Central Bank of India

Central Bank of India

₹ 65.4 -0.50%
14 Jun - close price
About

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]

Key Points

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]

  • Market Cap 56,799 Cr.
  • Current Price 65.4
  • High / Low 76.9 / 26.7
  • Stock P/E 22.3
  • 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Revenue 4,878 5,471 5,494 6,050 5,787 5,527 6,155 6,717 7,144 7,225 7,351 7,809 8,337
Interest 3,362 3,344 3,288 3,311 3,371 3,384 3,407 3,432 3,631 4,049 4,323 4,657 4,796
4,811 2,334 2,866 2,696 2,297 2,665 3,034 3,392 4,033 3,110 3,526 3,373 3,546
Financing Profit -3,294 -207 -661 42 119 -523 -287 -108 -520 66 -498 -221 -5
Financing Margin % -68% -4% -12% 1% 2% -9% -5% -2% -7% 1% -7% -3% -0%
851 828 1,014 302 280 831 910 919 1,424 959 1,061 1,330 1,362
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -2,443 622 353 344 398 308 623 811 903 1,025 563 1,109 1,356
Tax % 45% 67% 29% 19% 22% 24% 49% 44% 37% 59% -8% 35% 40%
-1,349 206 250 279 310 235 318 458 571 418 605 718 807
EPS in Rs -2.30 0.24 0.29 0.32 0.36 0.27 0.37 0.53 0.66 0.48 0.70 0.83 0.93
Gross NPA % 16.55% 15.92% 15.52% 15.16% 14.84% 14.90% 9.67% 8.85% 8.44% 4.95% 4.62% 4.50% 4.50%
Net NPA % 5.77% 5.09% 4.51% 4.39% 3.97% 3.93% 2.95% 2.09% 1.77% 1.75% 1.64% 1.27% 1.23%
Raw PDF

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: 24%
3 Years: 48%
1 Year: 145%
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%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
93.08% 93.08% 93.08% 93.08% 93.08% 93.08% 93.08% 93.08% 93.08% 93.08% 93.08% 93.08%
0.01% 0.11% 0.10% 0.11% 0.09% 0.10% 0.19% 0.19% 0.15% 0.16% 0.07% 0.17%
2.74% 2.74% 2.75% 2.76% 2.81% 2.84% 2.88% 2.86% 2.83% 2.84% 2.79% 2.80%
4.17% 4.07% 4.07% 4.05% 4.02% 3.98% 3.84% 3.85% 3.95% 3.91% 4.04% 3.95%
No. of Shareholders 3,56,9233,59,6763,68,2233,68,9393,70,0743,76,9924,15,8684,15,7924,34,3845,03,8975,29,5916,43,550

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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