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52 WK LOW (₹)
10.1 (16-10-2020)
52 WK HIGH (₹)
21.6 (29-06-2020)
BSE   17.95  
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Stock Summary

Trade Value (₹ in Lacs) : 2147.48 MCap (₹ in Mn) : 77557.42 Dividend Yield(%) : 0 Price/Earning (TTM) : 0
TTM EPS (₹) : 0 Price/Sales (TTM) : 0 P/E Ratio : 0 Price/Book (MRQ) : 0.41
Book Value(₹) : 0 Face Value(₹) : 0 Latest Reserve (₹ in Mn): 131425.29 EPSc : -1.96
PE : 0 TTMNP : -10775.3 TTMTAX : 5337.4 TTMINTEREST : 155793.1
TTMDEPRECIATION : 0 TTMNetSales : 240275.3 EV_Sales : -0.69 EV (in Mn) : -164788.12
TTMEBITDA : 49633.1 EV_EBITDA : -3.32 TTMCashProfit : -10775.3 TTMCEPS : -1.83
Price_CEPS : -7.2 TTMNPAEX : -10775.3

Peer Group Compare

Comp. Name Price M.Cap Div Yld % P/E Ratio Price/Earning (TTM) TTM EPS (₹)
State Bank Of India (BSE)

395.8 ( -2.28%)

252031.03 0 0 14.06 20.09
Punjab National Bank (BSE)

43.6 ( 0.11%)

34157.24 0 0 0 -0.25
Bank Of Baroda (BSE)

85.8 ( 0.23%)

30842.28 0 0 12.95 5.16
Canara Bank (BSE)

168.55 ( 1.66%)

21078.25 0 0 0 -10.4
Union Bank Of India (BSE)

39.35 ( -1.38%)

18900.19 0 0 0 -1.68

Management Info

Chairman : Tapan Ray
Managing Director : Pallav Mohapatra
Company Secretory :
Incorporation Year : 1911

Registered Office

Address : Central Bank Of India
9th Floor , Chandermukhi
Nariman Point
City-Pincode : Mumbai-400021
Phone : 022-6638 7818 / 7575
Website : www.centralbankofindia.co.in
Email : agmcompsec@centralbank.co.in/investors@centralbank.co.in

Registrars Details

Registrars Details : Link Intime India Pvt Ltd.
Address : C 101, 247 Park, LBS Marg, Vikhroli (W), Mumbai(Old Address:) C-13 Pannalal Silk Compound, L B S Marg, Bhandup Mumbai Maharashtra
Listing : BSE, NSE

