The Central Bank of India reported a 30% decline in net profit for the January-March quarter (Q4) of FY26, totaling ₹724 crore, largely due to a one-time deferred tax liability of ₹632 crore under the Finance Act, 2026. In the same quarter of FY25, the bank's net profit was ₹1,034 crore. Despite this drop, the bank's underlying profitability indicators remained stable, with operating profit increasing 4.6% to ₹2,096 crore and net interest income (NII) rising 17.7% to ₹4,002 crore. However, non-interest income fell sharply by almost 32% to ₹1,150 crore, primarily due to a decline in treasury income from ₹409 crore to just ₹9 crore amid rising bond yields. The bank's cost-to-income ratio improved to 59.3% from 60.8% a year prior, indicating better efficiency. For the full fiscal year, net profit rose 15.4% to ₹4,369 crore, while operating profit grew 4.4% to ₹8,479 crore. The asset quality also showed improvement, with the gross non-performing asset (NPA) ratio declining to 2.67% and the net NPA ratio easing to 0.49%. The total business of the bank grew 15.6% YoY, driven by strong performance in retail, agriculture, and MSME segments, which expanded by 20.9%.