Central Bank Of India
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Retail Banking Operations: 44.1% • Treasury Operations: 32.4% • Wholesale Banking Operations: 23.5%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 17.9%
- Strong provisioning - provision coverage ratio of 95.9%
- Healthy loan book growth of 19.3% with stable asset quality
- Strong low-cost deposit base - CASA ratio of 47.4%
- Institutional investors have been accumulating - FII+DII up 5.8pp
- Stock looks reasonably valued - P/E of 6.1 is below its historical median
CONS
- A large part of profit comes from other income (98.2% of PBT)
- Promoter holding has decreased over last 2 years: -11.9pp
- Weak return ratios for a lender: 3Y avg ROA 0.8%
- Operating margins have contracted to 23.5% from 27.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| SBIN | 1001.60 | 10.72 | 924538.66 | 1.73 | 24579.04 | 13.65 | 136240.49 | 8.36 | 12.16 | 52.34 |
| UNIONBANK | 183.40 | 6.78 | 140000.33 | 2.73 | 5368.17 | 29.77 | 27427.10 | 1.21 | 14.57 | 69.42 |
| PNB | 115.60 | 6.02 | 132858.42 | 2.60 | 5339.15 | 191.40 | 33589.17 | 3.12 | 13.26 | 75.40 |
| BANKBARODA | 234.90 | 6.69 | 121475.30 | 3.62 | 1572.59 | -53.08 | 35114.52 | 6.84 | 11.20 | 33.10 |
| INDIANB | 855.00 | 9.01 | 115165.42 | 2.13 | 3299.48 | 48.73 | 18095.14 | 11.11 | 16.28 | 67.14 |
| CANBK | 124.20 | 5.67 | 112657.49 | 3.38 | 4864.08 | 61.96 | 32957.16 | 4.55 | 14.46 | 68.47 |
| MAHABANK | 84.45 | 8.62 | 64955.18 | 2.61 | 2020.54 | 26.83 | 8034.65 | 13.90 | 16.53 | 68.61 |
| BANKINDIA | 140.70 | 5.44 | 64056.04 | 3.30 | 3138.46 | 77.92 | 20096.90 | 8.83 | 10.97 | 73.18 |
| IOB | 33.01 | 10.67 | 63566.00 | 0.00 | 1659.24 | 49.25 | 8777.57 | 18.82 | 11.31 | 54.56 |
| UCOBANK | 23.99 | 12.19 | 30082.40 | 1.83 | 652.43 | 24.09 | 6744.59 | 15.10 | 11.00 | 54.71 |
| CENTRALBK | 30.58 | 6.06 | 27679.19 | 3.92 | 1328.95 | 5.43 | 9725.90 | 12.79 | 8.27 | 67.83 |
| PSB | 22.67 | 11.62 | 16085.69 | 1.72 | 331.51 | 23.16 | 3213.37 | 10.40 | 9.07 | 71.38 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7,225 | 7,351 | 7,809 | 8,337 | 8,335 | 8,203 | 8,509 | 8,619 | 8,589 | 8,743 | 9,033 | 9,661 | 9,691 | |
| Interest Expended | 4,049 | 4,323 | 4,657 | 4,796 | 4,787 | 4,792 | 4,969 | 5,220 | 5,205 | 5,460 | 5,531 | 5,659 | 5,777 |
| Net Interest Income | 3,176 | 3,028 | 3,152 | 3,541 | 3,548 | 3,410 | 3,540 | 3,399 | 3,383 | 3,283 | 3,502 | 4,002 | 3,914 |
| 959 | 1,061 | 1,330 | 1,362 | 1,165 | 1,647 | 1,229 | 1,714 | 1,786 | 1,507 | 1,935 | 1,150 | 987 | |
| Total Income | 0 | 0 | 0 | 0 | 9,533 | 9,884 | 9,774 | 10,476 | 10,410 | 10,284 | 11,007 | 10,859 | 10,678 |
| Operating Expenses | 2,297 | 2,559 | 2,551 | 2,839 | 2,720 | 2,892 | 2,806 | 3,110 | 2,865 | 3,004 | 3,145 | 3,056 | 2,715 |
| Operating Profit | 1,838 | 1,530 | 1,931 | 2,063 | 1,993 | 2,165 | 1,963 | 2,003 | 2,304 | 1,786 | 2,292 | 2,096 | 2,186 |
| Provisions & Contingencies | 813 | 967 | 822 | 707 | 1,191 | 598 | 557 | 844 | 521 | 314 | 704 | 504 | 402 |
| Profit before Tax | 1,025 | 563 | 1,109 | 1,356 | 802 | 1,567 | 1,407 | 1,158 | 1,783 | 1,471 | 1,588 | 1,592 | 1,784 |
| Tax % | 59.18% | -7.52% | 35.27% | 40.47% | -9.68% | 41.74% | 31.83% | 10.78% | 34.45% | 17.57% | 20.50% | 54.49% | 25.82% |
