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 |
01-04-2026 |
| Date of end of financial year |
31-03-2027 |
| Date of board meeting when results were approved |
17-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
12-10-2026 |
| 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 |
17-10-2026
11:45:00 |
| End date and time of board meeting |
17-10-2026 13:15:00
|
| 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 |
01-07-2026 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
7,26,495.00 |
14,05,308.00 |
|
Income on investments |
2,71,929.00 |
5,36,560.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
36,368.00 |
61,671.00 |
|
Others |
4,598.00 |
8,441.00 |
|
Total interest earned |
10,39,390.00 |
20,11,980.00 |
| 2 |
Other income |
1,38,048.00 |
2,36,897.00 |
| 3 |
Total income |
11,77,438.00 |
22,48,877.00 |
|
Expenses
|
| 4 |
Interest expenses |
6,22,665.00 |
12,02,060.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
2,07,713.00 |
3,84,077.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
OTHER OPERATING EXPENSES |
1,19,128.00 |
2,15,183.00 |
|
Total other operating Expenses |
1,19,128.00 |
2,15,183.00 |
|
Total Operating Expenses |
3,26,841.00 |
5,99,260.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 9,49,506.00 |
18,01,320.00 |
| 7 |
Operating profit before provision and contingencies |
2,27,932.00 |
4,47,557.00 |
| 8 |
Provisions other than tax and contingencies |
56,434.00 |
96,937.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 1,71,498.00 |
3,50,620.00 |
| 11 |
Provision for Tax |
23,981.00 |
70,208.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
1,47,517.00 |
2,80,412.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
1,47,517.00 |
2,80,412.00 |
| 15 |
Share of profit (loss) of associates
| 1,329.00 |
895.00 |
| 16
| Profit (loss) of minority interest
| 247.00 |
395.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 1,48,599.00 |
2,80,912.00 |
|
| 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 |
81.1900 |
81.1900 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
15.9700 |
15.9700 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 1.64 |
3.1 |
|
Diluted earnings per share before extraordinary items
| 1.64 |
3.1 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 1.64 |
3.1 |
|
Diluted earnings per share after extraordinary items
| 1.64 |
3.1 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 9,19,220.00 |
9,19,220.00 |
|
Amount of net non-performing assets
| 1,19,310.00 |
1,19,310.00 |
|
% of gross NPAs |
2.400 |
2.400 |
|
% of net NPAs
| 0.3200 |
0.3200 |
|
Return on assets
| 1.0500 |
1.0200 |
| 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 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
| 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 |
32,58,712.00 |
|
Deposits |
5,08,86,256.00 |
|
Borrowings |
38,90,814.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
9,51,752.00 |
| 2 |
MINORITIES INTEREST |
9,514.00 |
|
Total of Other liabilities and provisions |
9,61,266.00 |
|
Total Capital Liabilities |
5,99,02,188.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
17,80,955.00 |
|
| Balances with Banks and money at call and short notice
| 25,13,509.00 |
|
Investments |
1,64,47,470.00 |
|
Advances |
3,74,37,736.00 |
|
Fixed Assets |
5,16,331.00 |
|
Other Assets |
|
| 1 |
Other Assets |
12,05,298.00 |
| 2 |
GOOD WILL ON CONSOLIDATION |
889.00 |
|
Total of Other Assets |
12,06,187.00 |
|
Total Assets |
5,99,02,188.00 |
|
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 |
01-07-2026 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
3,34,605.00 |
6,68,788.00 |
| 2 |
RETAIL BANKING OPERATIONS |
5,14,598.00 |
10,24,756.00 |
| 3 |
WHOLESALE OPERATIONS |
3,23,940.00 |
5,47,565.00 |
| 4 |
OTHER BANKING OPERATIONS |
214.00 |
402.00 |
| 5 |
UNALLOCATED |
4,080.00 |
7,365.00 |
|
| Total Segment Revenue
| 11,77,437.00 |
22,48,876.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
11,77,437.00 |
22,48,876.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
TREASURY OPERATIONS |
79,256.00 |
1,41,382.00 |
| 2 |
RETAIL BANKING OPERATIONS |
38,934.00 |
1,77,255.00 |
| 3 |
WHOLESALE OPERATIONS |
60,127.00 |
46,213.00 |
| 4 |
OTHER BANKING OPERATIONS |
102.00 |
168.00 |
| 5 |
UNALLOCATED |
(6,921.00) |
(14,398.00) |
|
Total Profit before tax |
1,71,498.00 |
3,50,620.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
1,71,498.00 |
3,50,620.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
TREASURY OPERATIONS |
2,12,90,882.00 |
2,12,90,882.00 |
| 2 |
RETAIL BANKING OPERATIONS |
2,35,55,288.00 |
2,35,55,288.00 |
| 3 |
WHOLESALE OPERATIONS |
1,41,75,090.00 |
1,41,75,090.00 |
| 4 |
OTHER BANKING OPERATIONS |
1,243.00 |
1,243.00 |
| 5 |
UNALLOCATED |
8,79,685.00 |
8,79,685.00 |
|
Total Segment Assets |
5,99,02,188.00 |
5,99,02,188.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
5,99,02,188.00 |
5,99,02,188.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
TREASURY OPERATIONS |
2,09,44,531.00 |
2,09,44,531.00 |
| 2 |
RETAIL BANKING OPERATIONS |
2,16,16,720.00 |
2,16,16,720.00 |
| 3 |
WHOLESALE OPERATIONS |
1,31,75,340.00 |
1,31,75,340.00 |
| 4 |
OTHER BANKING OPERATIONS |
1,744.00 |
1,744.00 |
| 5 |
UNALLOCATED |
0.00 |
0.00 |
| |
Total Segment Liabilities |
5,57,38,335.00 |
5,57,38,335.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
5,57,38,335.00 |
5,57,38,335.00 |
|
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 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
| 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 |
3,50,620.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
(11,019.00) |
|
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 |
227.00 |
|
Other adjustments to reconcile profit (loss) |
31,144.00 |
|
Other adjustments for non-cash items |
752.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
21,104.00
|
| 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 |
(44,20,189.00) |
|
Adjustments for increase (decrease) in trade payables |
0.00 |
|
Adjustments for increase (decrease) in other current liabilities |
44,88,920.00 |
|
Adjustments for provisions |
84,175.00 |
|
Total adjustments for working capital |
1,52,906.00
|
|
Total adjustments for reconcile profit (loss) |
1,74,010.00 |
|
Net cash flows from (used in) operations |
5,24,630.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
(22,284.00) |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
5,46,914.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
5,46,914.00 |
| 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 |
7,430.00
|
|
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 |
(123.00) |
|
Proceeds from sales of intangible assets |
(28,613.00) |
|
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 |
(35,920.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(35,920.00) |
| 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 |
0.00 |
|
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 |
0.00
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
0.00
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
5,10,994.00
|
| 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 |
5,10,994.00
|
|
Cash and cash equivalents cash flow statement at beginning of period |
37,83,470.00 |
|
Cash and cash equivalents cash flow statement at end of period |
42,94,464.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| 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 |
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 |