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 |
30-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
24-04-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Fourth quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Audited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
30-04-2026
16:00:00 |
| End date and time of board meeting |
30-04-2026 17:55:00
|
| 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 |
Declaration of unmodified opinion |
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 |
01-01-2026 |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
6,39,246.00 |
24,17,739.00 |
|
Income on investments |
2,60,140.00 |
10,21,422.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
26,868.00 |
1,25,383.00 |
|
Others |
43,526.00 |
52,226.00 |
|
Total interest earned |
9,69,780.00 |
36,16,770.00 |
| 2 |
Other income |
1,16,131.00 |
6,33,058.00 |
| 3 |
Total income |
10,85,911.00 |
42,49,828.00 |
|
Expenses
|
| 4 |
Interest expenses |
5,67,652.00 |
21,92,605.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,80,438.00 |
7,60,038.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating expenses |
1,26,378.00 |
4,44,968.00 |
|
Total other operating Expenses |
1,26,378.00 |
4,44,968.00 |
|
Total Operating Expenses |
3,06,816.00 |
12,05,006.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 8,74,468.00 |
33,97,611.00 |
| 7 |
Operating profit before provision and contingencies |
2,11,443.00 |
8,52,217.00 |
| 8 |
Provisions other than tax and contingencies |
50,501.00 |
2,04,833.00 |
| 9 |
Exceptional items |
0.00 |
8,485.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 1,60,942.00 |
6,55,869.00 |
| 11 |
Provision for Tax |
87,090.00 |
2,07,518.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
73,852.00 |
4,48,351.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
73,852.00 |
4,48,351.00 |
| 15 |
Share of profit (loss) of associates
| 926.00 |
4,728.00 |
| 16
| Profit (loss) of minority interest
| 206.00 |
701.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 74,572.00 |
4,52,378.00 |
|
| 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) |
|
26,08,882.00 |
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
89.2700 |
89.2700 |
| (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
| 0.82 |
5 |
|
Diluted earnings per share before extraordinary items
| 0.82 |
5 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 0.82 |
5 |
|
Diluted earnings per share after extraordinary items
| 0.82 |
5 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 9,25,851.00 |
9,25,851.00 |
|
Amount of net non-performing assets
| 1,70,828.00 |
1,70,828.00 |
|
% of gross NPAs |
2.6700 |
2.6700 |
|
% of net NPAs
| 0.500 |
0.500 |
|
Return on assets
| 0.5700 |
0.9200 |
| 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 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
9,05,140.00 |
|
Reserves and surplus |
29,94,974.00 |
|
Deposits |
4,68,44,400.00 |
|
Borrowings |
31,85,421.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
11,77,980.00 |
|
Total of Other liabilities and provisions |
11,77,980.00 |
|
Total Capital Liabilities |
5,51,07,915.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
18,95,296.00 |
|
| Balances with Banks and money at call and short notice
| 18,88,175.00 |
|
Investments |
1,57,60,715.00 |
|
Advances |
3,38,20,860.00 |
|
Fixed Assets |
5,12,552.00 |
|
Other Assets |
|
| 1 |
Other Assets |
12,30,317.00 |
|
Total of Other Assets |
12,30,317.00 |
|
Total Assets |
5,51,07,915.00 |
|
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 |
01-01-2026 |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
3,07,704.00 |
13,55,683.00 |
| 2 |
Retail Banking Operations |
4,72,099.00 |
18,60,238.00 |
| 3 |
Wholesale Banking Operations |
2,62,118.00 |
9,83,145.00 |
| 4 |
Other Banking Operations |
1,166.00 |
1,693.00 |
| 5 |
Unallocated |
42,824.00 |
49,069.00 |
|
| Total Segment Revenue
| 10,85,911.00 |
42,49,828.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
10,85,911.00 |
42,49,828.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
35,274.00 |
2,08,607.00 |
| 2 |
Retail Banking Operations |
64,017.00 |
2,84,336.00 |
| 3 |
Wholesale Banking Operations |
28,385.00 |
1,51,272.00 |
| 4 |
Other Banking Operations |
1,083.00 |
1,359.00 |
| 5 |
Unallocated |
32,183.00 |
1,810.00 |
|
Total Profit before tax |
1,60,942.00 |
6,47,384.00 |
|
i. Finance cost |
87,090.00 |
2,07,518.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
(720.00) |
(12,512.00) |
|
Profit before tax |
74,572.00 |
4,52,378.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
2,11,76,825.00 |
2,11,76,825.00 |
| 2 |
Retail Banking Operations |
2,07,78,517.00 |
2,07,78,517.00 |
| 3 |
Wholesale Banking Operations |
1,21,81,087.00 |
1,21,81,087.00 |
| 4 |
Other Banking Operations |
1,037.00 |
1,037.00 |
| 5 |
Unallocated |
9,70,449.00 |
9,70,449.00 |
|
Total Segment Assets |
5,51,07,915.00 |
5,51,07,915.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
5,51,07,915.00 |
5,51,07,915.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
2,01,30,970.00 |
2,01,30,970.00 |
| 2 |
Retail Banking Operations |
1,89,51,462.00 |
1,89,51,462.00 |
| 3 |
Wholesale Banking Operations |
1,21,23,060.00 |
1,21,23,060.00 |
| 4 |
Other Banking Operations |
2,309.00 |
2,309.00 |
| 5 |
Unallocated |
0.00 |
0.00 |
| |
Total Segment Liabilities |
5,12,07,801.00 |
5,12,07,801.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
5,12,07,801.00 |
5,12,07,801.00 |
|
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 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
| 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 |
6,55,869.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
40,973.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
0.00
|
|
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 |
371.00 |
|
Other adjustments to reconcile profit (loss) |
4,729.00 |
|
Other adjustments for non-cash items |
(68,887.00) |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
(22,814.00)
|
| 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 |
(72,23,795.00) |
|
Adjustments for increase (decrease) in trade payables |
0.00 |
|
Adjustments for increase (decrease) in other current liabilities |
67,54,372.00 |
|
Adjustments for provisions |
1,53,927.00 |
|
Total adjustments for working capital |
(3,15,496.00)
|
|
Total adjustments for reconcile profit (loss) |
(3,38,310.00) |
|
Net cash flows from (used in) operations |
3,17,559.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
37,160.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
2,80,399.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
2,80,399.00 |
| 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 |
0.00 |
|
Purchase of tangible assets |
(400.00) |
|
Proceeds from sales of intangible assets |
(45,786.00) |
|
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 |
(45,386.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(45,386.00) |
| 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 |
71,282.00 |
|
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 |
(71,282.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(71,282.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
1,63,731.00
|
| 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 |
1,63,731.00
|
|
Cash and cash equivalents cash flow statement at beginning of period |
36,19,740.00 |
|
Cash and cash equivalents cash flow statement at end of period |
37,83,471.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Audited |
| 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 |
ADB & COMPANY |
Yes |
28-02-2027 |
| 2 |
JAIN PARAS BILALA & CO. |
Yes |
31-07-2028 |
| 3 |
AMIT RAY & CO. |
Yes |
31-03-2028 |
| 4 |
GARG ASHOK & CO. |
Yes |
30-09-2026 |