Central Bank of India
Central Bank of India
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Key Insights
Strengths
3- Stock is trading at 0.68 times its book value
- Stock is providing a good dividend yield of 3.90%.
- Company has delivered good profit growth of 45.9% CAGR over last 5 years
Weaknesses
5- 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
Growth Rate
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 2d agoCentral Bank of India is a public sector bank with a market cap of ₹27,743 Cr, trading at a P/B of 0.75 and P/E of 6.1. The bank has shown a sharp profit recovery with a 46% CAGR over five years, but carries significant contingent liabilities of ₹2,20,772 Cr and a 10-year negative ROE average of -1%, reflecting its troubled history.
- Stock trades at 0.68x book value, well below the 1x threshold, indicating deep value pricing relative to its balance sheet
- P/E of 6.1 is significantly below the banking sector average, suggesting the earnings stream is available at a low multiple
- Compounded profit growth of 46% CAGR over the last 5 years reflects a substantial turnaround in profitability
- Dividend yield of 3.89% is attractive and well above the broader market average of roughly 1.2-1.5%
- ROE has improved from a 10-year average of -1% to 12% in the last year, signalling a meaningful recovery trajectory
- TTM revenue growth of 9% and 3-year compounded sales growth of 12% show the bank is expanding its top line at a reasonable pace
- 3-year compounded profit growth of 39% demonstrates sustained earnings momentum, not just a one-off recovery
- Contingent liabilities of ₹2,20,772 Cr are massive relative to the ₹27,743 Cr market cap, posing a significant tail risk if even a fraction crystallizes
- 10-year ROE average of -1% reflects a prolonged period of capital destruction and weak franchise economics
- Low interest coverage ratio suggests the bank's core earnings may not comfortably service its own obligations
- 5-year compounded sales growth of just 9.64% is modest for a bank operating in a growing economy, indicating limited competitive positioning
- 3-year ROE of only 10.8% remains below the cost of equity for most PSU banks, meaning shareholder value creation is marginal
- Stock price has declined 15% over the last 1 year and shows a negative 10-year CAGR of -12%, reflecting persistent market scepticism
- Potential capitalisation of interest costs raises questions about the true quality of reported earnings
- 3-year stock CAGR of -6% despite a 39% profit CAGR over the same period suggests the market is not assigning credibility to the earnings recovery
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 2h ago- UFBU strikes in Sep-Oct Sep 9
United Forum of Bank Unions (7 unions including AIBEA and AIBOC) has called strikes on Sep 11, Sep 28-30, and indefinite strike from Oct 26 onwards. Potential disruption to branch operations and customer services.
- B2B payment platform launch Sep 10
Central Bank of India partnered with NPCI Bharat Bill Pay Ltd to launch Bharat Connect for Business at Global Fintech Fest 2026, creating a digital ecosystem for MSMEs and B2B transactions.
- GM promotion effective Sep 1 Sep 4
Jai Shankar Prasad promoted to General Manager, Customer Care Department, effective September 1, 2026.
- ₹132 cr Tier II bond interest paid Aug 31
Central Bank of India confirmed timely payment of ₹132 crore annual interest on Basel III Compliant Tier II Bonds Series VI to eligible bondholders.
- GM Umesh Kumar Singh retires Aug 29
General Manager Umesh Kumar Singh took voluntary retirement effective August 28, 2026. Change filed with exchanges under SEBI LODR.
- Investor meets in late Aug Aug 27
Central Bank of India held analyst/investor meets on Aug 27 (Prescient Capital, Aditya Birla Money) and Aug 20 (Systematix Group), discussing only public domain information.
TL;DR: Central Bank of India is making positive strides in digital infrastructure with its new B2B payment platform via NPCI partnership, signaling focus on the MSME segment. The primary near-term risk is the multi-phase UFBU strike action spanning September and potentially indefinite from late October, which could disrupt operations. Routine management changes and timely bond interest payments reflect stable governance. The digital push is encouraging, but the strike situation warrants close monitoring over the next two months.
Quarterly Results
| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| Expenses | 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 |
| Fin. Margin % | 1% | -7% | -3% | 0% | -4% | -1% | 2% | -6% | 0% | 0% | -4% | 5% | 8% |
| Other Income | 959 | 1,062 | 1,329 | 1,363 | 1,166 | 1,649 | 1,232 | 1,723 | 1,857 | 1,507 | 1,927 | 1,161 | 988 |
| 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 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 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% |
| Net Profit | 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 | 1.4 | 0.82 | 1.46 |
| Gross NPA % | 4.95% | 4.61% | 4.5% | 4.5% | 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% | 0.7% | 0.61% | 0.56% | 0.5% | 0.49% | 0.46% | 0.5% | 0.51% |
Profit & Loss
| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| Expenses | 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 |
| Fin. Margin % | -5% | -17% | -25% | -31% | -34% | -19% | -18% | -4% | -4% | 0% | 0% | 2% | 2% |
| Other Income | 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 |
| 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 |
| Depreciation | 230 | 240 | 258 | 260 | 278 | 285 | 293 | 297 | 386 | 500 | 558 | 530 | 0 |
| PBT | 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% | — |
| Net Profit | 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 | -2.2 | -1.7 | 1.24 | 1.93 | 3.07 | 4.35 | 5 | 5.04 |
| Div. Payout % | 12% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 4% | 36% | — |
Balance Sheet
| Particulars | 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 |
| 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 |
| Deposits | 2,62,263 | 2,66,686 | 2,97,309 | 2,95,354 | 3,00,311 | 3,14,201 | 3,30,328 | 3,43,165 | 3,59,775 | 3,85,541 | 4,13,271 | 4,68,444 |
| Other Liabilities | 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 | 3,12,766 | 3,06,621 | 3,34,695 | 3,27,349 | 3,31,885 | 3,57,151 | 3,69,974 | 3,87,292 | 4,07,080 | 4,47,772 | 4,80,457 | 5,51,079 |
| Fixed Assets | 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 | 1,02,769 | 1,25,453 | 1,42,526 | 1,48,518 | 1,40,775 | 1,36,569 | 1,44,010 | 1,41,652 | 1,57,607 |
| Other Assets | 2,20,001 | 2,13,165 | 2,38,118 | 2,20,227 | 2,02,112 | 2,10,279 | 2,16,315 | 2,41,553 | 2,65,725 | 2,98,416 | 3,33,591 | 3,88,270 |
| Total Assets | 3,12,766 | 3,06,621 | 3,34,695 | 3,27,349 | 3,31,885 | 3,57,151 | 3,69,974 | 3,87,292 | 4,07,080 | 4,47,772 | 4,80,457 | 5,51,079 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 2,274 | 281 | 61,871 | -44,376 | -14,510 | 1,726 | -2,003 | 14,277 | -8,786 | -5,910 | -2,460 | 2,804 |
| Investing | -332 | -149 | -189 | -310 | -251 | -315 | -202 | -133 | -209 | -584 | -451 | -454 |
| Financing | 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
| Particulars | 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
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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71 extracted metrics + investor summaries across FY12–FY27.
Documents
Frequently Asked Questions about Central Bank of India
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What is the Return on Equity (ROE) of Central Bank of India?
Company Information
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]
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