CentralBank of India

Central Bank Of India

NSE: CENTRALBK BSE: 532885 SECTOR: Bank - Public  65k   331   88

28.75
+0.20 (0.70%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 29.55

Today's Low

₹ 27.45

52 Week High

₹ 41.8

52 Week Low

₹ 16.25

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 24957.7 Cr.

CASA %

50.63

No. of Shares

868.09 Cr.

P/E

18.89

P/B

1.01

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  28.59

Net Interest Income

₹ 9486.76 Cr.

Cost To Income %

58.27

Promoter Holding

93.08 %

EPS (TTM)

₹  1.52

CAR %

13.84

ROE

5.01 %

ROCE

6.52%

Profit Growth

217.72 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year5.01%
3 Year-2.13%
5 Year-15.69%

ROA%

1 Year0.28%
3 Year-0.1%
5 Year-0.71%

Net NPA%

1 Year3.97%
3 Year5.79%
5 Year7.24%

 NIM

1 Year2.62%
3 Year2.44%
5 Year2.35%

CAR %

13.84

Cost of Liabilities %

3.8024455400296

PEG Ratio

0.11

Advances Growth %

7.40513026989544

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 93.08 0
Sep 2022 93.08 0
Jun 2022 93.08 0
Mar 2022 93.08 0
Dec 2021 93.08 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 50.6326010077199% of total deposits.
  • The company has delivered good Profit growth of 29.7669317605214% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -0.0982230947776547%
  • Company has a low ROE of -2.13489190968491% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 5.79%.
  • High Cost to income ratio of 58.2734140164266%.
  • The company has delivered poor Income growth of 0.239539940047795% over the past 3 years.
  • Poor Advances growth of 4.70037920849471% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Interest Earned 6049.52 5787.33 5526.53 6154.95 6716.55
Other Income 474.26 632.25 830.95 910.01 919.16
Interest Expended 3311.21 3371.26 3384.42 3407.46 3432.09
Operating Expenses 3311.21 1236.32 1751.75 1909.71 2396.72
Total Provisions 736.26 1061.03 913.67 1124.67 995.47
Profit Before Tax 344.17 398.45 307.64 623.12 811.43
Tax 65.25 88.14 72.86 304.95 353.21
Net Profit 278.92 310.31 234.78 318.17 458.22
Net NPA % 4.39 3.97 3.93 2.95 2.09
Gross NPA % 15.16 14.84 14.9 9.67 8.85
Return on Assets % 0.33 0.36 0.27 0.35 0.5
NPM % 4.61 5.36 4.25 5.17 6.82

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 24035.52 22638.57 23562.47 22730.23 22801.65
Other Income 2622.35 2412.94 3636.82 3115.67 2968.48
Interest Expended 17518.51 15866.39 15933.62 14485.19 13314.88
Operating Expenses 6406.37 6058.63 6921.52 6782.23 7258.1
Total Provisions 10628.96 11296.71 5253.64 5902.1 3480.19
Profit Before Tax -7895.97 -8170.22 -909.49 -1323.61 1716.96
Taxes -2791.07 -2528.74 211.86 -436.03 672.13
Net Profit -5104.9 -5641.48 -1121.35 -887.58 1044.83
Adjusted EPS (Rs.) -19.5 -13.94 -1.96 -1.51 1.2