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Balance Sheet

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 57097.63 40472.01 26181.56 19021.71 16897.14
  Equity - Authorised 100000 50000 50000 50000 50000
  Equity - Issued 57097.63 40472.01 26181.56 19021.71 16897.14
 Equity Paid Up 57097.63 40472.01 26181.56 19021.71 16897.14
  Equity Shares Forfeited 0.00 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0 0 0.00 0 0.00
  Face Value 0.01 0.01 0.01 0.01 0.01
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 158267.39 151362.93 155923.05 156262.57 162828.56
  Securities Premium 241070.27 221538.33 169908.79 118658.64 100895.3
  Capital Reserves 0.00 0.00 0.00 0.00 0.00
  Profit & Loss Account Balances -174286.95 -160101.11 -103287.87 -50885.16 -22369.07
  General Reserves 0.00 0.00 0.00 0.00 0.00
Reserve excluding Revaluation Reserve 128641.4 120616.97 124620.62 124208.8 129905.11
Revaluation Reserves 29625.99 30745.96 31302.43 32053.78 32923.46
Deposits 3142011.42 3003113.86 2953544.88 2973092.27 2666863.04
  Demand Deposits 154075.02 164093.07 146781.79 131967.75 119444.53
  Savings Deposit 1301999.95 1221388.67 1105092.89 1031024.98 824849.15
  Term Deposits / Fixed Deposits 1685936.45 1617632.11 1701670.2 1810099.54 1722569.37
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 60760.33 56396.66 60256.82 96233.04 95031.18
  Borrowings From Reserve Bank of India 6690 0.00 0.00 110.05 8250
  Borrowings From Other Banks 2606.32 3750.51 2907.19 32039.25 2670.83
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 1773.01 2955.15 4108.63 6961.74 15549.35
  Borrowings in the form of Bonds / Debentures 49691 49691 53241 57122 68561
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 154784.53 64940.98 77188.59 95163.42 118890.83
  Bills Payable 6203.58 6454.29 6918.64 7502.37 6624.51
  Inter-office adjustment Liabilities 87745.54 0.00 5526.44 0.00 0.00
  Interest Accrued 8063.39 8371.94 7760.14 8103.47 15276.24
  Proposed Dividend 0.00 0.00 0.00 0.00 0.00
  Corporate dividend tax payable 4.11 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0.00 0.00 0.00 0.00 0.00
Total Liabilities 3573374.47 3318846.42 3273492.99 3346949.23 3066211.45
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 300219.25 207794.5 360001.2 750871.8 140702.04
  Cash with RBI 283924.91 194415.69 344944.3 733173.44 124110.54
  Cash in hand & others 16294.34 13378.81 15056.89 17698.36 16591.5
Balances with banks and money at call 60445.6 105181.42 32622.9 37077.88 14994.53
Investments 1425256.69 1254527.37 1027694.65 922765.61 890866.81
Investments in India 1423728.13 1253057.34 1026358.16 921509.48 889663.59
  GOI/State Govt. Securities 1095205.96 962357.88 813468.95 741004.93 665614.48
  Equity Shares - Corporate 5438.14 8342.1 12611.66 13570.13 10533.84
  Debentures & Bonds 276612.44 214694.32 142205.2 103512.4 172776.41
  Subsidiaries and/or joint ventures/Associates 917.89 3278.91 3244.31 3777.97 4215.49
  Units - MF/ Insurance/CP/PTC 45553.7 64384.14 54828.05 59644.05 36523.36
Investments outside India 1528.55 1470.02 1336.48 1256.13 1203.22
  Government securitiesC 0.00 0.00 0.00 0.00 0.00
  Subsidiaries and/or joint ventures abroad 1528.55 1470.02 1336.48 1256.13 1203.22
  Other investments outside India 0.00 0.00 0.00 0.00 0.00
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 1519523.75 1474254.77 1574795.27 1404639.64 1808951.84
  Bills Purchased & Discounted 8707.6 11108.72 12108.77 16294.56 17819.79
  Cash Credit, Over Draft & Loans repayable 717491.22 706278.28 706785.4 660396.25 748150.65
  Term Loans 793324.93 756867.76 855901.09 727948.83 1042981.4
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 74515.86 71562.38 69508.68 66590.92 64912.16
  Premises 40225.17 40229.4 40328 40128.54 40106.6
  Assets Given on Lease 0.00 0.00 0.00 0.00 0.00
  Other Fixed Assets 34290.7 31332.99 29180.67 26462.38 24805.56
Less: Accumulated Depreciation 31058.78 28364.33 25980.14 23591.62 21221.91
Net Block 43457.08 43198.05 43528.54 42999.3 43690.24
Less: Impairment of Assets 0.00 0.00 0.00 0.00 0.00
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 0.00 0.00 0.00 0.00 0.00
Other Assets 224472.1 233890.32 234850.44 188594.99 167005.99
  Inter-office adjustment Assets 0.00 1255.93 0.00 3061.56 35311.35
  Interest Accrued Assets 19953.12 18519.61 16833.03 14945.21 14957.06
  Tax paid in advance/TDS 53737.98 51670.5 53502.04 52821.13 40164.91
  Stationery and stamps 209.84 201.81 199.85 179.36 180.74
  Non-banking assets acquired 0.00 0.00 0.00 0.00 0.00
  Deferred tax asset 76068.87 78821.04 53575.85 23443.62 10849.1
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 3573374.47 3318846.42 3273492.99 3346949.23 3066211.45
Contingent Liabilities 561870.31 866730.38 1194026.63 833678.27 768077.39
  Claims not acknowledged as debts 18386.05 26789.91 30948.49 34117.41 26073.12
  Outstanding forward exchange contracts 350201.25 644432.27 928313.33 547105.57 507501.88
  Guarantees given in India 118838.46 115686.58 104410.64 107887.76 103472.43
  Guarantees given Outside India 7499.92 7156.06 2839.5 3852.66 7676.75
  Acceptances, endorsements & other obligations 42713.1 66157.21 123009.27 137965.39 121103.91
