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 ₹ 35,898 Cr.
- Current Price ₹ 39.7
- High / Low ₹ 67.6 / 32.8
- Stock P/E 9.07
- Book Value ₹ 40.8
- Dividend Yield 0.47 %
- ROCE 5.48 %
- ROE 11.4 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.97 times its book value
- Company has delivered good profit growth of 39.2% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 7.38% over past five years.
- Company has a low return on equity of 8.87% over last 3 years.
- Contingent liabilities of Rs.1,51,986 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
Financial Services Financial Services Banks Public Sector Bank
Part of BSE 500 BSE 200 BSE PSU Nifty 500 BSE MidCap
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
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24,478 | 26,476 | 25,988 | 24,775 | 24,163 | 22,749 | 23,676 | 22,830 | 22,903 | 25,657 | 30,849 | 33,797 | |
Interest | 17,963 | 19,200 | 18,889 | 18,166 | 17,603 | 15,935 | 16,005 | 14,543 | 13,361 | 13,905 | 17,882 | 19,830 |
9,489 | 8,620 | 11,529 | 12,744 | 14,015 | 14,580 | 12,135 | 12,419 | 10,477 | 12,778 | 13,099 | 14,314 | |
Financing Profit | -2,974 | -1,344 | -4,430 | -6,136 | -7,455 | -7,766 | -4,464 | -4,133 | -934 | -1,026 | -133 | -346 |
Financing Margin % | -12% | -5% | -17% | -25% | -31% | -34% | -19% | -18% | -4% | -4% | -0% | -1% |
1,931 | 1,900 | 2,019 | 2,871 | 2,620 | 2,416 | 3,622 | 2,994 | 2,986 | 4,164 | 4,814 | 5,996 | |
Depreciation | 209 | 230 | 240 | 258 | 260 | 278 | 285 | 293 | 297 | 386 | 500 | 558 |
Profit before tax | -1,252 | 327 | -2,651 | -3,523 | -5,096 | -5,628 | -1,127 | -1,431 | 1,755 | 2,752 | 4,181 | 5,092 |
Tax % | 0% | -89% | -47% | -31% | 0% | 0% | 0% | -30% | 38% | 39% | 36% | 23% |
-1,209 | 670 | -1,392 | -2,457 | -5,134 | -5,611 | -1,252 | -995 | 1,083 | 1,688 | 2,677 | 3,943 | |
EPS in Rs | -8.99 | 4.02 | -8.26 | -12.93 | -19.63 | -13.88 | -2.20 | -1.70 | 1.24 | 1.93 | 3.07 | 4.35 |
Dividend Payout % | 0% | 12% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 4% |
Compounded Sales Growth | |
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10 Years: | 2% |
5 Years: | 7% |
3 Years: | 14% |
TTM: | 10% |
Compounded Profit Growth | |
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10 Years: | 20% |
5 Years: | 39% |
3 Years: | 55% |
TTM: | 48% |
Stock Price CAGR | |
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10 Years: | -9% |
5 Years: | 17% |
3 Years: | 33% |
1 Year: | -37% |
Return on Equity | |
---|---|
10 Years: | -3% |
5 Years: | 6% |
3 Years: | 9% |
Last Year: | 11% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,350 | 1,658 | 1,690 | 1,902 | 2,618 | 4,047 | 5,710 | 5,876 | 8,681 | 8,681 | 8,681 | 9,051 |
Reserves | 13,043 | 16,077 | 16,818 | 16,309 | 15,592 | 15,349 | 15,827 | 20,621 | 18,868 | 20,536 | 23,693 | 27,830 |
Deposits | 246,866 | 262,263 | 266,686 | 297,309 | 295,354 | 300,311 | 314,201 | 330,328 | 343,165 | 359,775 | 385,541 | 413,271 |
Borrowing | 17,232 | 19,777 | 9,503 | 9,623 | 6,026 | 5,640 | 6,076 | 5,760 | 7,663 | 8,334 | 20,013 | 21,820 |
11,603 | 12,991 | 11,924 | 9,551 | 7,759 | 6,538 | 15,337 | 7,390 | 8,915 | 9,754 | 9,844 | 8,485 | |
Total Liabilities | 290,095 | 312,766 | 306,621 | 334,695 | 327,349 | 331,885 | 357,151 | 369,974 | 387,292 | 407,080 | 447,772 | 480,457 |
2,814 | 2,843 | 4,369 | 4,300 | 4,353 | 4,320 | 4,346 | 5,142 | 4,964 | 4,786 | 5,345 | 5,214 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 86,262 | 89,921 | 89,087 | 92,277 | 102,769 | 125,453 | 142,526 | 148,518 | 140,775 | 136,569 | 144,010 | 141,652 |
201,018 | 220,001 | 213,165 | 238,118 | 220,227 | 202,112 | 210,279 | 216,315 | 241,553 | 265,725 | 298,416 | 333,591 | |
Total Assets | 290,095 | 312,766 | 306,621 | 334,695 | 327,349 | 331,885 | 357,151 | 369,974 | 387,292 | 407,080 | 447,772 | 480,457 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-2,490 | 2,274 | 281 | 61,871 | -44,376 | -14,510 | 1,726 | -2,003 | 14,277 | -8,786 | -5,910 | -2,460 | |
-369 | -332 | -149 | -189 | -310 | -251 | -315 | -202 | -133 | -209 | -584 | -451 | |
1,153 | 510 | 599 | 1,543 | 5,154 | 6,796 | 3,396 | 5,055 | 0 | 0 | 0 | 1,500 | |
Net Cash Flow | -1,706 | 2,452 | 732 | 63,225 | -39,533 | -7,965 | 4,807 | 2,849 | 14,143 | -8,995 | -6,494 | -1,410 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
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ROE % | -9% | 4% | -8% | -13% | -28% | -30% | -6% | -4% | 4% | 6% | 9% | 11% |
Documents
Announcements
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Letter To Shareholders- Weblink Of AGM Notice And Annual Report
6h - Central Bank of India announces 18th AGM on 19 July 2025 and dispatches FY 2024-25 Integrated Annual Report.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
6h - Newspaper Publication regarding Notice of 18th Annual General Meeting of the Bank.
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Reg. 34 (1) Annual Report.
2d - Central Bank of India FY2024-25 Integrated Annual Report: 48.49% profit rise to ₹3,785 Cr, strong capital and ESG focus.
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Intimation Under Regulation 30 And 51 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015.
2d - Central Bank acquires 25.18% stake in FGILICL; executes key agreements for insurance business collaboration.
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Intimation Under Regulation 30 And 51 Of The SEBI (LODR) Regulations, 2015.
2d - Central Bank acquires 24.91% stake in FGIICL; executes SHA, Trademark License, and Distribution Agreements.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
from bse
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Financial Year 2012
from nse
Concalls
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May 2025Transcript PPT REC
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Apr 2025TranscriptNotesPPT
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Oct 2022Transcript 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]