| Net Profit | 418 | 605 | 718 | 807 | 880 | 913 | 959 | 1,034 | 1,169 | 1,213 | 1,263 | 724 | 1,324 |
| EPS | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30,722 | 33,666 | 36,026 | — | |
| Interest Expended | 18,087 | 17,519 | 15,866 | 15,934 | 14,485 | 13,315 | 13,855 | 17,826 | 19,769 | 21,855 | 22,427 |
| Net Interest Income | -18,087 | -17,519 | -15,866 | -15,934 | -14,485 | -13,315 | -13,855 | 12,896 | 13,897 | 14,170 | — |
| 2,876 | 2,622 | 2,413 | 3,637 | 3,116 | 2,968 | 4,084 | 4,711 | 5,642 | 6,316 | 5,579 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35,434 | 39,308 | 42,341 | 42,828 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,245 | 11,415 | 12,008 | — | |
| Operating Profit | -18,087 | -17,519 | -15,866 | -15,934 | -14,485 | -13,315 | -13,855 | 7,363 | 8,124 | 8,478 | — |
| 6,767 | 10,393 | 11,474 | 5,308 | 5,872 | 3,482 | 4,208 | 3,309 | 3,190 | 2,044 | — | |
| Profit before Tax | -3,529 | -7,896 | -8,170 | -909 | -1,324 | 1,717 | 2,645 | 4,053 | 4,934 | 6,434 | 6,436 |
| Tax % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | 0.00% | 0.00% | 37.11% | 23.29% | 32.10% | 29.71% |
| Net Profit | -2,439 | -5,105 | -5,641 | -1,121 | -888 | 1,045 | 1,582 | 2,549 | 3,785 | 4,369 | 4,524 |
| EPS | -13 | -26 | -20 | -2 | -2 | 1 | 2 | 3 | 4 | 5 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 3%
- 5 Years:
- 10%
- 3 Years:
- 12%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 40%
STOCK PRICE CAGR
- 10 Years:
- -12%
- 5 Years:
- 8%
- 3 Years:
- -9%
- 1 Year:
- -15%
RETURN ON EQUITY
- 10 Years:
- -5%
- 5 Years:
- 9%
- 3 Years:
- 12%
- Last Year:
- 13%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 1,902 | 2,618 | 4,047 | 5,710 | 5,876 | 8,681 | 8,681 | 8,681 | 9,051 | 9,051 |
| 15,366 | 15,367 | 14,888 | 15,720 | 15,830 | 18,846 | 20,428 | 23,467 | 27,455 | 29,419 | |
| 2,96,671 | 2,94,839 | 2,99,855 | 3,13,763 | 3,29,973 | 3,42,692 | 3,59,296 | 3,85,011 | 4,12,697 | 4,67,922 | |
| 9,282 | 5,706 | 5,239 | 5,787 | 5,469 | 7,474 | 8,119 | 19,806 | 21,592 | 31,481 | |
| Other Liabilities & Provisions | 9,497 | 7,695 | 6,476 | 15,269 | 7,268 | 8,729 | 9,641 | 9,708 | 8,333 | 11,606 |
| Total Liabilities | 0 | 3,26,225 | 3,30,718 | 3,56,249 | 3,69,215 | 3,86,423 | 4,06,165 | 45 | 48 | 55 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 75,087 | 36,000 | 20,779 | 30,060 | 32,188 | 38,034 | 27,433 | 22,955 | 22,931 | 18,953 | |
| Balances with Banks & Money at Call | 3,680 | 3,229 | 10,421 | 6,017 | 6,763 | 15,061 | 16,667 | 14,653 | 13,266 | 18,882 |
| 0 | 1,02,632 | 1,25,298 | 1,42,518 | 1,48,582 | 1,40,787 | 1,36,583 | 1,43,923 | 1,41,435 | 1,57,320 | |
| 1,39,399 | 1,56,542 | 1,46,525 | 1,51,101 | 1,56,579 | 1,68,174 | 2,02,984 | 2,43,406 | 2,82,420 | 3,36,997 | |
| 4,290 | 4,343 | 4,310 | 4,336 | 5,132 | 4,955 | 4,776 | 5,336 | 5,204 | 5,125 | |
| 18,851 | 23,480 | 23,384 | 22,217 | 19,970 | 19,413 | 17,722 | 16,400 | 13,872 | 12,203 | |
| Total Assets | 0 | 3,26,225 | 3,30,718 | 3,56,249 | 3,69,215 | 3,86,423 | 4,06,165 | 45 | 48 | 55 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 61,847 | -44,396 | -14,588 | 1,771 | -1,987 | 14,268 | -8,794 | -5,916 | -2,469 | 2,786 | |
