Central Bank of India

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Central Bank of India

₹ 31.2 -0.16%
24 Aug 11:52 a.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

Key Ratios Q3 FY26[1][2][3][4]
Capital Adequacy Ratio - 16.13%
Net Interest Margin - 2.96%
Gross NPA -2.7%
Net NPA - 0.45%
CASA Ratio - 47.13%

Website BSE NSE
  • Market Cap ₹ 28,268 Cr.
  • Current Price ₹ 31.2
  • High / Low ₹ 40.9 / 29.3
  • Stock P/E 6.23
  • Book Value ₹ 45.2
  • Dividend Yield 3.84 %
  • ROCE 5.64 %
  • ROE 11.9 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.69 times its book value
  • Stock is providing a good dividend yield of 3.85%.
  • Company has delivered good profit growth of 45.9% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.64% over past five years.
  • Company has a low return on equity of 10.8% over last 3 years.
  • Contingent liabilities of Rs.2,20,772 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 Nifty Smallcap 500 Nifty 500 Nifty MidSmallcap400 50:50 Nifty PSU Bank BSE PSU

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
7,259 7,377 7,842 8,371 8,367 8,235 8,542 8,653 8,623 8,777 9,070 9,698 9,726
Interest 4,062 4,338 4,672 4,811 4,801 4,807 4,984 5,238 5,222 5,476 5,552 5,677 5,794
3,118 3,534 3,377 3,561 3,920 3,500 3,373 3,968 3,381 3,328 3,853 3,573 3,129
Financing Profit 79 -495 -207 -1 -354 -71 185 -553 21 -28 -335 448 803
Financing Margin % 1% -7% -3% -0% -4% -1% 2% -6% 0% -0% -4% 5% 8%
959 1,062 1,329 1,363 1,166 1,649 1,232 1,723 1,857 1,507 1,927 1,161 988
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,038 567 1,122 1,363 812 1,578 1,418 1,171 1,878 1,479 1,592 1,609 1,791
Tax % 59% -7% 35% 40% -9% 42% 32% 11% 33% 18% 21% 54% 26%
498 623 738 817 945 926 966 1,106 1,284 1,234 1,265 748 1,325
EPS in Rs 0.57 0.72 0.85 0.94 1.09 1.06 1.11 1.22 1.42 1.36 1.40 0.82 1.46
Gross NPA % 4.95% 4.61% 4.50% 4.50% 4.54% 4.59% 3.87% 3.18% 3.14% 3.02% 2.71% 2.67% 2.61%
Net NPA % 1.75% 1.64% 1.28% 1.24% 0.75% 0.70% 0.61% 0.56% 0.50% 0.49% 0.46% 0.50% 0.51%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
26,476 25,988 24,775 24,163 22,749 23,676 22,830 22,903 25,657 30,849 33,797 36,168 37,270
Interest 19,200 18,889 18,166 17,603 15,935 16,005 14,543 13,361 13,905 17,882 19,830 21,926 22,498
8,620 11,529 12,744 14,015 14,580 12,135 12,419 10,477 12,778 13,099 14,102 13,578 13,884
Financing Profit -1,344 -4,430 -6,136 -7,455 -7,766 -4,464 -4,133 -934 -1,026 -133 -134 664 888
Financing Margin % -5% -17% -25% -31% -34% -19% -18% -4% -4% -0% -0% 2% 2%
1,900 2,019 2,871 2,620 2,416 3,622 2,994 2,986 4,164 4,814 5,784 6,463 5,584
Depreciation 230 240 258 260 278 285 293 297 386 500 558 530 0
Profit before tax 327 -2,651 -3,523 -5,096 -5,628 -1,127 -1,431 1,755 2,752 4,181 5,092 6,597 6,472
Tax % -89% -47% -31% 0% 0% 0% -30% 38% 39% 36% 23% 31%
670 -1,392 -2,457 -5,134 -5,611 -1,252 -995 1,083 1,688 2,677 3,943 4,531 4,571
EPS in Rs 4.02 -8.26 -12.93 -19.63 -13.88 -2.20 -1.70 1.24 1.93 3.07 4.35 5.00 5.04
Dividend Payout % 12% 0% 0% 0% 0% 0% 0% 0% 0% 0% 4% 36%
Compounded Sales Growth
10 Years: 3%
5 Years: 10%
3 Years: 12%
TTM: 9%
Compounded Profit Growth
10 Years: 18%
5 Years: 46%
3 Years: 39%
TTM: 8%
Stock Price CAGR
10 Years: -11%
5 Years: 9%
3 Years: -4%
1 Year: -13%
Return on Equity
10 Years: -1%
5 Years: 9%
3 Years: 11%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 1,658 1,690 1,902 2,618 4,047 5,710 5,876 8,681 8,681 8,681 9,051 9,051
Reserves 16,077 16,818 16,309 15,592 15,349 15,827 20,621 18,868 20,536 23,693 27,830 29,950
Deposits 262,263 266,686 297,309 295,354 300,311 314,201 330,328 343,165 359,775 385,541 413,271 468,444
Borrowing 19,777 9,503 9,623 6,026 5,640 6,076 5,760 7,663 8,334 20,013 21,820 31,854
12,991 11,924 9,551 7,759 6,538 15,337 7,390 8,915 9,754 9,844 8,485 11,780
Total Liabilities 312,766 306,621 334,695 327,349 331,885 357,151 369,974 387,292 407,080 447,772 480,457 551,079
2,843 4,369 4,300 4,353 4,320 4,346 5,142 4,964 4,786 5,345 5,214 5,202
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 89,921 89,087 92,277 102,769 125,453 142,526 148,518 140,775 136,569 144,010 141,652 157,607
220,001 213,165 238,118 220,227 202,112 210,279 216,315 241,553 265,725 298,416 333,591 388,270
Total Assets 312,766 306,621 334,695 327,349 331,885 357,151 369,974 387,292 407,080 447,772 480,457 551,079

