Central Bank of India
Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and other Banking business. The Treasury Operations segment includes dealing in government and other securities, money market operations and Forex operations.[1]
- Market Cap ₹ 52,789 Cr.
- Current Price ₹ 60.8
- High / Low ₹ 76.9 / 25.9
- Stock P/E 20.7
- Book Value ₹ 33.5
- Dividend Yield 0.00 %
- ROCE 5.52 %
- ROE 8.76 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 19.6% CAGR over last 5 years
- Company's working capital requirements have reduced from 40.3 days to 27.1 days
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 6.30% over past five years.
- Company has a low return on equity of 6.12% over last 3 years.
- Contingent liabilities of Rs.1,43,492 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Public Sector
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 21,861 | 24,428 | 26,409 | 25,888 | 24,661 | 24,036 | 22,639 | 23,562 | 22,730 | 22,802 | 25,542 | 30,722 |
Interest | 16,123 | 17,933 | 19,162 | 18,822 | 18,087 | 17,519 | 15,866 | 15,934 | 14,485 | 13,315 | 13,855 | 17,826 |
5,900 | 9,203 | 8,022 | 11,508 | 12,721 | 16,775 | 17,078 | 11,890 | 12,392 | 10,442 | 12,739 | 13,554 | |
Financing Profit | -163 | -2,709 | -775 | -4,443 | -6,147 | -10,258 | -10,305 | -4,261 | -4,147 | -955 | -1,053 | -658 |
Financing Margin % | -1% | -11% | -3% | -17% | -25% | -43% | -46% | -18% | -18% | -4% | -4% | -2% |
1,667 | 1,923 | 1,894 | 2,013 | 2,876 | 2,622 | 2,413 | 3,637 | 3,116 | 2,968 | 4,084 | 4,711 | |
Depreciation | 184 | 209 | 229 | 239 | 257 | 260 | 278 | 285 | 292 | 297 | 386 | 0 |
Profit before tax | 1,320 | -995 | 890 | -2,669 | -3,529 | -7,896 | -8,170 | -910 | -1,324 | 1,717 | 2,645 | 4,053 |
Tax % | 23% | -27% | 32% | 47% | 31% | 35% | 31% | -23% | 33% | 39% | 40% | 37% |
1,015 | -1,263 | 606 | -1,418 | -2,439 | -5,105 | -5,641 | -1,121 | -888 | 1,045 | 1,582 | 2,549 | |
EPS in Rs | 9.72 | -9.35 | 3.66 | -8.39 | -12.82 | -19.50 | -13.94 | -1.96 | -1.51 | 1.20 | 1.82 | 2.94 |
Dividend Payout % | 26% | 0% | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 2% |
5 Years: | 6% |
3 Years: | 11% |
TTM: | 20% |
Compounded Profit Growth | |
---|---|
10 Years: | 15% |
5 Years: | 20% |
3 Years: | 70% |
TTM: | 61% |
Stock Price CAGR | |
---|---|
10 Years: | -1% |
5 Years: | 19% |
3 Years: | 50% |
1 Year: | 126% |
Return on Equity | |
---|---|
10 Years: | -5% |
5 Years: | 2% |
3 Years: | 6% |
Last Year: | 9% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,045 | 1,350 | 1,658 | 1,690 | 1,902 | 2,618 | 4,047 | 5,710 | 5,876 | 8,681 | 8,681 | |
Reserves | 12,651 | 12,821 | 15,799 | 16,524 | 16,049 | 15,367 | 15,100 | 15,720 | 20,630 | 18,846 | 20,428 | |
Preference Capital | 1,617 | 1,617 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
244,344 | 262,149 | 281,547 | 275,392 | 305,954 | 300,545 | 305,094 | 319,550 | 335,442 | 350,166 | 367,415 | ||
10,090 | 13,176 | 12,937 | 11,860 | 9,497 | 7,695 | 6,476 | 15,269 | 7,268 | 8,729 | 9,641 | ||
Total Liabilities | 268,130 | 289,496 | 311,940 | 305,466 | 333,402 | 326,225 | 330,718 | 356,249 | 369,215 | 386,422 | 406,165 | |
2,685 | 2,804 | 2,833 | 4,359 | 4,290 | 4,343 | 4,310 | 4,336 | 5,132 | 4,955 | 4,776 | ||
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Investments | 72,604 | 86,135 | 89,740 | 88,868 | 92,095 | 102,632 | 125,298 | 142,518 | 148,582 | 140,787 | 136,583 | |
192,841 | 200,557 | 219,367 | 212,239 | 237,017 | 219,250 | 201,109 | 209,395 | 215,500 | 240,681 | 264,806 | ||
Total Assets | 268,130 | 289,496 | 311,940 | 305,466 | 333,402 | 326,225 | 330,718 | 356,249 | 369,215 | 386,422 | 406,165 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-1,109 | -2,023 | 2,248 | 308 | 61,847 | -44,396 | -14,588 | 1,771 | -1,987 | 14,268 | -8,794 | -5,916 | |
-422 | -363 | -328 | -179 | -176 | -300 | -245 | -297 | -194 | -125 | -200 | -576 | |
1,496 | 671 | 512 | 601 | 1,554 | 5,158 | 6,805 | 3,403 | 5,055 | 0 | 0 | 0 | |
Net Cash Flow | -34 | -1,714 | 2,432 | 731 | 63,225 | -39,538 | -8,028 | 4,877 | 2,874 | 14,143 | -8,995 | -6,492 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 8% | -9% | 4% | -8% | -13% | -28% | -30% | -5% | -4% | 4% | 6% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
8 May - Disclosure under Regulation 30 and Regulation 46(2)(oa) of SEBI (LODR) Regulations, 2015 Transcript of Bank''s Conference/Earnings call with the Analysts/Investors.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
1 May - Copy of Newspaper Publication of Financial Results of the Bank for FY24.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
30 Apr - Link of audio recording of conference call held with Analyst/Investors on 30th April, 2024 on Audited financial result of the Bank for the quarter and …
- Statement Of Deviation(S) Or Variation(S) As Per Regulation 32(1), 52(7) & 52(7A) Of SEBI (LODR) Regulations, 2015 For The Quarter Ended 31St March, 2024 30 Apr
- Compliances-Reg. 54 - Asset Cover details 30 Apr
Annual reports
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2012
from nse
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Financial Year 2011
from bse
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Financial Year 2010
from bse
Concalls
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May 2024Transcript PPT
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Jan 2024Transcript PPT
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Jan 2024TranscriptNotesPPT
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Oct 2023Transcript PPT
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Jul 2023Transcript PPT
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May 2023Transcript PPT
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Jan 2023Transcript PPT
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Oct 2022Transcript PPT
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Oct 2022TranscriptNotesPPT
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Jul 2022TranscriptNotesPPT
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Jul 2022TranscriptNotesPPT
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May 2022TranscriptNotesPPT
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Feb 2022Transcript PPT
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Nov 2021TranscriptPPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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Jul 2021Transcript PPT
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Nov 2020Transcript PPT
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Aug 2020Transcript PPT
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Jul 2020Transcript PPT
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Jan 2020TranscriptNotesPPT
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Jan 2020Transcript PPT
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Feb 2016TranscriptNotesPPT
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Nov 2015TranscriptNotesPPT
Ratios
Capital Adequacy Ratio - 13.84% [1]
Net Interest Margin - 3.21%
Gross NPA - 14.8%
Net NPA - 3.97%
CASA Ratio - 50.58% [2] [3]