INTEGRATED FILING — BANKING



General information about company

Scrip code 532885
NSE Symbol CENTRALBK
MSEI Symbol NOTLISTED
ISIN INE483A01010
Name of bank Central Bank of India
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 19-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Jul-2025   11:30:00
End date and time of board meeting 19-Jul-2025   13:40:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 59323100000 59323100000
Income on investments 23401500000 23401500000
Interest on balances with reserve bank of India and other inter bank funds 2753700000 2753700000
Others 407100000 407100000
Total interest earned 85885400000 85885400000
2 Other income 17855800000 17855800000
3 Total income 103741200000 103741200000
Expenses
4 Interest expenses 52052900000 52052900000
5 Operating expenses
(i) Employees cost 18344500000 18344500000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 10304000000 10304000000
Total other operating Expenses 10304000000 10304000000
Total Operating Expenses 28648500000 28648500000
6 Total expenditure excluding provisions and contingencies 80701400000 80701400000
7 Operating profit before provision and contingencies 23039800000 23039800000
8 Provisions other than tax and contingencies 5211100000 5211100000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 17828700000 17828700000
11 Provision for Tax 6141800000 6141800000
12 Net profit (loss) from ordinary activities after tax 11686900000 11686900000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 11686900000 11686900000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 11686900000 11686900000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 90514000000 90514000000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 89.27 89.27
(ii) Capital adequacy ratio
CET 1 ratio 15.48 15.48
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 1.29 1.29
Diluted earnings per share before extraordinary items 1.29 1.29
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 1.29 1.29
Diluted earnings per share after extraordinary items 1.29 1.29
(iv) NPA Ratios
Amount of gross non-performing assets 86376100000 86376100000
Amount of net non-performing assets 13081200000 13081200000
% of gross NPAs 3.13 3.13
% of net NPAs 0.49 0.49
Return on assets 1.02 1.02
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 34616400000 34616400000
2 Retail Banking Operations 45774600000 45774600000
3 Wholesale Banking Operations 23006800000 23006800000
4 Other Banking Operations 0 0
5 Unallocated 343400000 343400000
Total Segment Revenue 103741200000 103741200000
Less: Inter segment revenue 0
Income from operations 103741200000 103741200000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 8460200000 8460200000
2 Retail Banking Operations 5376600000 5376600000
3 Wholesale Banking Operations 5366100000 5366100000
4 Other Banking Operations 0 0
5 Unallocated -1374200000 -1374200000
Total Profit before tax 17828700000 17828700000
i. Finance cost 6141800000
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 11686900000 11686900000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 1991880900000 1991880900000
2 Retail Banking Operations 1809504300000 1809504300000
3 Wholesale Banking Operations 901098500000 901098500000
4 Other Banking Operations 0 0
5 Unallocated 109381100000 109381100000
6 Treasury Operations 1991880900000 1991880900000
7 Retail Banking Operations 1809504300000 1809504300000
8 Wholesale Banking Operations 901098500000 901098500000
9 Other Banking Operations 0 0
10 Unallocated 109381100000 109381100000
Total Segment Assets 4811864800000 4811864800000
Un-allocable Assets 0 0
Net Segment Assets 4811864800000 4811864800000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 1969861300000 1969861300000
2 Retail Banking Operations 1633891800000 1633891800000
3 Wholesale Banking Operations 833511900000 833511900000
4 Other Banking Operations 0 0
5 Unallocated 0 0
6 Treasury Operations 1969861300000 1969861300000
7 Retail Banking Operations 1633891800000 1633891800000
8 Wholesale Banking Operations 833511900000 833511900000
9 Other Banking Operations 0 0
10 Unallocated 0 0
Total Segment Liabilities 4437265000000 4437265000000
Un-allocable Liabilities 0 0
Net Segment Liabilities 4437265000000 4437265000000
Disclosure of notes on segments






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/S. A R & CO Yes 31-Dec-2025
2 M/S. A D B & COMPANY Yes 28-Feb-2027
3 M/s. AMIT RAY & COMPANY Yes 31-Mar-2028
4 M/S. JAIN PARAS BILALA & CO Yes 31-Jul-2025


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 68424500000