Central Bank of India — Quarter ended 31 March 2026 and Year ended 31 March 2026
Optional commentary: The document contains multiple sections (auditor reports, standalone/consolidated results, segment reporting, cash flows, balance sheet, and various regulatory disclosures). Below are the financial tables that are explicitly presented in the provided text.
| Particulars | Quarter Ended | Year Ended | |||
|---|---|---|---|---|---|
| 31.03.2026 | 31.12.2025 | 31.03.2025 | 31.03.2026 | 31.03.2025 | |
| Audited | Unaudited | Audited | Audited | Audited | |
| 1. Interest earned (a) + (b) + (c) + (d) | 9,66,067 | 9,03,336 | 8,61,900 | 36,02,568 | 33,66,585 |
| (a) Interest/discount on advances/bills | 6,35,916 | 6,09,072 | 5,84,631 | 24,04,976 | 22,33,908 |
| (b) Income on investments | 2,60,036 | 2,68,196 | 2,49,218 | 10,21,009 | 10,09,240 |
| (c) Interest on balances with Reserve Bank of India and other inter bank funds | 26,868 | 25,569 | 23,001 | 1,25,383 | 91,640 |
| (d) Others | 43,247 | 499 | 5,050 | 51,200 | 31,797 |
| 2. Other Income | 1,14,982 | 1,92,574 | 1,71,426 | 6,31,574 | 5,64,235 |
| A. TOTAL INCOME (1+2) | 10,81,049 | 10,95,910 | 10,33,326 | 42,34,142 | 39,30,820 |
| 3. Interest Expended | 5,65,883 | 5,53,095 | 5,22,044 | 21,85,536 | 19,76,896 |
| 4. Operating Expenses (e) + (f) | 3,05,554 | 3,13,565 | 3,10,986 | 12,00,784 | 11,41,493 |
| (e) Employees cost | 1,79,884 | 2,05,477 | 1,88,525 | 7,58,093 | 7,21,857 |
| (f) Other operating expenses | 1,25,670 | 1,08,088 | 1,22,461 | 4,42,691 | 4,19,636 |
| B. TOTAL EXPENDITURE (3)+(4) (excluding Provisions and Contingencies) |
8,71,437 | 8,66,660 | 8,33,030 | 33,86,320 | 31,18,389 |
| C. OPERATING PROFIT (A-B) (Profit before Provisions & Contingencies) |
2,09,612 | 2,29,250 | 2,00,296 | 8,47,822 | 8,12,431 |
| D. Provisions (other than tax) and Contingencies. (Of which: provisions for Non-Performing Assets) |
50,434 | 70,429 | 84,449 | 2,04,388 | 3,19,004 |
| 64,668 | 27,619 | 82,968 | 1,53,416 | 2,80,174 | |
| E. Exceptional Items | – | – | – | – | – |
| F. Profit/(Loss) from Ordinary Activities before Tax (C-D-E) | 1,59,178 | 1,58,821 | 1,15,847 | 6,43,434 | 4,93,427 |
| G. Tax Expenses | 86,735 | 32,561 | 12,492 | 2,06,574 | 1,14,901 |
| H. Net Profit / (Loss) from Ordinary Activities After Tax (F-G) | 72,443 | 1,26,260 | 1,03,355 | 4,36,860 | 3,78,526 |
| I. Extraordinary items (net of tax expense) | – | – | – | – | – |
| J. Net Profit / (Loss) for the period (H-I) | 72,443 | 1,26,260 | 1,03,355 | 4,36,860 | 3,78,526 |
| 5. Paid-up equity share capital (Face value of ₹ 10/- per share) |
9,05,140 | 9,05,140 | 9,05,140 | 9,05,140 | 9,05,140 |
| 6. Reserves excluding revaluation reserves (as per balance sheet of previous accounting year) | – | – | – | 25,55,824 | 23,53,305 |
| 7. Analytical Ratios | |||||
| (i) Percentage of shares held by Government of India | 89.27% | 89.27% | 89.27% | 89.27% | 89.27% |
| Capital Adequacy Ratio-Basel III (%) | 17.91% | 16.13% | 17.02% | 17.91% | 17.02% |
| (ii) (a) CET 1 Ratio (%) | 15.61% | 13.87% | 14.73% | 15.61% | 14.73% |
| (b) Additional Tier 1 Ratio (%) | – | – | – | – | – |
| (iii) (a) Basic Earning per Share (in ₹ ) before and after Extraordinary Items, Net of Tax Expense [not annualised] |
0.80 | 1.39 | 1.19 | 4.83 | 4.36 |
| (b) Diluted Earning per Share (in ₹ ) before and after Extraordinary Items, Net of Tax Expense [not annualised] |
