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Consolidated Standalone

CentralBank of India

₹60.8 0.3 | 0.6%

Market Cap ₹52815 Cr.

Stock P/E 19.8

P/B 1.9

Current Price ₹60.8

Book Value ₹ 32.6

Face Value 10

52W High ₹76.9

Dividend Yield 0%

52W Low ₹ 25.9

Edit Ratio

CentralBank of India Research see more...

Overview Inc. Year: 1911Industry: Bank - Public

Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and different Banking enterprise. The Treasury Operations section includes dealing in authorities and different securities, cash marketplace operations and Forex operations. The Corporate/Wholesale section includes advances to trusts/partnership firms, companies and statutory bodies. The Retail Banking section includes exposures of approximately five crores (such as fund-based and non-fund-based exposures) challenge to orientation, product, granularity criteria and individual exposures. The other Banking segment consists of other banking operations. The Bank offers deposits, loans, Agri banking, cards, e-payment and other offerings. It has a community of about 4,730 branches, over 3,680 ultra-small branches and about 5,250 automatic teller machines. It has distribution network in 30 States and in over six Union Territories in India.

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CentralBank of India Share Price

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Peer Comparison

CentralBank of India Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 6075 5816 5555 6184 6746 7171 7259 7377 7842 8371
Other Income 476 629 832 909 919 1424 959 1062 1329 1363
Total Income 6551 6445 6387 7093 7666 8596 8218 8439 9171 9734
Interest Expense 3324 3381 3397 3421 3444 3643 4062 4338 4672 4811
Operating Expenditure 1965 1242 1757 1915 2403 2835 2302 2565 2557 2851
Provisions and contingencies 737 1061 915 1124 998 1207 816 968 821 710
Operating Profit 525 761 319 633 820 910 1038 567 1122 1363
Profit Before Tax 353 409 319 633 820 910 1038 567 1122 1363
Provision for Tax 67 92 75 308 355 335 610 -41 395 551
Profit After Tax 286 317 244 325 466 575 428 609 728 812
Adjustments -4 25 29 16 8 16 67 13 7 4
Profit After Adjustments 282 342 273 341 473 591 495 622 734 816
Adjusted Earnings Per Share 0.3 0.4 0.3 0.4 0.5 0.7 0.6 0.7 0.8 0.9

CentralBank of India Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 21897 24478 26476 25988 24775 24163 22749 23676 22830 22903 25657 30849
Other Income 1677 1931 1900 1944 2871 2620 2416 3622 3111 2967 4084 4713
Total Income 23573 26410 28376 27932 27646 26784 25165 27298 25940 25871 29742 35562
Interest Expense 16141 17963 19200 18889 18166 17603 15935 16005 14543 13361 13905 17883
Operating Expenditure 4240 5190 5597 6378 6378 6426 6080 6939 6799 7277 8910 10275
Provisions and contingencies 1857 4240 2678 5322 6633 10641 11307 5270 5913 3496 4254 3315
Operating Profit 1335 -984 902 -2657 -3532 -7887 -8156 -915 -1315 1737 2672 4090
Profit Before Tax 1335 -984 902 -2657 -3532 -7887 -8156 -915 -1315 1737 2672 4090
Provision for Tax 305 268 284 -1251 -1090 -2791 -2529 212 -436 672 1063 1515
Profit After Tax 1030 -1252 618 -1406 -2442 -5096 -5628 -1127 -878 1065 1609 2577
Adjustments 0 -14 48 10 -17 -44 11 -128 -122 11 69 91
Profit After Adjustments 1030 -1266 666 -1396 -2459 -5140 -5617 -1256 -1000 1076 1679 2667
Adjusted Earnings Per Share 8.4 -9.4 4 -8.3 -12.9 -19.6 -13.9 -2.2 -1.7 1.2 1.9 3

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 12% 3% 1% 2%
Operating Profit CAGR 54% 0% 0% 7%
PAT CAGR 51% 0% 0% 5%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 126% 54% 16% 1%
ROE Average 7% 2% -7% -8%
ROCE Average 9% 4% -4% -5%

CentralBank of India Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 15538 16010 17735 18508 0 18210 19396 21537 26497 27549 29217
Minority's Interest 27 31 33 35 35 40 43 45 51 58 67
Deposits 226219 240345 255942 266686 297309 295354 300311 314201 330328 343165 359775
Borrowings 18395 22137 26099 9503 9623 6026 5640 6076 5760 7663 8334
Other Liabilities & Provisions 8486 11573 12958 11889 9516 7719 6494 15292 7339 8857 9687
Total Liabilities 268666 290095 312766 306621 0 327349 331885 357151 369974 387292 407080
Cash and balance with RBI 13560 11927 14116 14070 75087 36000 20779 30060 32188 38034 27433
Bank Balance 532 460 722 1499 3708 3262 10518 6045 6766 15063 16669
Investments 72751 86262 89921 89087 0 102769 125453 142526 148518 140775 136569
Advances 172306 177755 189068 180895 140464 157480 147425 151952 157389 169042 203893
Fixed Assets 2692 2814 2843 4369 4300 4353 4320 4346 5142 4964 4786
Other Assets 6824 10877 16096 16701 18859 23485 23389 22222 19972 19415 17730
Total Assets 268666 290095 312766 306621 0 327349 331885 357151 369974 387292 407080

