{"id":12147,"date":"2025-07-19T17:09:28","date_gmt":"2025-07-19T11:39:28","guid":{"rendered":"https:\/\/trending.niftytrader.in\/?p=12147"},"modified":"2025-07-19T18:37:39","modified_gmt":"2025-07-19T13:07:39","slug":"central-bank-q1-profit-rises-33-to-rs-1169-cr-as-core-income","status":"publish","type":"post","link":"https:\/\/www.niftytrader.in\/markets\/central-bank-q1-profit-rises-33-to-rs-1169-cr-as-core-income\/","title":{"rendered":"Central Bank Q1 Profit Rises 33% to Rs.1,169 Cr as Core Income, Asset Quality Improve"},"content":{"rendered":"<p data-start=\"186\" data-end=\"644\">State-owned Central Bank of India reported a 33% year-on-year rise in net profit to \u20b91,169 crore for the first quarter of FY26, compared to \u20b9880 crore in the same period last year. The strong performance was supported by an increase in core income and a sharp decline in provisions and contingencies, which halved to \u20b9521 crore from \u20b91,191 crore in Q1 FY25. The bank\u2019s total income also rose sharply to \u20b910,374 crore, up from \u20b99,500 crore a year ago.<\/p>\n<ul data-start=\"646\" data-end=\"842\">\n<li data-start=\"646\" data-end=\"706\">\n<p data-start=\"648\" data-end=\"706\">Net profit rose to \u20b91,169 crore vs \u20b9880 crore in Q1 FY25<\/p>\n<\/li>\n<li data-start=\"707\" data-end=\"768\">\n<p data-start=\"709\" data-end=\"768\">Total income increased to \u20b910,374 crore from \u20b99,500 crore<\/p>\n<\/li>\n<li data-start=\"769\" data-end=\"842\">\n<p data-start=\"771\" data-end=\"842\">Provisions and contingencies declined to \u20b9521 crore from \u20b91,191 crore<\/p>\n<\/li>\n<\/ul>\n<p>Also Read : <a href=\"https:\/\/www.niftytrader.in\/content\/bill-ackman-sells-alphabet-stake-buys-uber\/\">Bill Ackman Sells Alphabet Stake, Buys Uber: Bets Big on Robotaxi Future, Not Tesla<\/a><\/p>\n<h2 data-start=\"849\" data-end=\"908\">Interest Income, Operating Profit See Healthy Growth<\/h2>\n<p data-start=\"910\" data-end=\"1276\">The bank\u2019s interest earned improved to \u20b98,589 crore in the June quarter, as against \u20b98,335 crore in the corresponding period last year. Operating profit surged to \u20b92,304 crore, a notable improvement over \u20b91,933 crore a year ago, indicating robust growth in the bank&#8217;s core business operations. This uptick reflects steady loan growth and better yield management.<\/p>\n<ul data-start=\"1278\" data-end=\"1393\">\n<li data-start=\"1278\" data-end=\"1334\">\n<p data-start=\"1280\" data-end=\"1334\">Interest income rose to \u20b98,589 crore vs \u20b98,335 crore<\/p>\n<\/li>\n<li data-start=\"1335\" data-end=\"1393\">\n<p data-start=\"1337\" data-end=\"1393\">Operating profit stood at \u20b92,304 crore vs \u20b91,933 crore<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1400\" data-end=\"1463\">Asset Quality Sees Marked Improvement, NPAs Fall Sharply<\/h2>\n<p data-start=\"1465\" data-end=\"1839\">The bank&#8217;s asset quality improved significantly. Gross Non-Performing Assets (NPAs) fell to 3.13% of gross advances, down from 4.54% in Q1 FY25. Net NPAs also dropped to 0.49% from 0.73% a year ago. The Provision Coverage Ratio (PCR) improved to 97.02%, compared to 96.17% in the previous year, reinforcing the bank\u2019s improved credit quality and lower stress levels.<\/p>\n<ul data-start=\"1841\" data-end=\"1963\">\n<li data-start=\"1841\" data-end=\"1880\">\n<p data-start=\"1843\" data-end=\"1880\">Gross NPAs down to 3.13% from 4.54%<\/p>\n<\/li>\n<li data-start=\"1881\" data-end=\"1916\">\n<p data-start=\"1883\" data-end=\"1916\">Net NPAs fell to 0.49% vs 0.73%<\/p>\n<\/li>\n<li data-start=\"1917\" data-end=\"1963\">\n<p data-start=\"1919\" data-end=\"1963\">PCR rose to 97.02%, up 85 bps year-on-year<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1970\" data-end=\"2035\">Loan Book Expands 10%, Return on Assets at Multi-Year High<\/h2>\n<p data-start=\"2037\" data-end=\"2411\">Central Bank of India\u2019s gross advances grew by 9.97% to \u20b92,75,595 crore as of June 2025, up from \u20b92,50,615 crore a year earlier. The bank\u2019s total business\u2014sum of deposits and advances\u2014expanded by 10.84% to \u20b97,04,485 crore. Return on Assets (ROA) rose to 1.02% in June 2025, from 0.82% a year ago, a 20 bps improvement, reflecting better profitability per unit of assets.