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Central Bank of India

Updated on September 20, 2020

Stock/Share Code - CENTRALBK

Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and other Banking business.(Source : Company Web-Site)

Below is the details of CENTRALBK Central Bank of India

Market Cap₹10,106 Cr.
Current Price ₹16.2 as on 25 Sep 20
52 Week High / Low Price₹25.8 / ₹10.1
Face Value₹10
Stock P/E
Book Value₹37.53
Dividend Yield0.00 %
ROCE4.53 %
ROE-5.45 %
Sales Growth (3yrs)-1.51 %
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.47 times its book value
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of -2.26% over past five years. Company has a low return on equity of -21.04% for last 3 years. Contingent liabilities of Rs.70461.43 Cr.

Central Bank of India Price Chart

Central Bank of India Price Chart

Central Bank of India Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹254.75 11.26 ₹189,201.76 Cr. 0.00 ₹4,776.5 Cr. 28.46 6.62 69939.97 4.99
2. Punjab Natl.Bank ₹29.05 ₹32,984.26 Cr. 0.00 ₹537.71 Cr. -49.94 56.32 20832.23 4.69
3. Bank of Baroda ₹41.55 ₹22,617.67 Cr. 0.00 -₹678.71 Cr. -181.38 -1.01 19523.65 5.06
4. Union Bank (I) ₹24.25 ₹19,348.67 Cr. 0.00 ₹340.95 Cr. 48.16 107.10 18555.77 4.23
5. Bank of India ₹40.15 ₹17,810.08 Cr. 0.00 ₹845.78 Cr. 448.85 -1.01 10286.76 3.59
6. I O B ₹14.85 ₹17,423.21 Cr. 0.00 ₹120.69 Cr. 135.28 -0.80 4301.84 1.53
7. Canara Bank ₹87.1 ₹15,625.14 Cr. 0.00 ₹406.24 Cr. 23.45 47.83 18035.81 4.92
8. Central Bank ₹10,106.28 Cr. 0.00 ₹135.43 Cr. 14.45 5.28 6016.35 4.53

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Central Bank of India Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Expenses -3,5315,1015,5934,2763,6613,4575,9612,4992,4702,8244,3822,539
Employee Cost %16.16%17.72%16.23%16.97%17.88%17.93%9.96%15.45%16.65%15.13%24.31%17.26%
Financing Profit-1,823-3,124-4,094-2,598-1,986-1,641-4,359-709-579-802-2,456-394
Financing Margin %-30%-52%-73%-46%-35%-28%-80%-12%-10%-13%-41%-7%
Other Income7305636702135125441,1447798141,249795710
Profit before tax-1,092-2,561-3,424-2,385-1,474-1,097-3,21570234447-1,661316
Tax %31%35%38%36%37%35%23%-69%43%65%8%57%
Net Profit-750-1,664-2,114-1,522-924-718-2,477118134155-1,529135
EPS in Rs-3.940.00-10.55-5.81-3.53-2.56-7.890.290.320.33-2.710.24
Gross NPA %17.27%18.08%21.48%22.17%21.48%20.64%19.29%19.93%19.89%19.99%18.92%18.10%
Net NPA %9.53%9.45%11.10%10.58%10.36%10.32%7.73%7.98%7.90%9.26%7.63%6.76%

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Expenses -2,2902,6524,8125,7745,9009,2028,02111,43412,72016,77117,07311,86712,215
Manufacturing Cost %0.31%0.20%0.43%0.44%0.26%0.24%0.28%0.27%0.49%0.47%0.44%0.44%
Employee Cost %12.19%12.81%19.48%13.09%13.23%14.48%14.49%17.25%17.09%16.58%15.75%17.90%
Other Cost %9.40%8.97%11.71%16.62%13.49%22.95%15.60%26.65%34.00%52.73%59.22%32.02%
Financing Profit-61-107513-605-162-2,708-774-4,369-6,146-10,254-10,301-4,239-4,231
Financing Margin %-1%-1%3%-3%-1%-11%-3%-17%-25%-43%-46%-18%-18%
Other Income1,0701,7351,2651,3951,6671,9211,8941,9392,8742,6182,4093,6143,568
Profit before tax9251,5501,6596461,320-995890-2,669-3,529-7,896-8,170-910-663
Tax %38%32%25%18%23%-27%32%47%31%35%31%-23%
Net Profit5711,0581,2525331,015-1,263606-1,418-2,439-5,105-5,641-1,121-1,104
EPS in Rs7.3915.1727.134.897.610.003.560.
Dividend Payout %14%8%8%28%26%0%14%0%0%0%0%0%

