Central Bank of India

Central Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Central Bank of India

₹ 27.5 -0.40%
05 Jun 4:01 p.m.
centralbankofindia.co.in BSE: 532885 NSE : CENTRALBK
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]

Website BSE NSE
  • Market Cap ₹ 23,907 Cr.
  • Current Price ₹ 27.5
  • High / Low ₹ 41.8 / 16.1
  • Stock P/E 14.2
  • Book Value ₹ 31.7
  • Dividend Yield 0.00 %
  • ROCE 4.38 %
  • ROE 6.09 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.88 times its book value
  • Company has delivered good profit growth of 18.4% CAGR over last 5 years

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 1.21% over past five years.
  • Company has a low return on equity of 2.25% over last 3 years.
  • Contingent liabilities of Rs.1,87,339 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

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Revenue 5,955 6,041 6,079 5,809 4,900 5,494 5,518 6,075 5,816 5,555 6,184 6,746 7,171
Interest 4,019 3,886 3,713 3,571 3,373 3,356 3,300 3,324 3,381 3,397 3,421 3,444 3,643
4,389 2,546 2,715 2,560 4,815 2,343 2,873 2,702 2,303 2,671 3,039 3,401 4,043
Financing Profit -2,453 -390 -349 -321 -3,289 -205 -654 50 132 -513 -276 -99 -514
Financing Margin % -41% -6% -6% -6% -67% -4% -12% 1% 2% -9% -4% -1% -7%
789 710 710 775 845 829 1,014 304 277 832 909 919 1,424
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -1,664 320 361 454 -2,444 624 359 353 409 319 633 820 910
Tax % 8% 57% 54% 62% 45% 67% 29% 19% 22% 24% 49% 43% 37%
Net Profit -1,680 148 130 169 -1,442 251 203 285 345 276 344 476 592
EPS in Rs -2.94 0.26 0.22 0.28 -2.45 0.29 0.23 0.33 0.39 0.31 0.39 0.55 0.68
Gross NPA % 16.22% 16.48% 15.85% 15.46% 15.10% 14.78% 14.84% 9.64% 8.83% 8.41%
Net NPA % 4.71% 5.75% 5.08% 4.50% 4.37% 3.96% 3.93% 2.95% 2.09% 1.77%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Revenue 19,169 21,897 24,478 26,476 25,988 24,775 24,163 22,749 23,676 22,830 22,903 25,657
Interest 13,986 16,141 17,963 19,200 18,889 18,166 17,603 15,935 16,005 14,543 13,361 13,905
5,782 5,906 9,489 8,620 11,529 12,744 14,015 14,580 12,135 12,419 10,477 13,154
Financing Profit -599 -150 -2,974 -1,344 -4,430 -6,136 -7,455 -7,766 -4,464 -4,133 -934 -1,402
Financing Margin % -3% -1% -12% -5% -17% -25% -31% -34% -19% -18% -4% -5%
1,409 1,677 1,931 1,900 2,019 2,871 2,620 2,416 3,622 2,994 2,986 4,084
Depreciation 144 185 209 230 240 258 260 278 285 293 297 0
Profit before tax 667 1,342 -1,252 327 -2,651 -3,523 -5,096 -5,628 -1,127 -1,431 1,755 2,682
Tax % 18% 23% 0% -89% 47% 31% 0% 0% 0% 30% 38% 40%
Net Profit 616 1,071 -1,209 670 -1,392 -2,457 -5,134 -5,611 -1,252 -995 1,083 1,688
EPS in Rs 8.33 10.22 -8.99 4.02 -8.26 -12.93 -19.63 -13.88 -2.20 -1.70 1.24 1.93
Dividend Payout % 24% 24% 0% 12% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 2%
5 Years: 1%
3 Years: 3%
TTM: 12%
Compounded Profit Growth
10 Years: 5%
5 Years: 18%
3 Years: 50%
TTM: 57%
Stock Price CAGR
10 Years: -8%
5 Years: -18%
3 Years: 19%
1 Year: 50%
Return on Equity
10 Years: -7%
5 Years: -4%
3 Years: 2%
Last Year: 6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
2,353 2,662 2,967 1,658 1,690 1,902 2,618 4,047 5,710 5,876 8,681
Reserves 10,309 12,877 13,043 16,077 16,818 16,309 15,592 15,349 15,827 20,621 18,868
209,154 244,614 262,481 282,040 276,189 306,933 301,380 305,951 320,277 336,088 350,828
9,977 10,130 13,220 12,991 11,924 9,551 7,759 6,538 15,337 7,390 9,058
Total Liabilities 230,176 268,666 290,095 312,766 306,621 334,695 327,349 331,885 357,151 369,974 387,435
2,481 2,692 2,814 2,843 4,369 4,300 4,353 4,320 4,346 5,142 4,964
CWIP 0 0 0 0 0 0 0 0 0 0 0
Investments 59,388 72,751 86,262 89,921 89,087 92,277 102,769 125,453 142,526 148,518 140,775
168,308 193,223 201,018 220,001 213,165 238,118 220,227 202,112 210,279 216,315 241,696
Total Assets 230,176 268,666 290,095 312,766 306,621 334,695 327,349 331,885 357,151 369,974 387,435

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-2,068 -1,095 -2,490 2,274 281 61,871 -44,376 -14,510 1,726 -2,003 14,277 -8,786
-231 -435 -369 -332 -149 -189 -310 -251 -315 -202 -133 -209
1,143 1,496 1,153 510 599 1,543 5,154 6,796 3,396 5,055 0 0
Net Cash Flow -1,156 -34 -1,706 2,452 732 63,225 -39,533 -7,965 4,807 2,849 14,143 -8,995

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 5% 8% -8% 4% -8% -13% -28% -30% -6% -4% 4%

Shareholding Pattern

Numbers in percentages

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
92.39 89.78 89.78 89.78 93.08 93.08 93.08 93.08 93.08 93.08 93.08 93.08
0.21 0.19 0.21 0.06 0.01 0.11 0.10 0.11 0.09 0.10 0.19 0.19
4.46 7.16 5.68 4.25 2.74 2.74 2.75 2.76 2.81 2.84 2.88 2.86
2.94 2.88 4.33 5.91 4.17 4.07 4.07 4.05 4.02 3.98 3.84 3.85

* 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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