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 Consolidated
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


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 Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 59641900000 59641900000
Income on investments 23411300000 23411300000
Interest on balances with reserve bank of India and other inter bank funds 2753700000 2753700000
Others 426900000 426900000
Total interest earned 86233800000 86233800000
2 Other income 17867300000 17867300000
3 Total income 104101100000 104101100000
Expenses
4 Interest expenses 52217500000 52217500000
5 Operating expenses
(i) Employees cost 18387800000 18387800000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 10341700000 10341700000
Total other operating Expenses 10341700000 10341700000
Total Operating Expenses 28729500000 28729500000
6 Total expenditure excluding provisions and contingencies 80947000000 80947000000
7 Operating profit before provision and contingencies 23154100000 23154100000
8 Provisions other than tax and contingencies 5224700000 5224700000
9 Exceptional items 848500000 848500000
10 Total profit (loss) from ordinary activities before tax 18777900000 18777900000
11 Provision for Tax 6173300000 6173300000
12 Net profit (loss) from ordinary activities after tax 12604600000 12604600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 12604600000 12604600000
15 Share of profit (loss) of associates 237000000 237000000
16 Profit (loss) of minority interest 21800000 21800000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 12819800000 12819800000
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 0 0
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 1.42 1.42
Diluted earnings per share before extraordinary items 1.42 1.42
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 1.42 1.42
Diluted earnings per share after extraordinary items 1.42 1.42
(iv) NPA Ratios
Amount of gross non-performing assets 87061600000 87061600000
Amount of net non-performing assets 13491100000 13491100000
% of gross NPAs 3.14 3.14
% of net NPAs 0.5 0.5
Return on assets 1.12 1.12
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 Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 34616400000 34616400000
2 Retail Banking Operations 46126700000 46126700000
3 Wholesale Banking Operations 23006800000 23006800000
4 Other Banking Operations 7800000 7800000
5 Unallocated 343400000 343400000
Total Segment Revenue 104101100000 104101100000
Less: Inter segment revenue 0
Income from operations 104101100000 104101100000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 8460200000 8460200000
2 Retail Banking Operations 5473300000 5473300000
3 Wholesale Banking Operations 5366100000 5366100000
4 Other Banking Operations 4000000 4000000
5 Unallocated -1374200000 -1374200000
Total Profit before tax 17929400000 17929400000
i. Finance cost 6173300000
ii. Other Unallocable Expenditure net off Unallocable income -1063700000
Profit before tax 12819800000 12819800000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 1991880900000 1991880900000
2 Retail Banking Operations 1823763400000 1823763400000
3 Wholesale Banking Operations 901098500000 901098500000
4 Other Banking Operations 150500000 150500000
5 Unallocated 109524700000 109524700000
6 Treasury Operations 1991880900000 1991880900000
7 Retail Banking Operations 1823763400000 1823763400000
8 Wholesale Banking Operations 901098500000 901098500000
9 Other Banking Operations 150500000 150500000
10 Unallocated 109524700000 109524700000
Total Segment Assets 4826418000000 4826418000000
Un-allocable Assets 0 0
Net Segment Assets 4826418000000 4826418000000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 1969861300000 1969861300000
2 Retail Banking Operations 1643351900000 1643351900000
3 Wholesale Banking Operations 833511900000 833511900000
4 Other Banking Operations 206300000 206300000
5 Unallocated 0 0
6 Treasury Operations 1969861300000 1969861300000
7 Retail Banking Operations 1643351900000 1643351900000
8 Wholesale Banking Operations 833511900000 833511900000
9 Other Banking Operations 206300000 206300000
10 Unallocated 0 0
Total Segment Liabilities 4446931400000 4446931400000
Un-allocable Liabilities 0 0
Net Segment Liabilities 4446931400000 4446931400000
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