Compounded Sales Growth

  • 10 Years:: 6.92%
  • 5 Years:: -2.26%
  • 3 Years:: -1.51%
  • TTM:: 5.31%

Compounded Profit Growth

  • 3 Years:: 15.71%
  • TTM:: 72.40%

Return on Equity

  • 10 Years:: -19.46%
  • 5 Years:: -23.97%
  • 3 Years:: -42.96%
  • 1 Year:: -10.38%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -1,3211,7712,0212,3532,6622,9671,6581,6901,9022,6184,0475,710
Preference Capital9171,3671,6171,6171,6171,617000000
Equity Capital4044044047361,0451,3501,6581,6901,9022,6184,0475,710
Other Liabilities -10,0846,91210,2839,87210,09013,17612,93712,39510,1807,6956,68815,456
Other liability items10,0846,91210,2839,87210,09013,17612,93712,39510,1807,6956,68815,456
Total Liabilities147,655182,672209,757229,800268,130289,496311,940305,466333,402326,225330,718356,436
Fixed Assets -2,2782,3432,4252,4742,6852,8042,8334,3594,2904,3434,3104,336
Gross Block3,1823,3343,5593,7714,1814,5184,7776,4796,6476,9397,1447,439
Accumulated Depreciation9049911,1341,2971,4961,7131,9442,1202,3572,5962,8343,103
Other Assets -102,317129,765152,827168,083192,841200,557219,367212,239237,017219,250201,109209,582
Cash Equivalents12,25119,21715,28314,12714,09212,37814,81015,54178,76739,22831,20036,039
Loans n Advances4,9445,5948,1936,7037,02611,59316,61117,24019,43224,12224,09223,282
Other asset items85,122104,954129,352147,253171,723176,585187,946179,458138,818155,899145,818150,261
Total Assets147,655182,672209,757229,800268,130289,496311,940305,466333,402326,225330,718356,436

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --1,0896,455-6,365-2,077-1,109-2,0232,24830861,847-44,396-14,5881,733
Profit from operations1,7302,2403,1473,5213,8564,0824,4822,7983,3342,9883,4034,634
Loans Advances-12,808-19,900-24,342-19,803-26,444-9,361-13,8114,32134,395-26,708-609-8,646
Operating investments-11,696-7,567-3,942-4,892-13,191-13,778-9,27322-3,622-11,331-23,650-18,285
Operating borrowings3556,5224,531-4685,3863,7743,894-16,766658-3,576-467548
Other WC items731-6,166-2,3762,857-580-702,414269-2,314-3,6421,5329,717
Working capital changes-2,4653,725-8,880-5,490-4,964-5,404-1,273-1,54359,604-47,090-18,178-2,758
Direct taxes-354491-633-1090-701-960-947-1,091-294187-143
Cash from Investing Activity --61-132-233-222-422-363-328-179-176-300-245-297
Fixed assets purchased-72-142-236-227-426-405-1,100-306-192-314-254-322
Fixed assets sold108131498151173437
Dividends received1122333101310518
Investment in group cos00000-10-4700000
Cash from Financing Activity -5626432,6641,1431,4966715126011,5545,1586,8053,403
Proceeds from shares1174502,2761,4172,4061,8001,2081661,4545,1586,5923,403
Interest paid fin-220-362-476-528-590-647-69600000
Dividends paid-149-142-142-212-276-4120-830000
Share application money000000053510002130
Other financing items8146971,006466-44-690-160000
Net Cash Flow-5886,966-3,934-1,156-34-1,7142,43273163,225-39,538-8,0284,839

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Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %9%15%15%5%7%-8%4%-8%-14%-29%-31%-5%

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