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Central Bank of India Q2 Net Profit Rises 21% to ₹1,469 Crore on Higher Core Income

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CENTRALBK₹30.88 0.32%

Central Bank of India (NSE:CENTRALBK) reported a 21 percent increase in net profit for the second quarter ended September 30, 2026, reaching ₹1,469 crore compared to ₹1,324 crore in the same period last year. Total income grew to ₹11,737 crore from ₹10,212 crore a year earlier, while interest income expanded to ₹10,357 crore. Net interest income posted a strong 26 percent growth, rising to ₹4,146 crore.

The quarter showed progress in core earnings and operational efficiency. The bank lowered its cost-to-income ratio to 58.95 percent from 62.42 percent a year ago, supporting an operating profit increase to ₹2,268 crore. Loan portfolio quality also improved, with gross non-performing assets dropping to 2.39 percent from 3.01 percent, and net non-performing assets easing to 0.31 percent. Capital adequacy strengthened as well, with the capital to risk-weighted assets ratio rising to 17.68 percent.

Investors will look at whether the lender can sustain its net interest margin momentum while keeping bad loans low. Higher provisions, which climbed to ₹490 crore in the quarter from ₹144 crore a year earlier, will also remain a key area of focus for tracking future profitability and credit costs.

Key points

  • Central Bank of India reported a 21 percent jump in Q2 net profit to ₹1,469 crore, up from ₹1,324 crore a year ago.
  • Net interest income grew 26 percent year-over-year to ₹4,146 crore, driving total income up to ₹11,737 crore.
  • Asset quality improved as gross NPAs dropped to 2.39 percent and net NPAs declined to 0.31 percent.
  • Provisions increased significantly to ₹490 crore for the quarter, compared to ₹144 crore in the previous fiscal year's second quarter.

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Questions and answers

What was Central Bank of India's Q2 net profit?

Central Bank of India posted a net profit of ₹1,469 crore for the second quarter ended September 30, 2026, up 21 percent from ₹1,324 crore in the same period of the previous fiscal year.

How did Central Bank of India's asset quality perform in Q2?

Gross non-performing assets eased to 2.39 percent from 3.01 percent a year earlier, while net non-performing assets fell to 0.31 percent from 0.48 percent.

What was Central Bank of India's net interest income in Q2?

Net interest income rose 26 percent year-over-year to ₹4,146 crore for the September quarter, up from ₹3,283 crore in the year-ago period.