Bills for collection 142767.41 162473.92 144860.67 91689.35 118375.84
Book Value 0.03 0.04 0.06 0.08 0.09
Adjusted Book Value 0.03 0.04 0.06 0.08 0.09
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 57097.63 40472.02 26181.56 19021.71 16897.14
  Equity - Authorised 100000 50000 50000 50000 50000
  Equity - Issued 57097.63 40472.02 26181.56 19021.71 16897.14
 Equity Paid Up 57097.63 40472.02 26181.56 19021.71 16897.14
  Equity Shares Forfeited 0.00 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0.00 0.00 0.00 0.00 0.00
  Face Value 0.01 0.01 0.01 0.01 0.01
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 100000 100000 100000 100000 100000
  Securities Premium 100000 100000 100000 100000 100000
  Capital Reserves 0 0 0 0 0
  Profit & Loss Account Balances -100000 -100000 -100000 -53563.92 -25335.56
  General Reserves 0 0 0 0 0
Reserve excluding Revaluation Reserve 100000 100000 100000 100000 100000
Revaluation Reserves 29625.99 30745.96 31302.43 32053.78 32923.46
Deposits 3137631.64 2998554.37 2948388.57 2966711.93 2661841.87
  Demand Deposits 154145.29 164165.54 146864.87 132071.25 119703.72
  Savings Deposit 1301999.95 1221388.67 1105092.89 1031024.98 824849.15
  Term Deposits / Fixed Deposits 1681486.41 1613000.16 1696430.81 1803615.7 1717289.01
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 57871.97 52390.62 57061.16 92824.45 92078.93
  Borrowings From Reserve Bank of India 6690 0.00 0.00 110.05 8250
  Borrowings From Other Banks 17.96 44.47 11.53 28920.66 8.58
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 1773.01 2955.15 4108.63 6961.74 15549.35
  Borrowings in the form of Bonds / Debentures 49391 49391 52941 56832 68271
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 154560.23 64757.68 76947.68 94971.66 118598.78
  Bills Payable 6203.58 6454.29 6918.64 7502.37 6624.51
  Inter-office adjustment Liabilities 87745.54 0.00 5526.44 0.00 0.00
  Interest Accrued 8063.39 8371.94 7760.14 8133.76 15325.15
  Proposed Dividend 0.00 0.00 0.00 0.00 0.00
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0 0 0 0 0
Total Liabilities 100000 100000 100000 100000 100000
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 300217.52 207790.85 359999.09 750867.55 140695.08
  Cash with RBI 283924.91 194415.69 344944.3 733173.44 124110.54
  Cash in hand & others 16292.61 13375.16 15054.78 17694.11 16584.54
Balances with banks and money at call 60172.95 104208.46 32285.27 36797.77 14715.38
Investments 100000 100000 100000 100000 100000
Investments in India 1424700.47 1252505.81 1025841.24 920473.89 888200.49
  GOI/State Govt. Securities 1094933.56 962060.27 813171.35 740707.33 665326.89
  Equity Shares - Corporate 5438.14 8342.1 12611.66 13570.13 10533.84
  Debentures & Bonds 276612.44 214694.32 142205.2 103512.4 172776.41
  Subsidiaries and/or joint ventures/Associates 2177.63 3039.99 3039.99 3039.99 3039.99
  Units - MF/ Insurance/CP/PTC 45538.7 64369.14 54813.05 59644.05 36523.36
Investments outside India 474.89 474.89 474.89 474.89 474.89
  Government securitiesC 0.00 0.00 0.00 0.00 0.00
  Subsidiaries and/or joint ventures abroad 474.89 474.89 474.89 474.89 474.89
  Other investments outside India 0.00 0.00 0.00 0.00 0.00
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 1511008.78 1465253.61 1565421.77 1393987.7 1800095.88
  Bills Purchased & Discounted 8707.6 11108.72 12108.77 16294.56 17819.79
  Cash Credit, Over Draft & Loans repayable 715697.21 705021.26 705309.85 658991.18 746950.8
  Term Loans 786603.97 749123.62 848003.15 718701.95 1035325.29
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 74392 71439.94 69389.09 66470.39 64792.49
  Premises 40225.17 40229.4 40328 40128.54 40106.6
  Assets Given on Lease 0.00 0.00 0.00 0.00 0.00
  Other Fixed Assets 34166.84 31210.54 29061.09 26341.86 24685.89
Less: Accumulated Depreciation 31030.16 28337.5 25955.28 23566.65 21199.62
Net Block 43361.85 43102.44 43433.81 42903.74 43592.87
Less: Impairment of Assets 0 0 0 0 0
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 0 0 0 0 0
Other Assets 224422.13 233840.59 234796.7 188513.9 166886.41
  Inter-office adjustment Assets 0.00 1255.93 0.00 3061.56 35311.35
  Interest Accrued Assets 19912.75 18462.35 16785.6 14925.21 14944.33
  Tax paid in advance/TDS 53720.01 51634.46 53481.24 52775.46 40116.34
  Stationery and stamps 209.84 201.81 199.85 179.36 180.74
  Non-banking assets acquired 0.00 0.00 0.00 0.00 0.00
  Deferred tax asset 76168 78940.1 53680.3 23536.8 10882.8
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 100000 100000 100000 100000 100000
Contingent Liabilities 100000 100000 100000 100000 100000
  Claims not acknowledged as debts 18365.18 26744.04 30903.01 34071.93 26030.15
  Outstanding forward exchange contracts 350201.25 644432.27 928313.33 547105.57 507501.88
  Guarantees given in India 118838.46 115686.58 104410.64 107887.76 103472.43
  Guarantees given Outside India 7499.92 7156.06 2839.5 3852.66 7676.75
  Acceptances, endorsements & other obligations 42713.1 66157.21 123009.27 137965.39 121103.91
Bills for collection 142767.41 162473.92 144860.67 91689.35 118375.84
Book Value 0.03 0.04 0.06 0.07 0.09
Adjusted Book Value 0.03 0.04 0.06 0.07 0.09