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
2,274 281 61,871 -44,376 -14,510 1,726 -2,003 14,277 -8,786 -5,910 -2,460 2,804
-332 -149 -189 -310 -251 -315 -202 -133 -209 -584 -451 -454
510 599 1,543 5,154 6,796 3,396 5,055 0 0 0 1,500 -713
Net Cash Flow 2,452 732 63,225 -39,533 -7,965 4,807 2,849 14,143 -8,995 -6,494 -1,410 1,637
Free Cash Flow 1,989 132 61,682 -44,687 -14,761 1,411 -2,206 14,143 -8,995 -6,494 -2,910 2,350
CFO/OP 18% 9% 514% -434% -180% 16% -19% 115% -68% -32% -17% 14%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 4% -8% -13% -28% -30% -6% -4% 4% 6% 9% 11% 12%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Business per Employee
₹ crore ・Standalone data

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CASA Ratio
% of total deposits ・Standalone data
Credit-Deposit Ratio
% ・Standalone data
Gross Advances
₹ crore ・Standalone data
Total Branches
count ・Standalone data
Slippage Ratio
% ・Standalone data
RAM Share (Retail + Agriculture + MSME) of Total Advances
% ・Standalone data
Active Customer Base
crore ・Standalone data

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Shareholding Pattern

Numbers in percentages

2 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
93.08% 93.08% 93.08% 93.08% 93.08% 93.08% 89.27% 89.27% 89.27% 89.27% 89.27% 81.19%
0.16% 0.07% 0.17% 0.16% 0.33% 0.44% 1.27% 0.97% 0.88% 0.85% 0.75% 0.93%
2.84% 2.79% 2.80% 2.81% 2.81% 2.82% 5.87% 5.06% 4.86% 4.82% 4.82% 10.95%
3.91% 4.04% 3.95% 3.95% 3.75% 3.65% 3.59% 4.70% 4.98% 5.06% 5.16% 6.93%
No. of Shareholders 5,03,8975,29,5916,43,5506,85,3946,67,4356,71,0066,79,1057,18,9287,21,2727,19,9397,14,5477,44,225

* 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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