Central Bank of India Share Price in Focus; Q3FY26 Results Show Improvement in Asset Quality

The Central Bank of India has announced its financial results for the third quarter ending December 31, 2025. The bank reported a significant increase in net profit and overall business growth, reflecting its strong performance in the financial sector. 

Central Bank of India Q3 FY26 Earnings Results 

The Central Bank of India saw its total business grow by 15.77%, reaching ₹7,74,106 crore compared to ₹6,68,686 crore in the same period last year. Total deposits increased by 13.24% to ₹4,50,575 crore, while gross advances rose by 19.48% to ₹3,23,531 crore. 

Net profit for the quarter surged by 31.70% to ₹1,263 crore, up from ₹959 crore in Q3 2024. Operating profit also showed a healthy growth of 16.76%, standing at ₹2,292 crore. 

Asset Quality and Capital Adequacy 

The bank's asset quality improved, with gross NPA reducing to 2.70% from 3.86%, and net NPA decreasing to 0.45% from 0.59%. The provision coverage ratio improved to 96.69%. 

Capital adequacy, measured by the BASEL III CRAR, stood at 16.13%, with Tier I capital at 13.87%. 

Profitability and Business Performance 

Total income, including interest and non-interest income, increased by 12.62% to ₹10,968 crore. However, net interest income slightly declined by 1.07% to ₹3,502 crore. 

Return on assets improved to 1.01%, and return on equity rose to 14.47% during the quarter. The cost-to-income ratio was recorded at 57.84%. 

Read More: RBI Proposes New Framework for Licensing Urban Co-operative Banks After Over 20 Years! 

Branch Network and Employee Productivity 

The bank has a widespread presence across India with 21,817 touchpoints, including 4,567 branches and 4,111 ATMs. The business per employee improved to ₹22.65 crore, up from ₹19.95 crore. 

Central Bank of India Share Price Performance 

As of January 16, 2026, at 2:40 PM, Central Bank of India share price on NSE was trading at ₹38.93 up by 1.67% from the previous closing price. 

Conclusion 

The Central Bank of India's Q3 2025 performance highlights its robust growth and improved financial metrics. The significant increase in net profit and business expansion underscores the bank's strong position in the market. 

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