My Dashboard
Fin. Planning
Our Solutions
Stocks
Funds
Invest in the best stock opportunities right now and every-time.
Start Systematic Stock Investing ...in less than a minute.
BSE: 532885 | NSE: CENTRALBK | Bank - Public | Mid Cap
1. Is Central Bank Of India a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Central Bank Of India is a below average quality company.
2. Is Central Bank Of India undervalued or overvalued?
The key valuation ratios of Central Bank Of India's currently when compared to its past seem to suggest it is in the Overvalued zone.
3. Is Central Bank Of India a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Central Bank Of India is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 6,494 | 7,247 | 7,066 | 6,574 | 6,517 | 6,772 | 7,629 | 8,245 | 9,487 | 11,687 | 12,721 | |
| YoY Gr. Rt. % | - | 11.6% | -2.5% | -7% | -0.9% | 3.9% | 12.7% | 8.1% | 15.1% | 23.2% | - | |
| Total Income | 26,350 | 28,303 | 27,827 | 27,537 | 26,658 | 25,052 | 27,199 | 25,846 | 25,770 | 29,626 | 31,452 | |
| YoY Gr. Rt. % | - | 7.4% | -1.7% | -1% | -3.2% | -6% | 8.6% | -5% | -0.3% | 15% | - | |
| Adj EPS (₹ ) | -9.4 | 3.7 | -8.4 | -12.8 | -19.5 | -13.9 | -2 | -1.5 | 1.2 | 1.8 | 2 | |
| YoY Gr. Rt. % | - | NA | -329.2% | NA | NA | NA | NA | NA | NA | 51.7% | - | |
| BVPS (₹ ) | 91.3 | 94.3 | 85.1 | 73.9 | 56.7 | 39.2 | 32.3 | 30.5 | 27.4 | 29.3 | 29.8 | |
| YoY Gr. Rt. % | - | 3.3% | -9.7% | -13.2% | -23.3% | -30.9% | -17.5% | -5.7% | -10% | 6.9% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -0.5 | 0.2 | -0.5 | -1.6 | -1.6 | -1.7 | -0.3 | -0.2 | 0.3 | 0.4 | 0.3 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 3.8 | 3.6 | 7.4 | 10.2 | 11.1 | 7.7 | 7.6 | 5.8 | 4 | 1.8 | 1.8 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 6.8% | 12.4% | 15.3% | 23.2% | ||||||||
| Total Income | 1.3% | 2.1% | 2.9% | 15% | ||||||||
| Adj EPS | NA | NA | NA | 51.7% | ||||||||
| BVPS | -11.9% | -12.4% | -3.2% | 6.9% | ||||||||
| Share Price | -1.3% | -1% | 43.5% | 138.8% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
| Interest Earned / Total Income | 92.7 | 93.31 | 93.03 | 89.56 | 90.16 | 90.37 | 86.63 | 87.95 | 88.48 | 86.22 | 86.6 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 2.4 | 2.5 | 2.5 | 3 | 2.2 | 2.2 | 2.3 | 2.4 | 2.6 | 3.1 | 3.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -10.5 | 4.3 | -9.5 | -17.2 | -35.3 | -36.7 | -6.5 | -4.9 | 5 | 6.4 | 4.9 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 33.3 | 34.1 | 35.5 | 39.2 | 42.5 | 46.2 | 46.4 | 49.3 | 50.6 | 50.5 | - | |
Return on Equity has increased versus last 3 years average to 6.90%
Total Income has increased 2.89 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
Net Profit has declined 0.00 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 2 | 2.2 |
| TTM Sales (₹ Cr.) | 27,241 | 27,361 |
| BVPS (₹.) ⓘ | 29.8 | 30 |
| Reserves (₹ Cr.) ⓘ | 17,197 | 17,381 |
| P/BV ⓘ | 1.57 | 1.56 |
| PE ⓘ | 23.07 | 21.43 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 18.65 / 55.99 |
| All Time Low / High (₹) | 10.04 / 211.86 |
| Market Cap (₹ Cr.) | 40,731 |
| Equity (₹ Cr.) | 8,680.9 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 9.5 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Established in 1911, Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The establishment of the Bank was the ultimate realization of the dream of Sir Sorabji Pochkhanawala, founder of the Bank. Sir Pherozesha Mehta was the first Chairman of a truly 'Swadeshi Bank'. In fact, such was the extent of pride felt by Sir Sorabji Pochkhanawala that he proclaimed Central Bank of India as the 'property of the nation and the country's asset'.
In 2008 Central Bank of India entered into distribution tie up with Kotak Mahindra Asset Management Company. Under this agreement it will offer entire products of Kotak Mutual Fund products from the bank's branches.
Central Bank of India has signed a Memorandum of Understanding with WMG, an Academic Department, University of Warwick. The MOU provides for several areas of cooperation including provision of fast-track loans for Indian students studying at WMG and the building of cooperative relationships between UK and Indian business and also the development of a low cost housing project.
Business area of the bank
Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The products and services offered by the bank includes Individual and NRI- under which the bank offers wide range of product and services such as saving account, deposits, mutual funds, debit card, credit card, NRI account, Money transfer facility, Remittance facility, various loan facilities, senior citizen account, etc.For corporates it offers various products and services such as corporate accounts, loans, RTGS, NEFT, CMS, etc.
Awards & Accolades
2016-17
2017-18
2018-19
2019-20
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
Download APP
