Central Bank of India's Q4FY25 Quarter Results
- 2d ago
Result Summary
- Central Bank of India reported a 0.4% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 13.2%.
- Its expenses for the quarter were down by 1.7% QoQ and up 18.3% YoY.
- The net profit decreased 15.4% QoQ and increased 38.1% YoY.
- The earnings per share (EPS) of Central Bank of India stood at 0.9 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 9734.30 | 9774.25 | 8595.68 | -0.4% | 13.2% |
Total Expenses | 7661.90 | 7797.53 | 6478.27 | -1.7% | 18.3% |
Provisions & contingencies | 709.89 | 559.03 | 1207.38 | 27.0% | -41.2% |
Profit Before Tax | 1362.51 | 1417.69 | 910.03 | -3.9% | 49.7% |
Tax | 550.68 | 449.51 | 334.97 | 22.5% | 64.4% |
Profit After Tax | 817.46 | 966.05 | 592.11 | -15.4% | 38.1% |
Earnings Per Share | 0.90 | 1.10 | 0.70 | -18.2% | 28.6% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Central Bank of India is a prominent public sector bank in India, primarily engaged in providing a range of financial services, including retail and corporate banking, treasury operations, and other financial services. It is one of the oldest and largest commercial banks in India, serving a diverse customer base across the country. While the specific details about recent major developments are not provided in the data, Central Bank of India typically focuses on expanding its digital banking capabilities, improving customer service, and enhancing its financial inclusion initiatives.
Revenue
In Q4FY25, Central Bank of India reported a total income of ₹9734.30 crores, a slight decrease of 0.4% quarter-over-quarter (QoQ) compared to ₹9774.25 crores in Q3FY25. Year-over-year (YoY), the total income increased by 13.2% from ₹8595.68 crores in Q4FY24. This reflects a significant increase in revenue generation over the year. The decrease on a quarterly basis is marginal, indicating relatively stable income levels. Such financial figures are critical in assessing the bank’s revenue performance over different periods.
Profitability
The profitability metrics for Central Bank of India indicate a profit before tax (PBT) of ₹1362.51 crores in Q4FY25. This represents a decline of 3.9% QoQ from ₹1417.69 crores in Q3FY25 but a substantial increase of 49.7% YoY compared to ₹910.03 crores in Q4FY24. The tax expenses for Q4FY25 were ₹550.68 crores, which is an increase of 22.5% QoQ and 64.4% YoY. The profit after tax (PAT) was ₹817.46 crores, decreasing by 15.4% QoQ from ₹966.05 crores in Q3FY25 but increasing by 38.1% YoY from ₹592.11 crores in Q4FY24. Earnings per Share (EPS) were ₹0.90 in Q4FY25, down 18.2% QoQ from ₹1.10 in Q3FY25, yet up 28.6% YoY from ₹0.70 in Q4FY24, indicating a notable improvement in profitability over the year despite a decline on a quarterly basis.
Operating Metrics
The financial data indicates that Central Bank of India had total expenses of ₹7661.90 crores in Q4FY25, which decreased by 1.7% QoQ from ₹7797.53 crores in Q3FY25. On a YoY basis, total expenses increased by 18.3% from ₹6478.27 crores in Q4FY24. Provisions and contingencies in Q4FY25 were ₹709.89 crores, showing a significant increase of 27.0% QoQ but a decrease of 41.2% YoY compared to ₹1207.38 crores in Q4FY24. The increase in provisions and contingencies QoQ could be attributed to the bank's approach to managing potential risks. The trends in expenses and provisions are crucial for understanding the bank's operational efficiency and risk management strategies over the periods.