<\/p>\n<ul data-start=\"2413\" data-end=\"2571\">\n<li data-start=\"2413\" data-end=\"2465\">\n<p data-start=\"2415\" data-end=\"2465\">Gross advances grew to \u20b92,75,595 crore, up 9.97%<\/p>\n<\/li>\n<li data-start=\"2466\" data-end=\"2523\">\n<p data-start=\"2468\" data-end=\"2523\">Total business expanded to \u20b97,04,485 crore, up 10.84%<\/p>\n<\/li>\n<li data-start=\"2524\" data-end=\"2571\">\n<p data-start=\"2526\" data-end=\"2571\">ROA improved to 1.02% from 0.82%, up 20 bps<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"2578\" data-end=\"2645\">Capital Adequacy Strengthens to 17.6% Amid Profitable Growth<\/h2>\n<p data-start=\"2647\" data-end=\"2962\">The bank\u2019s capital adequacy ratio (CAR) rose to 17.6%, up from 15.6% a year earlier, supported by higher internal accruals and improved earnings. This puts the bank in a strong position for future credit expansion and regulatory compliance, while also supporting investor confidence amid improving fundamentals.<\/p>\n<ul data-start=\"2964\" data-end=\"3088\" data-is-last-node=\"\" data-is-only-node=\"\">\n<li data-start=\"2964\" data-end=\"3015\">\n<p data-start=\"2966\" data-end=\"3015\">Capital Adequacy Ratio rose to 17.6% from 15.6%<\/p>\n<\/li>\n<li data-start=\"3016\" data-end=\"3088\" data-is-last-node=\"\">\n<p data-start=\"3018\" data-end=\"3088\" data-is-last-node=\"\">Strong capital buffers amid improving return metrics and credit growth<\/p>\n<\/li>\n<\/ul>\n<h3><strong>Check This:<\/strong><\/h3>\n<ul>\n<li><a href=\"https:\/\/www.niftytrader.in\/stocks-price\/centralbk\">Central Bank of India Stock Price<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>State-owned Central Bank of India reported a 33% year-on-year rise in net profit to \u20b91,169 crore for the first quarter of FY26, compared to \u20b9880 crore in the same period last year. The strong performance was supported by an increase in core income and a sharp decline in provisions and contingencies, which halved to \u20b9521 [&hellip;]<\/p>\n","protected":false},"author":6,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[615],"tags":[],"ppma_author":[1383],"class_list":{"0":"post-12147","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stock-market-news"}," _eael_post_view_count":0,"authors":[{"term_id":1383,"user_id":6,"is_guest":0,"slug":"pradeep","display_name":"Pradeep Sangatramani","avatar_url":{"url":"https:\/\/trending.niftytrader.in\/wp-content\/uploads\/2025\/09\/Pradeep-Sangatramni.jpeg","url2x":"https:\/\/trending.niftytrader.in\/wp-content\/uploads\/2025\/09\/Pradeep-Sangatramni.jpeg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":""}],"_links":{"self":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts\/12147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/comments?post=12147"}],"version-history":[{"count":3,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts\/12147\/revisions"}],"predecessor-version":[{"id":12163,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts\/12147\/revisions\/12163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/media\/12148"}],"wp:attachment":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/media?parent=12147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/categories?post=12147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/tags?post=12147"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/ppma_author?post=12147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}