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 |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
17-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
10-10-2025 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Second 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
17-10-2025
12:00:00 |
| End date and time of board meeting |
17-10-2025 13:55:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Not applicable |
Financial Results - Banking
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| 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 |
5,69,698.00 |
11,66,117.00 |
|
Income on investments |
2,58,867.00 |
4,92,980.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
45,409.00 |
72,946.00 |
|
Others |
3,680.00 |
7,949.00 |
|
Total interest earned |
8,77,654.00 |
17,39,992.00 |
| 2 |
Other income |
1,50,717.00 |
3,29,390.00 |
| 3 |
Total income |
10,28,371.00 |
20,69,382.00 |
|
Expenses
|
| 4 |
Interest expenses |
5,47,604.00 |
10,69,779.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,89,718.00 |
3,73,596.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
1,11,507.00 |
2,14,924.00 |
|
Total other operating Expenses |
1,11,507.00 |
2,14,924.00 |
|
Total Operating Expenses |
3,01,225.00 |
5,88,520.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 8,48,829.00 |
16,58,299.00 |
| 7 |
Operating profit before provision and contingencies |
1,79,542.00 |
4,11,083.00 |
| 8 |
Provisions other than tax and contingencies |
31,622.00 |
83,869.00 |
| 9 |
Exceptional items |
0.00 |
8,485.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 1,47,920.00 |
3,35,699.00 |
| 11 |
Provision for Tax |
25,961.00 |
87,694.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
1,21,959.00 |
2,48,005.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
1,21,959.00 |
2,48,005.00 |
| 15 |
Share of profit (loss) of associates
| 1,447.00 |
3,817.00 |
| 16
| Profit (loss) of minority interest
| 227.00 |
445.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 1,23,179.00 |
2,51,377.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 9,05,140.00 |
9,05,140.00 |
|
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 |
14.98 |
14.98 |
|
| Additional Tier 1 ratio |
0.00 |
0.00 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 1.36 |
2.78 |
|
Diluted earnings per share before extraordinary items
| 1.36 |
2.78 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 1.36 |
2.78 |
|
Diluted earnings per share after extraordinary items
| 1.36 |
2.78 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 8,90,112.00 |
8,90,112.00 |
|
Amount of net non-performing assets
| 1,40,813.00 |
1,40,813.00 |
|
% of gross NPAs |
3.02 |
3.02 |
|
% of net NPAs
| 0.49 |
0.49 |
|
Return on assets
| 1.02 |
1.07 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
9,05,140.00 |
|
Reserves and surplus |
29,48,350.00 |
|
Deposits |
4,45,05,298.00 |
|
Borrowings |
12,39,856.00 |
|
| Other liabilities and provisions |
8,93,614.00 |
|
Total Capital Liabilities |
5,04,92,258.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
21,70,017.00 |
|
| Balances with Banks and money at call and short notice
| 16,60,795.00 |
|
Investments |
1,60,57,624.00 |
|
Advances |
2,87,20,873.00 |
|
Fixed Assets |
50367900000 |
|
Other Assets |
13,79,270.00 |
|
Total Assets |
5,04,92,258.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| 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 |
3,60,781.00 |
7,06,945.00 |
| 2 |
Retail Banking Operations |
4,41,113.00 |
9,02,380.00 |
| 3 |
Wholesale Banking Operations |
2,23,404.00 |
4,53,472.00 |
| 4 |
Other Banking Operations |
262.00 |
340.00 |
| 5 |
Unallocated |
2,811.00 |
6,245.00 |
|
| Total Segment Revenue
| 10,28,371.00 |
20,69,382.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
10,28,371.00 |
20,69,382.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
45,357.00 |
1,29,959.00 |
| 2 |
Retail Banking Operations |
83,556.00 |
1,38,289.00 |
| 3 |
Wholesale Banking Operations |
25,821.00 |
79,482.00 |
| 4 |
Other Banking Operations |
162.00 |
202.00 |
| 5 |
Unallocated |
(6,976.00) |
(20,718.00) |
|
Total Profit before tax |
1,47,920.00 |
3,27,214.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
(8,485.00) |
|
Profit before tax |
1,47,920.00 |
3,35,699.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
2,04,51,758.00 |
2,04,51,758.00 |
| 2 |
Retail Banking Operations |
1,90,24,705.00 |
1,90,24,705.00 |
| 3 |
Wholesale Banking Operations |
99,18,386.00 |
99,18,386.00 |
| 4 |
Other Banking Operations |
2,526.00 |
2,526.00 |
| 5 |
Unallocated |
0.00 |
0.00 |
|
Total Segment Assets |
4,93,97,375.00 |
4,93,97,375.00 |
|
Un-allocable Assets |
10,94,883.00 |
10,94,883.00 |
|
Net Segment Assets |
5,04,92,258.00 |
5,04,92,258.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
1,99,25,607.00 |
1,99,25,607.00 |
| 2 |
Retail Banking Operations |
1,74,13,152.00 |
1,74,13,152.00 |
| 3 |
Wholesale Banking Operations |
92,98,529.00 |
92,98,529.00 |
| 4 |
Other Banking Operations |
1,481.00 |
1,481.00 |
| 5 |
Unallocated |
0.00 |
0.00 |
| |
Total Segment Liabilities |
4,66,38,769.00 |
4,66,38,769.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
4,66,38,769.00 |
4,66,38,769.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
3,35,699.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
0.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
29,349.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
0.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
606.00 |
|
Other adjustments to reconcile profit (loss) |
3,818.00 |
|
Other adjustments for non-cash items |
(26,883.00) |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
6,890.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
0.00 |
|
Adjustments for decrease (increase) in other current assets |
(23,59,720.00) |
|
Adjustments for increase (decrease) in trade payables |
0.00 |
|
Adjustments for increase (decrease) in other current liabilities |
22,58,553.00 |
|
Adjustments for provisions |
61,500.00 |
|
Total adjustments for working capital |
(39,667.00)
|
|
Total adjustments for reconcile profit (loss) |
(32,777.00) |
|
Net cash flows from (used in) operations |
3,02,922.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
43,077.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
2,59,845.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
2,59,845.00 |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Proceeds from sales of tangible assets |
118.00 |
|
Purchase of tangible assets |
13,813.00 |
|
Proceeds from sales of intangible assets |
0.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
0.00 |
|
Dividends received |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
(13,695.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(13,695.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
0.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
35,077.00 |
|
Interest paid |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(35,077.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(35,077.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
2,11,073.00
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
0.00 |
|
Net increase (decrease) in cash and cash equivalents |
2,11,073.00
|
|
Cash and cash equivalents cash flow statement at beginning of period |
36,19,739.00 |
|
Cash and cash equivalents cash flow statement at end of period |
38,30,812.00 |