0.80 | 1.39 | 1.19 | 4.83 | 4.36 |
| (iv) (a) Amount of Gross Non-performing Assets | 9,18,504 | 8,72,600 | 9,22,478 | 9,18,504 | 9,22,478 |
| (b) Amount of Net Non-Performing Assets | 1,66,586 | 1,41,366 | 1,54,326 | 1,66,586 | 1,54,326 |
| (c) % of Gross Non-performing Assets | 2.67% | 2.70% | 3.18% | 2.67% | 3.18% |
| (d) % of Net Non-Performing Assets | 0.49% | 0.45% | 0.55% | 0.49% | 0.55% |
| (v) Return on Assets (Annualised) (%) | 0.56% | 1.01% | 0.91% | 0.89% | 0.86% |
| (vi) Networth (excluding Revaluation Reserve) | 34,59,972 | 35,10,764 | 32,57,454 | 34,59,972 | 32,57,454 |
| (vii) Debt** Equity Ratio | 0.08 | 0.05 | 0.16 | 0.08 | 0.16 |
| (viii) Outstanding Redeemable Preference Shares | – | – | – | – | – |
| Sl. No. | Particulars | Quarter Ended | Year Ended |
|---|---|---|---|
| Audited 31.03.2026 | Unaudited 31.12.2025 | ||
| A. Segment Revenue | |||
| 1 | Treasury Operations | 307,704 | 341,034 |
| 2 | Retail Banking Operations | 468,403 | 486,879 |
| 3 | Wholesale Banking Operations | 262,118 | 267,997 |
| 4 | Other Banking Operations | – | – |
| 5 | Unallocated | 42,824 | – |
| Total | 1,081,049 | 1,095,910 | |
| Less: Inter Segment Revenue | – | – | |
| Income From Operations | 1,081,049 | 1,095,910 | |
| B. Segment Results (Profit(+)/Loss(-)) | |||
| 1 | Treasury Operations | 35,274 | 43,374 |
| 2 | Retail Banking Operations | 63,336 | 87,382 |
| 3 | Wholesale Banking Operations | 28,385 | 37,720 |
| 4 | Other Banking Operations | – | – |
| 5 | Unallocated | 32,183 | (9,655) |
| Total | 159,178 | 158,821 | |
| (ii) Other Un-allocable income/Expenditure | – | – | – |
| Total Profit Before Tax | 159,178 | 158,821 | |
| Income Tax | 86,735 | 32,561 | |
| Net Profit/(Loss) | 72,443 | 126,260 | |
| C. Segment Assets | |||
| 1 | Treasury Operations | 21,176,825 | 20,938,270 |
| 2 | Retail Banking Operations | 20,619,190 | 19,926,601 |
| 3 | Wholesale Banking Operations | 12,181,087 | 11,204,657 |
| 4 | Other Banking Operations | – | – |
| 5 | Unallocated Assets | 970,854 | 1,119,738 |
| Total | 54,947,956 | 53,189,266 | |
| D. Segment Liabilities | |||
| 1 | Treasury Operations | 20,130,970 | 20,090,376 |
| 2 | Retail Banking Operations | 18,846,871 | 18,108,431 |
| 3 | Wholesale Banking Operations | 12,123,060 | 11,091,063 |
| 4 | Other Banking Operations | – | – |
| 5 | Unallocated Liabilities | – | – |
| Total | 51,100,901 | 49,289,870 | |
| E. Capital Employed | |||
| 1 | Treasury Operations | 1,045,855 | 847,894 |
| 2 | Retail Banking Operations | 1,772,319 | 1,818,170 |
| 3 | Wholesale Banking Operations | 58,027 | 113,594 |
| 4 | Other Banking Operations | – | – |
| 5 | Unallocated | 970,854 | 1,119,738 |
| Total | 3,847,055 | 3,899,396 |
| Sn | Particulars | 31-03-26 | 31-03-25 |
|---|---|---|---|
| A | CASH FLOW FROM OPERATING ACTIVITIES | ||
| Net Profit/(Loss) before taxes | 6,434.33 | 4,934.27 | |
| I | Adjustments for: | ||
| Depreciation on fixed assets | 529.50 | 557.32 | |
| Depreciation on investments (including on matured debentures) | (120.03) | (306.53) | |
| Increase/(Decrease) in Reserves on account of Fair Valuation of Investments | (1,317.96) | (757.43) | |
| Bad Debts written off/Provision in respect of non performing assets | 1,534.16 | 2,801.74 | |
| Provision for Standard Assets | 578.73 | 72.67 | |
| Provision for Other items (Net) | 51.04 | 622.17 | |
| (Profit) / Loss on |