Q3 2025 Central Bank of India Ltd Earnings Call Transcript
Key Points
- Central Bank of India (BOM:532885) reported a significant growth in net profit, achieving the highest quarterly net profit in 15 quarters at 959 crores.
- The bank's net interest margin (NIM) improved to 3.48%, up by 20 basis points from the previous year.
- Gross advances increased by 12.99%, indicating strong credit growth.
- The provision coverage ratio improved to 96.54%, reflecting better risk management.
- The bank's CASA ratio remains strong at 49.18%, supported by a robust rural and semi-urban network.
- The cost-to-income ratio remains high at 58%, above the targeted guidance of 50-52%.
- Non-interest income saw a slight decline year-on-year, primarily due to lower recovery rates.
- The bank's deposit growth was relatively weak at 5.34% year-on-year.
- There are concerns about potential pressure on retail loan growth due to increased competition and new regulatory norms.
- The bank's return on assets (ROA) is still below 1%, although it has improved to 0.87%.
Ladies and gentlemen, good day. And welcome to the Central Bank of India Q3 FY25 conference call hosted by Antique Stock broking Limited.
As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.
Should you need assistance during the conference call? Please signal an operator by pressing star then zero on your Touchstone phone.
I now hand the conference over to Mr Raju BNA from Antique Stock broking. Thank you and over to you.
Thank you. Good afternoon, everyone and thank you for joining post result conference call of Central Bank of India from the senior management side. Today we have with us CMV, Rao, MD N CEO C VHI, executive director CMB Muli Krishna, executive director, Shri Mahendra Doha, executive director and Mr Mukul Zig, Chief Financial Officer. Now without any further delay, I hand over the call to MD sir for his opening post which we will have the Q&A Thank you
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