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PSU lender Central Bank of India posted a net profit of Rs 1,034 crore for the fourth quarter ended March 31, 2025, marking a 28.13 percent year-on-year growth, the bank's highest yet.

For the full fiscal year FY25, the bank’s net profit surged 48.49 percent to Rs 3,785 crore from Rs 2,549 crore in FY24, driven by strong credit growth, improved asset quality, and stable margins, according to the investor presentation.

The total business crossed Rs 7 lakh crore to reach Rs 7,02,798 crore, which is a growth of 10.37 percent year-on-year.

Advances rose sharply by 15.24 percent to Rs 2,90,101 crore, while deposits grew by 7.19 percent to Rs 4,12,697 crore.

In terms of asset quality, its Gross Non-Performing Assets (GNPA) ratio fell to 3.18 percent as of March 2025, down from 4.50 percent a year earlier.

Similarly, Net NPA improved to 0.55 percent, compared to 1.23 percent at the end of FY24.

The Provision Coverage Ratio (PCR) strengthened to 96.54 percent.

The bank’s operating profit rose 10.34 percent year-on-year to Rs 8,124 crore, while net interest income (NII) for FY25 increased by 7.76 percent to Rs 13,897 crore.

However, net interest margin (NIM) remained stable at 3.40 percent.

Central Bank’s return on assets (ROA) improved to 0.86 percent and return on equity (ROE) climbed to 12.48 percent for FY25.

Managing Director and CEO of Central Bank of India said, “Our strong financial performance in FY25 showcases the success of our focused strategy on asset quality improvement, digital transformation, and business expansion. We are confident of achieving even stronger growth in FY26.”

Looking ahead, the bank has set an ambitious guidance for FY26, targeting 12–14 percent business growth and aims to keep gross NPA below 3 percent and net NPA below 0.45 percent, alongside maintaining a NIM above 3 percent and ROA above 1 percent, according to the presentation.

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