Central Bank of India has announced a robust financial performance for FY25, recording a 10.37% growth in total business, which expanded to US Rs. 702.80 billion, up from US Rs. 636.76 billion in the previous fiscal. The bank’s total deposits grew by 7.19%, reaching US Rs. 412.69 billion, reflecting continued customer trust and stable liquidity management.
Iconic Central Bank of India building at Fort Mumbai.
Deposit Growth and CASA Performance
The bank’s Current Account and Savings Account (CASA) deposits now constitute 48.91% of total deposits, increasing by US Rs. 9.20 billion to US Rs. 201.17 billion from US Rs. 191.96 billion in the previous year. This 4.79% year-on-year growth underscores Central Bank of India’s focus on strengthening low-cost deposit mobilization and maintaining stable funding sources.
Credit Expansion and Improved CD Ratio
Gross advances surged by 15.24%, reaching US Rs. 290.10 billion, compared to US Rs. 251.74 billion at the end of March 2024. The Credit-to-Deposit (CD) Ratio improved to 70.53%, marking a 554 basis point increase from the prior fiscal. This healthy rise in credit disbursement reflects the bank’s role in financing economic activities across sectors, supporting retail, agriculture, and MSME businesses.
Asset Quality and Strong Risk Management
Central Bank of India made significant improvements in asset quality, with the Gross Non-Performing Asset (NPA) ratio reducing to 3.18%, an improvement of 132 basis points from the previous year’s 4.50%. Net NPA also declined to 0.55%, down from 1.23%, registering an improvement of 68 basis points.
The Provision Coverage Ratio (PCR) strengthened to 96.54%, rising 296 basis points from 93.58% in the previous fiscal, reinforcing the bank’s prudent risk management policies and commitment to maintaining strong provisions against non-performing assets.
Profitability and Key Financial Metrics
The bank’s net profit grew by an impressive 48.49%, reaching US Rs. 3.78 billion, up from US Rs. 2.54 billion in FY24. Net Interest Income (NII) for FY25 stood at US Rs. 13.89 billion, marking a 7.76% increase over US Rs. 12.89 billion in the previous fiscal.
Return on Assets and Return on Equity Growth
Central Bank of India’s Return on Assets (ROA) improved to 0.86%, up from 0.63%, reflecting efficient resource utilization and profitability enhancement. Meanwhile, Return on Equity (ROE) strengthened to 12.48%, compared to 9.53% the previous year, marking an improvement of 153 basis points.
Capital Adequacy and Basel III Compliance
The bank’s Capital Adequacy Ratio (CRAR) improved to 17.02%, with Tier I capital at 14.73%, registering an enhancement of 194 basis points over the previous year’s 15.08%. This capital strength reinforces financial stability and ensures compliance with Basel III regulations.
Quarterly Performance in Q4FY25
For Q4FY25, total income (interest and non-interest) grew by 7.57%, rising from US Rs. 9.69 billion in Q4FY24 to US Rs. 10.43 billion. Net profit in the fourth quarter climbed 28.13%, reaching US Rs. 1.03 billion, compared to US Rs. 807 million in Q4FY24.
ROA and ROE also improved during Q4FY25, with ROA increasing to 0.90% from 0.76%, and ROE rising to 13.21% from 11.68% in Q4FY24.
Strong Growth in Retail, Agriculture, and MSME Lending
The bank’s Retail, Agriculture, and MSME (RAM) lending grew by 16.13%, reflecting continued focus on financial inclusion and sectoral support. Growth across individual sectors stood at:
- 15.72% in Retail lending (US Rs. 82.38 billion)
- 13.88% in Agriculture lending (US Rs. 52.45 billion)
- 18.79% in MSME lending (US Rs. 59.24 billion)
Productivity and Operational Expansion
Business per employee improved to US Rs. 2.13 million, up from US Rs. 1.99 million, demonstrating higher workforce efficiency.
Central Bank of India continues to maintain an extensive nationwide presence, with 20,915 touchpoints, including 4,545 branches, of which 65.21% serve rural and semi-urban locations. The bank also operates 4,085 ATMs, along with 12,260 banking correspondents (BC) points and 25 BC Maxx Points, ensuring broad accessibility across India.
Strategic Outlook and Future Growth
With its solid financial position, improved asset quality, and strong business expansion, Central Bank of India remains focused on sustainable growth, digital banking transformation, and enhanced financial inclusion. Its ability to navigate changing market dynamics, strengthen capital buffers, and optimize efficiency positions the bank as a key driver in India’s evolving banking landscape.
The bank’s financial strength and continued advancements in technology, customer engagement, and responsible lending practices underscore its commitment to long-term success, ensuring value creation for stakeholders and progressive contributions to the economy.
With its forward-looking strategy, Central Bank of India is expected to consolidate its leadership position, supporting India’s economic growth trajectory while delivering superior banking experiences to millions of customers nationwide.
