Central Bank of India Q2 profit rises 21% to Rs 1,469 crore

Central Bank of India reported net profit of Rs 1,469 crore for the quarter ended September 2026, up 21% from Rs 1,213 crore a year earlier, Economic Times Markets reported. The earnings increase came alongside 30% growth in advances and an improvement in the bank's net bad-loan ratio.

Net interest income—the difference between interest earned and interest paid—rose 26% year on year to Rs 4,146 crore from Rs 3,283 crore. Total income, comprising interest and non-interest income, increased 15% to Rs 11,737 crore from Rs 10,213 crore.

Other income, which includes fees and treasury earnings, moved in the opposite direction, falling 6% to Rs 1,380 crore from Rs 1,469 crore.

Loan book expands; net NPA ratio falls

Total advances reached Rs 3.81 lakh crore in September 2026, compared with Rs 2.93 lakh crore a year earlier. The retail, agriculture and micro, small and medium enterprises segment grew 21%. Within the loan book, retail lending increased 24.49% to Rs 1.12 lakh crore.

The net non-performing asset ratio declined to 0.31% from 0.48% a year earlier, an improvement of 17 basis points. Operating efficiency also strengthened: the cost-to-income ratio fell to 58.95% from 62.42%, indicating a smaller share of income was absorbed by operating costs.