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 2618.16 4047.2 5709.76 5875.56 8680.94
Total Reserves 15367.38 14887.66 15719.71 15829.53 18845.77
Deposits 294838.86 299855.44 313763.16 329972.95 342691.94
Borrowings 5706.12 5239.06 5787.2 5468.64 7474.36
Other Liabilities 7694.77 6475.77 15269.26 7268.32 8872.59
Total Liabilities 326225.28 330717.66 356249.1 369214.99 386565.59
Assets
Balance with RBI 35999.91 20779.09 30059.82 32187.84 38033.7
Balance with Banks 3228.53 10420.85 6017.29 6763.47 15060.63
Investments 102631.61 125298.07 142517.54 148582.43 140786.95
Advances 156542.18 146525.36 151100.88 156578.65 168173.5
Net Block 4343.38 4310.24 4336.18 5132.42 4955.04
Other Assets 23479.67 23384.06 22217.39 19970.18 19555.78
Total Assets 326225.28 330717.66 356249.1 369214.99 386565.59
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 93.08 93.08 93.08 93.08 93.08
president of india - 86.40 86.40 81.91 -
presedent of india 88.02 - - - -
prseident of india - - - - 78.52
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 6.92 6.92 6.92 6.92 6.92
life insurance cor... - - - 13.36 -
life inssurance co... 8.84 - - - -
india infoline ltd - - - 1.47 -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Central Bank Of India informs about security cover certificate18 Jan 2023, 4:52PM Central Bank Of India informs about outcome of board meeting 18 Jan 2023, 3:22PM Central Bank of India reports 68% rise in Q3 consolidated net profit18 Jan 2023, 2:30PM CentralBank of India - Quaterly Results18 Jan 2023, 1:16PM CentralBank of India - Quaterly Results18 Jan 2023, 1:16PM CentralBank of India - Quaterly Results18 Jan 2023, 1:16PM Central Bank of India enters into strategic co-lending partnership with Mamta Projects11 Jan 2023, 5:49PM Central Bank of India gets in-principle approval to acquire remaining stake in CBHFL 27 Dec 2022, 12:41PM Central Bank of India gets nod to raise Rs 1500 crore during FY2326 Dec 2022, 3:57PM Central Bank Of India informs about presentation on financial results25 Oct 2022, 4:58PM Central Bank of India reports 70% rise in Q2 consolidated net profit21 Oct 2022, 4:16PM Central Bank Of India informs about investor presentation21 Oct 2022, 3:35PM Central Bank Of India informs about statement of deviations or variations20 Oct 2022, 4:45PM CentralBank of India - Quaterly Results20 Oct 2022, 1:05PM CentralBank of India - Quaterly Results20 Oct 2022, 1:05PM CentralBank of India - Quaterly Results20 Oct 2022, 1:05PM RBI removes Central Bank of India from PCA framework 21 Sep 2022, 12:50PM Central Bank of India partners with HomeFirst 7 Sep 2022, 12:06PM Central Bank of India enters into co-lending partnership with Shapoorji Pallonji Finance30 Aug 2022, 2:29PM Central Bank of India enters into strategic Co-Lending Partnership with lncred Financial Services20 Aug 2022, 10:00AM Central Bank of India enters into strategic co-lending partnership with Protium Finance19 Aug 2022, 5:34PM Central Bank Of India informs about revised copy of presentation on financial results 26 Jul 2022, 5:07PM CentralBank of India - Quaterly Results25 Jul 2022, 1:09PM CentralBank of India - Quaterly Results25 Jul 2022, 1:09PM CentralBank of India - Quaterly Results25 Jul 2022, 1:09PM Central Bank Of India informs about board meeting19 Jul 2022, 12:33PM Central Bank Of India informs about interest payment of bonds2 Jul 2022, 12:24PM Central Bank Of India informs about press release9 May 2022, 5:27PM Central Bank of India informs about audited standalone and consolidated financial results 9 May 2022, 2:09PM CentralBank of India - Quaterly Results9 May 2022, 11:55AM CentralBank of India - Quaterly Results9 May 2022, 11:55AM CentralBank of India - Quaterly Results9 May 2022, 11:55AM Central Bank Of India informs about payment of part interest and principal amount7 May 2022, 4:30PM RBI imposes fine of Rs 36 lakh on Central Bank of India23 Apr 2022, 11:14AM Central Bank of India informs about payment of Interest NCDs1 Apr 2022, 12:11PM Central Bank of India reports 70% rise in Q3 consolidated net profit28 Jan 2022, 4:20PM Central Bank Of India informs about board meeting proceedings28 Jan 2022, 3:41PM Central Bank Of India informs about certificate13 Jan 2022, 4:31PM Central Bank Of India informs about disclosure 1 Jan 2022, 3:55PM Central Bank of India partners with NPCI to launch 'CBoI RuPay' business platinum debit card30 Dec 2021, 9:48AM Central Bank of India inks strategic Co-lending partnership with Ugro Capital22 Dec 2021, 12:16PM Central Bank of India enters into MoU with National Small Industries Corporation2 Nov 2021, 9:51AM Central Bank of India reports 56% rise in Q2 consolidated net profit27 Oct 2021, 10:37AM Central Bank of India enters into partnership with IIFL Home Finance6 Oct 2021, 10:00AM Central Bank of India informs about extension of term of office of executive director27 Aug 2021, 1:11PM Central Bank of India to expand agri-loan portfolio through aqua financing13 Aug 2021, 4:57PM Central Bank of India enters into strategic co-lending partnership with Dhanvarsha Finvest9 Aug 2021, 9:58AM Central Bank Of India informs about disclosure28 Jul 2021, 4:21PM Central Bank of India reports 70% rise in Q1 consolidated net profit28 Jul 2021, 4:06PM Central Bank Of India informs about analyst call27 Jul 2021, 3:21PM

CentralBank of India Stock Price Analysis and Quick Research Report. Is CentralBank of India an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how CentralBank of India is performing and if it is the right time to buy the stock of CentralBank of India with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. CentralBank of India has earned Rs 22801.6476 Cr. revenue in the latest financial year. It has posted Poor revenue growth of 0.239539940047795 % in last 3 Years.

  • In terms of advances, the bank reported 7.40513026989544 % YOY,  rise . If you see 3 years advance growth, it stands at 4.70037920849471 %.

  • Currently the company has a CASA ratio of 50.6326010077199 %. It’s overall cost of liability stands at 3.8024455400296 %. Also, the total deposits from these accounts stood at Rs 342691.9375 Cr.

  • The Bank has a Poor ROA track record. The ROA of CentralBank of India is at 0.276489795539497 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 14.84 % and 3.97 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -41.0346715809862 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of CentralBank of India decreased and is currently at Rs 2968.484 Cr.

  • The company has a Good Capital Adequacy Ratio of 13.84 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently CentralBank of India is trading at a P/B of 0.9932 . The historical average PB was 0.761855755731689.

Brief about CentralBank of India

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