| Cash from Investing | -176 | -300 | -245 | -297 | -194 | -125 | -200 | -576 | -442 | -436 |
| Cash from Financing | 1,554 | 5,158 | 6,805 | 3,403 | 5,055 | 0 | 0 | 0 | 1,500 | -713 |
| 63,225 | -39,538 | -8,028 | 4,877 | 2,874 | 14,143 | -8,995 | -6,492 | -1,411 | 1,638 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | -12.82 | -19.50 | -13.94 | -1.96 | -1.51 | 1.20 | 1.82 | 2.94 | 4.18 | 4.83 |
| Book Value (₹) | 73.93 | 56.74 | 39.19 | 32.34 | 30.49 | 27.43 | 29.33 | 32.33 | 36.00 | 38.24 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.19 | 1.20 |
| PROFITABILITY | ||||||||||
| Net Interest Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.03% | 3.02% | 2.66% |
| ROA % | -1.60% | -3.13% | -1.72% | -0.33% | -0.24% | 0.28% | 0.40% | 0.60% | 0.82% | 0.85% |
| ROE % | -17.15% | -35.31% | -36.73% | -6.53% | -4.88% | 5.01% | 6.42% | 9.53% | 12.48% | 13.00% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 58.18% | 58.42% | 58.61% | |
| ASSET QUALITY | ||||||||||
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.18% | 2.67% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.56% | 0.50% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 96.54% | 95.97% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | ||||||||||
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 50.05% | 48.97% | 47.36% |
| Credit-Deposit Ratio % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.05% | 0.07% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 15.08% | 17.02% | 17.91% | |
| GROWTH & VALUATION | ||||||||||
| Net Profit Growth % | -71.99% | -109.29% | -10.51% | 80.12% | 20.85% | 217.72% | 51.43% | 61.11% | 48.50% | 15.41% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 10.23% | 11.36% | 6.22% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 20.36x | 10.21x | 6.52x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.85x | 1.19x | 0.82x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.44% | 3.82% |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-10 - Central Bank of India has informed the Exchange about Press release on Launch of Bharat Connect for Business in partnership with NPCI Bharat Bill Pay Ltd. (NBBL).
2026-09-09 - Central Bank of India has informed the Exchange about General Updates regarding Notice of Bank strike
2026-09-04 - Central Bank of India has informed the Exchange regarding Appointment of Mr Jai Shankar Prasad as General Manager of the company w.e.f. September 04, 2026.
2026-08-29 - Central Bank of India has informed the Exchange about voluntary retirement of Shri Umesh Kumar Singh
2026-08-27 - Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 27th August, 2026.
2026-08-20 - Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 20th August, 2026
2026-08-04 - Central Bank of India has informed the Exchange about Credit Rating- Revision
2026-08-01 - Central Bank of India has informed the Exchange regarding Appointment of Mr Partha Sarathi K Naidu as General Manager of the company w.e.f. August 01, 2026.
2026-08-01 - Central Bank of India has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 31, 2026. Further, the company has informed the Exchange regarding voting results.
News
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