CentralBank of India Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 14127 14092 12386 14838 15570 78795 39262 31298 36105 38954 53097
Cash Flow from Operating Activities -1095 -2490 2274 281 61871 -44376 -14510 1726 -2003 14277 -8786
Cash Flow from Investing Activities -435 -369 -332 -149 -189 -310 -251 -315 -202 -133 -209
Cash Flow from Financing Activities 1496 1153 510 599 1543 5154 6796 3396 5055 0 0
Net Cash Inflow / Outflow -34 -1706 2452 732 63225 -39533 -7965 4807 2849 14143 -8995
Closing Cash & Cash Equivalent 14092 12386 14838 15570 78795 39262 31298 36105 38954 53097 44102

CentralBank of India Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 8.42 -9.37 4.02 -8.26 -12.93 -19.63 -13.88 -2.2 -1.7 1.24 1.93
CEPS(Rs) 11.63 -7.72 5.11 -6.9 -11.48 -18.47 -13.22 -1.47 -1 1.57 2.3
DPS(Rs) 2.5 0 0.5 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 115.39 92.96 96.01 86.88 75.3 57.6 39.8 32.53 30.47 27.46 29.45
Yield on Advances 12.71 13.77 14 14.37 17.64 15.34 15.43 15.58 14.51 13.55 12.58
Yield on Investments 7.1 7.21 8.15 7.93 0 7.51 6.92 7.82 7.64 6.93 6.58
Cost of Liabilities 6.6 6.84 6.81 6.84 5.92 5.84 5.21 5 4.33 3.81 3.78
NIM (Net Interest Margin) 2.22 2.36 2.48 2.49 3.01 2.19 2.24 2.32 2.4 2.63 3.06
Interest Spread 6.11 6.93 7.2 7.53 11.72 9.5 10.22 10.58 10.18 9.74 8.81
ROA(%) 0.41 -0.45 0.21 -0.45 -1.59 -3.11 -1.71 -0.33 -0.24 0.28 0.41
ROE(%) 9.72 -10.17 4.34 -9.19 -16.84 -34.66 -36.09 -6.5 -4.82 5.1 6.52
ROCE(%) 8.5 1.62 6.23 -3.95 -14.31 -38.42 -30.43 -1.18 -2.55 6.58 8.66
PER(x) 7.94 0 26.51 0 0 0 0 0 0 14.81 12.49
Price/Book(x) 0.58 0.54 1.11 0.85 1.41 1.28 0.92 0.38 0.54 0.67 0.82
Dividend Yield(%) 3.74 0 0.47 0 0 0 0 0 0 0 0
EV/Net Sales(x) 1.23 1.25 1.65 0.85 1.2 1.05 0.9 0.55 0.67 1.03 1.14
EV/Core EBITDA(x) 8.46 9.37 12.22 8.26 9.6 9.17 6.48 3 3.34 4.51 4.23
Interest Earned Growth(%) 14.23 11.79 8.16 -1.84 -4.67 -2.47 -5.85 4.07 -3.57 0.32 12.02
Net Profit Growth 88.53 -221.49 149.4 -327.43 -73.66 -108.67 -10.44 79.97 22.07 221.17 51.18
Advances Growth 16.65 3.16 6.36 -4.32 -22.35 12.11 -6.38 3.07 3.58 7.4 20.62
EPS Growth(%) 27.87 -211.32 142.85 -305.74 -56.45 -51.83 29.3 84.15 22.6 172.81 56.05
Loans/Deposits(x) 8.13 9.21 10.2 3.56 3.24 2.04 1.88 1.93 1.74 2.23 2.32
Cash/Deposits(x) 0.06 0.05 0.06 0.05 0.25 0.12 0.07 0.1 0.1 0.11 0.08
Current Ratio(x) 0.32 0.36 0.35 0.33 0 0.35 0.42 0.45 0.45 0.41 0.38
Quick Ratio(x) 8.13 9.21 10.2 3.56 3.24 2.04 1.88 1.93 1.74 2.23 2.32
CASA % 32.52 33.29 33.99 35.41 39.12 42.39 46.13 46.34 49.22 50.56 50.38

CentralBank of India Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 93.08 93.08 93.08 93.08 93.08 93.08 93.08 93.08 93.08 93.08
FII 0.1 0.11 0.09 0.1 0.19 0.2 0.14 0.16 0.07 0.17
DII 2.75 2.76 2.8 2.84 2.89 2.87 2.84 2.85 2.8 2.8
Public 4.07 4.05 4.02 3.98 3.84 3.85 3.94 3.91 4.05 3.95
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company is almost debt free.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend.
  • Company has a low return on equity of 2% over the last 3 years.

* 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.

CentralBank of India News

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