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 21.3
  • Book Value 33.7
  • Dividend Yield 0.00 %
  • ROCE 5.53 %
  • ROE 9.13 %
  • Face Value 10.0

Pros

  • Company has delivered good profit growth of 19.9% CAGR over last 5 years
  • Company's working capital requirements have reduced from 39.2 days to 26.7 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 6.28% over past five years.
  • Company has a low return on equity of 6.40% over last 3 years.
  • Contingent liabilities of Rs.1,43,504 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

Loading peers table ...

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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 4,900 5,494 5,518 6,075 5,816 5,555 6,184 6,746 7,171 7,259 7,377 7,842 8,371
Interest 3,373 3,356 3,300 3,324 3,381 3,397 3,421 3,444 3,643 4,062 4,338 4,672 4,811
4,815 2,343 2,873 2,702 2,303 2,671 3,039 3,401 4,043 3,118 3,534 3,377 3,561
Financing Profit -3,289 -205 -654 50 132 -513 -276 -99 -514 79 -495 -207 -1
Financing Margin % -67% -4% -12% 1% 2% -9% -4% -1% -7% 1% -7% -3% -0%
845 829 1,014 304 277 832 909 919 1,424 959 1,062 1,329 1,363
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -2,444 624 359 353 409 319 633 820 910 1,038 567 1,122 1,363
Tax % 45% 67% 29% 19% 22% 24% 49% 43% 37% 59% -7% 35% 40%
-1,442 251 203 285 345 276 344 476 592 498 623 738 817
EPS in Rs -2.45 0.29 0.23 0.33 0.39 0.31 0.39 0.55 0.68 0.57 0.72 0.85 0.94
Gross NPA % 16.48% 15.85% 15.46% 15.10% 14.78% 14.84% 9.64% 8.83% 8.41% 4.95% 4.61% 4.50% 4.50%
Net NPA % 5.75% 5.08% 4.50% 4.37% 3.96% 3.93% 2.95% 2.09% 1.77% 1.75% 1.64% 1.28% 1.24%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 21,897 24,478 26,476 25,988 24,775 24,163 22,749 23,676 22,830 22,903 25,657 30,849
Interest 16,141 17,963 19,200 18,889 18,166 17,603 15,935 16,005 14,543 13,361 13,905 17,882
5,906 9,489 8,620 11,529 12,744 14,015 14,580 12,135 12,419 10,477 12,778 13,590
Financing Profit -150 -2,974 -1,344 -4,430 -6,136 -7,455 -7,766 -4,464 -4,133 -934 -1,026 -623
Financing Margin % -1% -12% -5% -17% -25% -31% -34% -19% -18% -4% -4% -2%
1,677 1,931 1,900 2,019 2,871 2,620 2,416 3,622 2,994 2,986 4,164 4,713
Depreciation 185 209 230 240 258 260 278 285 293 297 386 0
Profit before tax 1,342 -1,252 327 -2,651 -3,523 -5,096 -5,628 -1,127 -1,431 1,755 2,752 4,090
Tax % 23% 0% -89% 47% 31% 0% 0% 0% 30% 38% 39% 37%
1,071 -1,209 670 -1,392 -2,457 -5,134 -5,611 -1,252 -995 1,083 1,688 2,677
EPS in Rs 10.22 -8.99 4.02 -8.26 -12.93 -19.63 -13.88 -2.20 -1.70 1.24 1.93 3.07
Dividend Payout % 24% 0% 12% 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: 68%
TTM: 59%
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

Consolidated Figures in Rs. Crores / View Standalone

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 12,877 13,043 16,077 16,818 16,309 15,592 15,349 15,827 20,621 18,868 20,536
Preference Capital 1,617 1,617 0 0 0 0 0 0 0 0 0
244,614 262,481 282,040 276,189 306,933 301,380 305,951 320,277 336,088 350,828 368,109
10,130 13,220 12,991 11,924 9,551 7,759 6,538 15,337 7,390 8,915 9,754
Total Liabilities 268,666 290,095 312,766 306,621 334,695 327,349 331,885 357,151 369,974 387,292 407,080
2,692 2,814 2,843 4,369 4,300 4,353 4,320 4,346 5,142 4,964 4,786
CWIP 0 0 0 0 0 0 0 0 0 0 0
Investments 72,751 86,262 89,921 89,087 92,277 102,769 125,453 142,526 148,518 140,775 136,569
193,223 201,018 220,001 213,165 238,118 220,227 202,112 210,279 216,315 241,553 265,725
Total Assets 268,666 290,095 312,766 306,621 334,695 327,349 331,885 357,151 369,974 387,292 407,080

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1,095 -2,490 2,274 281 61,871 -44,376 -14,510 1,726 -2,003 14,277 -8,786 -5,910
-435 -369 -332 -149 -189 -310 -251 -315 -202 -133 -209 -584
1,496 1,153 510 599 1,543 5,154 6,796 3,396 5,055 0 0 0
Net Cash Flow -34 -1,706 2,452 732 63,225 -39,533 -7,965 4,807 2,849 14,143 -8,995 -6,494

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 9% -9% 4% -8% -13% -28% -30% -6% -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.

Click on the line-items to see the names of individual entities.

Documents

Concalls