Interest income for the quarter stood at Rs 9,070 crore, compared with Rs 8,542 crore a year ago, reflecting better lending activity and returns on investments. Other income rose sharply to Rs 1,937 crore, from Rs 1,232 crore in Q3 FY25, helping lift overall earnings.
On the cost side, operating expenses increased to Rs 3,158 crore, compared with Rs 2,814 crore a year earlier, mainly due to higher staff and administrative costs. However, the bank’s operating profit before provisions improved to Rs 2,297 crore, showing better cost control and income growth.
A key drag during the quarter was the sharp rise in provisions, which jumped to ₹705 crore from Rs 316 crore in Q2 FY26. Despite this, profitability remained strong due to higher income and stable core operations.
Asset quality continued to improve. The gross non-performing asset (NPA) ratio declined to 2.71 percent in Q3 FY26 from 3.87 percent a year ago, while net NPA ratio eased to 0.46 percent from 0.61 percent, indicating fewer bad loans on the books.
For the nine months ended December 2025, consolidated net profit rose to Rs 3,780 crore, compared with Rs 2,830 crore in the same period last year. Total income for the nine-month period increased to Rs 31,700 crore, up from Rs 29,190 crore.
The bank also announced a third interim dividend of Rs 0.20 per share for FY26.
Disclaimer: This story is based on unaudited financial results filed by the company with stock exchanges. Figures are as reported. Readers are advised to refer to official disclosures for detailed information.
