Central Bank of India

About [ edit ]

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.#

Key Points [ edit ]
  • Market Cap 9,636 Cr.
  • Current Price 16.4
  • High / Low 26.4 / 10.0
  • Stock P/E
  • Book Value 36.6
  • Dividend Yield 0.00 %
  • ROCE 4.47 %
  • ROE -6.17 %
  • Face Value 10.0

Pros

  • Stock is trading at 0.45 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -2.21% over past five years.
  • Company has a low return on equity of -21.10% for last 3 years.
  • Contingent liabilities of Rs.70463.77 Cr.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Revenue 5,719 5,712 5,813 5,504 5,745 5,919 6,058 5,955 6,041 6,079 5,809
Interest 4,031 4,026 3,987 3,891 3,942 4,019 4,025 4,019 3,886 3,713 3,571
4,283 3,666 3,463 5,966 2,507 2,478 2,829 4,389 2,546 2,787 2,560
Financing Profit -2,594 -1,981 -1,637 -4,352 -705 -579 -796 -2,453 -390 -420 -321
Financing Margin % -45% -35% -28% -79% -12% -10% -13% -41% -6% -7% -6%
Other Income 214 512 543 1,147 774 810 1,250 789 710 781 775
Depreciation 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -2,380 -1,469 -1,094 -3,205 69 231 454 -1,664 320 361 454
Tax % 36% 37% 34% 23% -68% 44% 65% 8% 57% 54% 62%
Net Profit -1,516 -935 -681 -2,485 122 139 164 -1,680 147 128 166
EPS in Rs -5.79 -3.57 -2.29 -6.14 0.29 0.34 0.29 -2.94 0.26 0.22 0.28
Gross NPA %
Net NPA %

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
Revenue 10,472 12,079 15,274 19,169 21,897 24,478 26,476 25,988 24,775 24,163 22,749 23,676 23,884
Interest 8,236 9,523 9,898 13,986 16,141 17,963 19,200 18,889 18,166 17,603 15,935 16,005 15,189
2,296 2,657 4,818 5,781 5,906 9,488 8,620 11,454 12,743 14,011 14,576 12,113 12,280
Financing Profit -60 -101 558 -598 -150 -2,973 -1,343 -4,356 -6,135 -7,451 -7,762 -4,442 -3,585
Financing Margin % -1% -1% 4% -3% -1% -12% -5% -17% -25% -31% -34% -19% -15%
Other Income 1,069 1,742 1,239 1,409 1,676 1,930 1,900 1,944 2,869 2,616 2,412 3,600 3,056
Depreciation 84 79 119 144 185 209 230 240 258 260 278 285 0
Profit before tax 926 1,561 1,679 667 1,342 -1,252 327 -2,651 -3,523 -5,096 -5,628 -1,127 -529
Tax % 38% 32% 24% 18% 23% 0% -89% 47% 31% 0% 0% 0%
Net Profit 636 1,163 1,161 613 1,067 -1,213 666 -1,396 -2,459 -5,140 -5,617 -1,256 -1,239
EPS in Rs 9.83 17.98 17.96 8.33 10.22 -8.99 4.02 -8.26 -12.93 -19.63 -13.88 -2.20 -2.18
Dividend Payout % 13% 8% 9% 24% 24% 0% 12% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years:7%
5 Years:-2%
3 Years:-2%
TTM:3%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:14%
TTM:40%
Stock Price CAGR
10 Years:-19%
5 Years:-27%
3 Years:-39%
1 Year:11%
Return on Equity
10 Years:-9%
5 Years:-17%
3 Years:-21%
Last Year:-6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
1,321 1,771 2,021 2,353 2,662 2,967 1,658 1,690 1,902 2,618 4,047 5,710
Reserves 5,207 6,142 6,958 10,309 12,877 13,043 16,077 16,283 15,626 15,592 15,136 15,827
Borrowings 132,156 169,455 192,266 209,154 244,614 262,481 282,040 276,189 306,933 301,380 305,951 320,277
10,104 6,941 10,346 9,977 10,130 13,220 12,991 12,459 10,234 7,759 6,750 15,524
Total Liabilities 147,870 182,942 209,973 230,176 268,666 290,095 312,766 306,621 334,695 327,349 331,885 357,337
2,284 2,349 2,432 2,481 2,692 2,814 2,843 4,369 4,300 4,353 4,320 4,346
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 43,144 50,740 54,580 59,388 72,751 86,262 89,921 89,087 92,277 102,769 125,453 142,526
102,442 129,853 152,961 168,308 193,223 201,018 220,001 213,165 238,118 220,227 202,112 210,466
Total Assets 147,870 182,942 209,973 230,176 268,666 290,095 312,766 306,621 334,695 327,349 331,885 357,337

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
-1,671 6,459 -6,364 -2,068 -1,095 -2,490 2,274 281 61,871 -44,376 -14,510 1,688
-62 -134 -233 -231 -435 -369 -332 -149 -189 -310 -251 -315
1,145 640 2,662 1,143 1,496 1,153 510 599 1,543 5,154 6,796 3,396
Net Cash Flow -588 6,966 -3,934 -1,156 -34 -1,706 2,452 732 63,225 -39,533 -7,965 4,769

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROE % 10% 16% 14% 6% 8% -8% 4% -8% -14% -29% -30% -6%

Shareholding Pattern

Numbers in percentages

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
78.52 86.40 88.02 91.20 89.46 89.46 92.39 92.39 92.39 89.78 89.78 89.78
0.27 0.35 0.31 0.25 0.26 0.27 0.20 0.20 0.21 0.19 0.21 0.06
18.50 10.32 9.12 6.68 6.41 6.34 4.49 4.47 4.46 7.16 5.68 4.25
2.71 2.93 2.55 1.86 3.87 3.92 2.93 2.94 2.94 2.88 4.33 5.91

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