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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 28-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 23-Apr-2025
Description of presentation currency INR (in Actuals)
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 28-Apr-2025   13:00:00
End date and time of board meeting 28-Apr-2025   15:15:00
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
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
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 58747400000 224563300000
Income on investments 24931200000 100962000000
Interest on balances with reserve bank of India and other inter bank funds 2300100000 9164000000
Others 553900000 3285100000
Total interest earned 86532600000 337974400000
2 Other income 18227900000 58705100000
3 Total income 104760500000 396679500000
Expenses
4 Interest expenses 52381100000 198296700000
5 Operating expenses
(i) Employees cost 18895600000 72348500000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 13315000000 44283300000
Total other operating Expenses 13315000000 44283300000
Total Operating Expenses 32210600000 116631800000
6 Total expenditure excluding provisions and contingencies 84591700000 314928500000
7 Operating profit before provision and contingencies 20168800000 81751000000
8 Provisions other than tax and contingencies 8463000000 31970300000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 11705800000 49780700000
11 Provision for Tax 1285600000 11602700000
12 Net profit (loss) from ordinary activities after tax 10420200000 38178000000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 10420200000 38178000000
15 Share of profit (loss) of associates 644700000 1254100000
16 Profit (loss) of minority interest 19100000 90000000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 11045800000 39342100000
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) 239084400000
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 1.27 4.53
Diluted earnings per share before extraordinary items 1.27 4.53
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 1.27 4.53
Diluted earnings per share after extraordinary items 1.27 4.53
(iv) NPA Ratios
Amount of gross non-performing assets 92892900000 92892900000
Amount of net non-performing assets 15818300000 15818300000
% of gross NPAs 3.18 3.18
% of net NPAs 0.56 0.56
Return on assets 0.96 0.89
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 90514000000
Reserves and surplus 278300800000
Deposits 4132709800000
Borrowings 218196400000
Other liabilities and provisions 84847400000
Total Capital Liabilities 4804568400000
2 ASSETS
Cash and Balances with Reserve Bank of India 229314300000
Balances with Banks and money at call and short notice 132659700000
Investments 1416522600000
Advances 2835054000000
Fixed Assets 52051400000
Other Assets 138966400000
Total Assets 4804568400000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
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 32692300000 126194000000
2 Retail Banking Operations 50281000000 181525000000
3 Wholesale Banking Operations 21314300000 86049200000
4 Other Banking Operations 41800000 104100000
5 Unallocated 431100000 2807200000
Total Segment Revenue 104760500000 396679500000
Less: Inter segment revenue
Income from operations 104760500000 396679500000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 8886800000 24710500000
2 Retail Banking Operations 10165100000 27231700000
3 Wholesale Banking Operations -6393000000 -101000000
4 Other Banking Operations 37700000 89100000
5 Unallocated -990800000 -2149600000
Total Profit before tax 11705800000 49780700000
i. Finance cost 1285600000 11602700000
ii. Other Unallocable Expenditure net off Unallocable income -625600000 -1164100000
Profit before tax 11045800000 39342100000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 1836645400000 1836645400000
2 Retail Banking Operations 1772060200000 1772060200000
3 Wholesale Banking Operations 1080900600000 1080900600000
4 Other Banking Operations 101700000 101700000
5 Unallocated 0 0
Total Segment Assets 4689707900000 4689707900000
Un-allocable Assets 114860500000 114860500000
Net Segment Assets 4804568400000 4804568400000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 1732205900000 1732205900000
2 Retail Banking Operations 1665169700000 1665169700000
3 Wholesale Banking Operations 1038193100000 1038193100000
4 Other Banking Operations 184900000 184900000
5 Unallocated 0 0
Total Segment Liabilities 4435753600000 4435753600000
Un-allocable Liabilities 0 0
Net Segment Liabilities 4435753600000 4435753600000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
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
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 2510400000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 244000000
Other adjustments to reconcile profit (loss) 1254100000
Other adjustments for non-cash items -644300000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 3364200000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -387937500000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 274040000000
Adjustments for provisions 28105600000
Total adjustments for working capital -85791900000
Total adjustments for reconcile profit (loss) -82427700000
Net cash flows from (used in) operations -32647000000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) -8050600000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items -24596400000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities -24596400000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 0
Purchase of tangible assets -44400000
Proceeds from sales of intangible assets -4552100000
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -4507700000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -4507700000
5 Cash flows from used in financing activities
Proceeds from issuing shares 15000000000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 0
Dividends paid 0
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items 15000000000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 15000000000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes -14104100000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents -14104100000
Cash and cash equivalents cash flow statement at beginning of period 376078000000
Cash and cash equivalents cash flow statement at end of period 361973900000


Details of Impact of Audit Qualification
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 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-2025
4 M/S. JAIN PARAS BILALA & CO Yes 31-Jul-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date