The Central bank of India has released its provisional business figures for Q3FY26. As per these numbers the bank had pointed to a nearly 16% growth in its total business accompanied by an increase of nearly Rs 38,000 crore in deposits. However, it is important to note that these figures are subject to review by its statutory auditors.
As per its past patterns, the state-owned lender usually announces its December-quarter results by mid to late January. Ahead of the Q3 FY26 results announcement, the bank had closed its trading window from January 1, 2026. With the trading window closure and the release of provisional numbers, the bank’s third-quarter results are expected to be announced soon, though the final figures may vary from the provisional data.
Let us compare the provisional Q3 FY26 figures with the reviewed numbers of Q3FY25 which can help us assess the likely performance of the bank:.
Total business growth at nearly 16%
Central Bank of India reported a 15.8% year-on-year growth in total business, with a 10.18% growth so far in FY26. As per the provisional data, the bank’s total business stood at Rs 7.74 lakh crore as of December 31, 2025, compared with Rs 6.69 lakh crore in the corresponding reviewed quarter last year.
Total deposits rise over 13%
The lender reported a 13.23% YoY growth in total deposits. Total deposits stood at Rs 4.51 lakh crore for the quarter ended December 31, 2025, compared with Rs 3.98 lakh crore in the corresponding reviewed quarter last year. So far in FY26, total deposits have grown 9.17%, according to the provisional figures.
CASA deposits grow over 8%
CASA deposits rose 8.53% year-on-year to Rs 2.12 lakh crore as of December 31, 2025, compared with Rs 1.95 lakh crore in the year-ago reviewed period, the bank said.
CASA ratio declines
As per the bank’s provisional data, its CASA ratio for Q3FY26 declined by 206 basis points to 47.12% as compared to 49.18% reported in the same quarter last year. This is indicative of a higher reliance on term deposits.
Gross Advances rise by over 3 lakh crore
The bank added that the gross advances for Q3FY26 stand at Rs 3.23 lakh crore, marking a 19.57% YoY growth from the reviewed Rs 2.7 lakh crore gross advances for Q3FY25.
Credit-deposit ratio rise to 72%
Further, the bank added that its CD ratio climbed by 381 basis points on a YoY basis. The provisional figures for Q3DY26 indicate a 72.06% ratio compared to 68.25% reported in the previous quarter last year.
Central Bank of India: Share Price
Following the announcement of these figures, the bank’s share price closed at Rs 38.26, down nearly 1% from its previous close. So far for FY26, the bank’s stock has delivered a return of nearly 3%.