Central Bank of India's July to September profit rises 21% to ₹1,469 crore
Central Bank of India reported a standalone net profit of ₹1,469 crore for July to September 2026, up 21.1% from ₹1,213 crore a year earlier. Its gross bad-loan ratio was 2.39%, against 3.01% a year earlier.
Central Bank of India, a government-owned bank, reported a standalone net profit of ₹1,469 crore for the quarter ended 30 September 2026 (July to September, the second quarter of the financial year 2026-27, or Q2 FY27). That is 21.1% more than the ₹1,213 crore it reported for the same quarter a year earlier. The figures are as reported by the bank and carried by news outlets; the bank’s own filing could not be opened for this article.
Key terms
- Net profit is the profit left after all expenses, provisions and tax.
- Standalone means the bank’s own accounts only, without subsidiaries.
- Net interest income (NII) is the interest a bank earns on loans and investments minus the interest it pays on deposits and borrowings.
- Operating profit is profit before money is set aside for bad loans and other contingencies.
- Gross NPA is the share of loans on which borrowers have stopped paying on time (a non-performing asset). Net NPA is the same share after subtracting the money the bank has set aside against those loans.
- Provision coverage ratio is the share of bad-loan amounts covered by money set aside.
- Capital adequacy ratio is the bank’s capital as a share of its risk-weighted assets.
Q2 FY27 results
Amounts are in ₹ crore and are as reported. YoY means year on year: compared with the same quarter a year earlier (July to September 2025). The percentage changes are this site’s arithmetic on the reported figures (net profit 1,469 against 1,213 is +21.1%; NII 4,146 against 3,283 is +26.3%; operating profit 2,268 against 1,786 is +27.0%).
| Metric | Q2 FY27 | Q2 FY26 | Change YoY |
|---|---|---|---|
| Net profit | 1,469 | 1,213 | +21.1% |
| Net interest income | 4,146 | 3,283 | +26.3% |
| Operating profit | 2,268 | 1,786 | +27.0% |
Asset quality and capital, as of 30 September 2026
As reported, gross NPA was 2.39% of gross loans, against 3.01% a year earlier. Net NPA was 0.31%. The provision coverage ratio was 97.16%, and the capital adequacy ratio was 17.68%.
Loans and deposits
Global advances (loans in India and abroad) were reported at ₹3,81,032 crore, up 29.8% year on year. Total domestic deposits were ₹5,08,509 crore, up 14.4%. One lakh crore is ₹1,00,000 crore, or ₹1 trillion.
Basis of these figures
The bank’s results filing on BSE (linked in the Investywise report) and NSE could not be opened, and no press release was found, so every figure is attributed to the Whalesbook, NiftyTrader and Investywise reports of 17 October 2026, which agree on the net profit, NII, operating profit, NPA, provision coverage, capital adequacy, advances and deposit figures. The year-ago profit of ₹1,213 crore matches Business Standard’s report on the bank’s Q2 FY26 result. The net profit, NII and operating profit percentage changes are recomputed from the reported amounts; some outlets round operating profit growth to 26.9%, which differs slightly from the 27.0% the reported amounts give. Net interest margin and the CASA ratio are not stated here because the outlets did not carry them consistently.