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 ₹ 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
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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | |
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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% |
Documents
Announcements
- Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015 - Co-Lending Partnership With M/S. India Shelter Finance Corporation Limited For MSME Loans. 1 Jun
- Announcement under Regulation 30 (LODR)-Credit Rating 1 Jun
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Compliances-Reg.24(A)-Annual Secretarial Compliance
29 May - Secretarial Compliance Report of the Bank for the Financial Year ended on 31st March 2023
- Disclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015. 26 May
- Disclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015 - Capital Infusion In Bank'S Sponsored Regional Rural Bank--Uttar Bihar Gramin Bank (UBGB) 24 May
Annual reports
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Financial Year 2022
from bse
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
from bse
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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
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2012
from nse
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Financial Year 2011
from bse
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Financial Year 2010
from bse
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Financial Year 2010
from nse
Concalls
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May 2023Transcript PPT
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Jan 2023Transcript PPT
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Oct 2022Transcript PPT
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Oct 2022TranscriptNotesPPT
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Jul 2022TranscriptNotesPPT
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Jul 2022TranscriptNotesPPT
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May 2022TranscriptNotesPPT
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Feb 2022Transcript PPT
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Nov 2021TranscriptPPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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Jul 2021Transcript PPT
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Nov 2020Transcript PPT
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Aug 2020Transcript PPT
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Jul 2020Transcript 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]