Mumbai, April 4, 2025 – Shares of Central Bank of India edged higher in early trade after the bank reported a strong 16.20% year-on-year (YoY) growth in gross advances for the fourth quarter ended March 31, 2025. The stock is currently trading at ₹37.17, up 0.79%, signaling positive investor sentiment following the robust operational update.
Solid Q4FY25 Business Growth
As per provisional data, gross advances stood at ₹2,92,531 crore, a significant increase from ₹2,51,745 crore recorded on March 31, 2024. The deposit base also expanded by 7.18% YoY, reaching ₹4,12,665 crore, compared to ₹3,85,011 crore a year ago.
The total business of the bank rose to ₹7,05,196 crore, reflecting a 10.75% YoY growth, underscoring continued momentum in both lending and deposit mobilization.
Key Financial Metrics
CASA Ratio: 48.91% as of March 31, 2025 (vs. 50.02% in FY24)
52-Week Stock Performance:
High: ₹72.99 (June 3, 2024)
Low: ₹35.95 (April 2, 2025)
Market Cap: ₹33,788.88 crore
Promoter Holding: 93.08%
Institutional Holding: 3.27%
Retail/Non-Institutional Holding: 3.65%
Segment-Wise Overview
Central Bank of India operates across key verticals including Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Services. The growth in gross advances is likely driven by improved credit offtake in both retail and wholesale segments, in line with economic expansion and rising consumption.
Market Outlook
The bank’s continued improvement in asset growth and balance sheet strength positions it well within the public sector banking space. Analysts will now watch for Q4 financial results and updates on asset quality, which could influence investor confidence further.
Bhupendra Singh Chundawat is a seasoned technology journalist with over 22 years of experience in the media industry. He specializes in covering the global technology landscape, with a deep focus on manufacturing trends and the geopolitical impact on tech companies. Currently serving as the Editor at Udaipur Kiran, his insights are shaped by decades of hands-on reporting and editorial leadership in the fast-evolving world of technology.
