Central Bank Of India
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Retail Banking Operations: 44.3% • Treasury Operations: 32.3% • Wholesale Banking Operations: 23.4%
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%
- Company has consistently been profitable over the last 5 years
- 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%
CONS
- A large part of profit comes from other income (143.1% of PBT)
- Promoter holding has decreased over last 2 years: -11.9pp
- Weak return ratios for a lender: 3Y avg ROA 0.8%
- Effective tax rate is unusually low at 0.0% - earnings may be flattered
- Operating margins have contracted to 23.8% 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
Consolidated Figures in Rs. Crores / View Standalone
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7,259 | 7,377 | 7,842 | 8,371 | 8,367 | 8,235 | 8,542 | 8,653 | 8,623 | 8,777 | 9,070 | 9,698 | 9,726 | |
| Interest Expended | 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 |
| Net Interest Income | 3,197 | 3,039 | 3,170 | 3,560 | 3,566 | 3,429 | 3,558 | 3,415 | 3,402 | 3,301 | 3,518 | 4,021 | 3,932 |
| 959 | 1,062 | 1,329 | 1,363 | 1,166 | 1,649 | 1,232 | 1,723 | 1,787 | 1,507 | 1,937 | 1,161 | 988 | |
| Total Income | 0 | 0 | 0 | 0 | 9,533 | 9,884 | 9,774 | 10,476 | 10,410 | 10,284 | 11,007 | 10,859 | 10,714 |
| Operating Expenses | 0 | 0 | 0 | 0 | 27,264 | 29,018 | 28,140 | 32,211 | 28,730 | 30,122 | 31,583 | 30,682 | 2,724 |
| Operating Profit | 0 | 0 | 0 | 0 | 20,055 | 21,760 | 19,767 | 20,169 | 23,154 | 17,954 | 22,969 | 21,144 | 2,196 |
| Provisions & Contingencies | 0 | 0 | 0 | 0 | 11,934 | 5,983 | 5,590 | 8,463 | 5,225 | 3,162 | 7,046 | 5,050 | 405 |
| Profit before Tax | 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 % | 58.77% | -7.31% | 35.16% | 40.42% | -9.22% | 41.65% | 31.71% | 10.98% | 32.88% | 17.55% | 20.56% | 54.11% | 25.81% |
| Net Profit | 0 | 0 | 0 | 0 | 887 | 921 | 968 | 1,042 | 1,260 | 1,220 | 1,265 | 739 | 1,329 |
| EPS | 1 | 1 | 1 | 94 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| 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 | 30,849 | 33,797 | 36,168 | — | |
| Interest Expended | 18,166 | 17,603 | 15,935 | 16,005 | 14,543 | 13,361 | 13,905 | 17,882 | 19,830 | 21,926 | 22,498 |
| Net Interest Income | -18,166 | -17,603 | -15,935 | -16,005 | -14,543 | -13,361 | -13,905 | 12,967 | 13,968 | 14,242 | — |
| 2,871 | 2,620 | 2,416 | 3,622 | 3,111 | 2,967 | 4,084 | 4,713 | 5,658 | 6,415 | 5,594 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35,562 | 39,456 | 42,583 | 42,864 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,275 | 11,451 | 12,050 | — | |
| Operating Profit | -18,166 | -17,603 | -15,935 | -16,005 | -14,543 | -13,361 | -13,905 | 7,405 | 8,175 | 8,607 | — |
| 6,767 | 10,393 | 11,474 | 5,325 | 5,872 | 3,482 | 4,208 | 4,829 | 4,357 | 4,124 | — | |
| Profit before Tax | -3,532 | -7,887 | -8,156 | -915 | -1,315 | 1,737 | 2,672 | 2,576 | 3,818 | 4,484 | 6,472 |
| Tax % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 29.67% |
| Net Profit | -2,442 | -5,096 | -5,628 | -1,127 | -878 | 1,065 | 1,609 | 2,576 | 3,818 | 4,484 | 4,552 |
| EPS | -13 | -27 | -20 | -3 | -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:
- 39%
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
Consolidated Figures in Rs. Crores / View Standalone
| 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 |
| 15,626 | 15,592 | 15,136 | 15,827 | 15,821 | 18,868 | 20,536 | 23,693 | 27,830 | 29,950 | |
| 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 | |
| 9,623 | 6,026 | 5,640 | 6,076 | 5,760 | 7,663 | 8,334 | 20,013 | 21,820 | 31,854 | |
| Other Liabilities & Provisions | 9,516 | 7,719 | 6,494 | 15,292 | 7,339 | 8,857 | 9,687 | 9,767 | 8,400 | 11,688 |
| Total Liabilities | 0 | 3,27,349 | 3,31,885 | 3,57,151 | 3,69,974 | 3,87,292 | 4,07,080 | 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 | 3,708 | 3,262 | 10,518 | 6,045 | 6,766 | 15,063 | 16,669 | 14,653 | 13,266 | 18,882 |
| 0 | 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 | |
| 1,40,464 | 1,57,480 | 1,47,425 | 1,51,952 | 1,57,389 | 1,69,042 | 2,03,893 | 2,44,399 | 2,83,505 | 3,38,209 | |
| 4,300 | 4,353 | 4,320 | 4,346 | 5,142 | 4,964 | 4,786 | 5,345 | 5,214 | 5,202 | |
| 18,859 | 23,485 | 23,389 | 22,222 | 19,972 | 19,415 | 17,730 | 16,409 | 13,888 | 12,227 | |
| Total Assets | 0 | 3,27,349 | 3,31,885 | 3,57,151 | 3,69,974 | 3,87,292 | 4,07,080 | 45 | 48 | 55 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 61,871 | -44,376 | -14,510 | 1,726 | -2,003 | 14,277 | -8,786 | -5,910 | -2,460 | 2,804 | |
| Cash from Investing | -189 | -310 | -251 | -315 | -202 | -133 | -209 | -584 | -451 | -454 |
| Cash from Financing | 1,543 | 5,154 | 6,796 | 3,396 | 5,055 | 0 | 0 | 0 | 1,500 | -713 |
| 63,225 | -39,533 | -7,965 | 4,807 | 2,849 | 14,143 | -8,995 | -6,494 | -1,410 | 1,637 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | -12.93 | -19.63 | -13.88 | -2.20 | -1.70 | 1.24 | 1.93 | 3.07 | 4.35 | 5.00 |
| Book Value (₹) | 75.30 | 57.60 | 39.80 | 32.53 | 30.47 | 27.46 | 29.45 | 32.59 | 36.41 | 38.82 |
| 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% | 3.04% | 3.03% | 2.67% |
| ROA % | -1.59% | -3.11% | -1.71% | -0.33% | -0.24% | 0.28% | 0.41% | 0.60% | 0.82% | 0.87% |
| ROE % | -16.84% | -34.66% | -36.09% | -6.50% | -4.82% | 5.10% | 6.52% | 9.57% | 12.47% | 13.17% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 58.12% | 58.35% | 58.33% | |
| 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% | 49.97% | 48.90% | 47.30% |
| 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% | 0.00% | 0.00% | 0.00% | |
| GROWTH & VALUATION | ||||||||||
| Net Profit Growth % | -73.66% | -108.67% | -10.44% | 79.97% | 22.07% | 221.17% | 51.18% | 60.07% | 48.21% | 17.44% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 10.65% | 11.74% | 6.62% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 19.45x | 9.82x | 6.29x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.83x | 1.17x | 0.81x |
| 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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