Quarterly Results

Particulars Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 60793.10 60414.20 59547.20 60575.80
Income On Investments 25284.90 25429.50 25275.20 25637.10
Interest On Balances With Rbi Other Inter Bank Funds 1554.80 1735.10 1153.80 1388.20
Interest / Discount On Advances / Bills 32279.6 31471 32613.6 30884
Others 1673.8 1778.6 504.6 2666.5
Other Income 7813.6 7104.4 7887.5 12504
Total Income 68606.7 67518.6 67434.7 73079.8
Interest Expended 37131.9 38859.3 40189.1 40248.3
Operating Expenses 16809 15684.4 22068.7 15791
Total Expenditure 16809 15684.4 22068.7 15791
Operating Profit Before Provisions and Contingencies 14665.8 12974.9 5176.9 17040.5
Exceptional Items 0 0 0 0
Provisions and contingencies 11056.7 9774.2 21816.5 12496.1
Profit Before Tax 3609.1 3200.7 -16639.6 4544.4
Tax 1948.2 1826.5 -1307 2941.2
Profit After Tax 1660.9 1374.2 -15332.6 1603.2
+/- Extraordinary Items 0 0 0 0
+/- Prior period items 0 0 0 0
Net Profit 1660.9 1374.2 -15332.6 1603.2
Minority Interest -17.9 -6.1 -4.6 -16.4
Shares of Associates -358.6 104 -1464.6 56
Other related items 0 0 0 0
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 1660.9 1374.2 -15332.6 1603.2
Equity Capital 1284.4 1472.1 -16801.8 1642.8
Face Value (IN RS) 10 10 10 10
Reserves 0 0 0 0
% of Shares held by Govt 89.78 92.39 92.39 92.39
Capital Adequacy Ratio 0.00 0.00 0.00 0.00
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 0 0 0 0
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 0 0 0 0
% of Gross NPAs 0 0 0 0
Return on Assets 0 0 0 0
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 0.22 0.26 -2.98 0.35
Basic Eps Before Extraordinary Items 0.22 0.26 -2.98 0.35
PBIDTM% 67.02 69.62 39.55 28.13
PBDTM% 5.94 5.3 -27.94 7.5
PBTM% 5.94 5.3 -27.94 7.5
PATM% 2.73 2.27 -25.75 2.65
Particularsaaa Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 60532.5 60163.5 59290.5 60288.8
Income On Investments 25271.3 25416.5 25260.9 25611.4
Interest On Balances With Rbi Other Inter Bank Funds 1554.8 1735.1 1153.8 1388.3
Interest / Discount On Advances / Bills 32032.7 31233.3 32371.1 30622.8
Others 1673.7 1778.6 504.7 2666.3
Other Income 7806.9 7103.3 7946.8 9999.9
Total Income 68339.4 67266.8 67237.3 72782.9
Interest Expended 9999.9 9999.9 9999.9 9999.9
Operating Expenses 16771 15647 22032.5 15749.7
Total Expenditure 16771 15647 22032.5 15749.7
Operating Profit Before Provisions and Contingencies 14587.8 12909.7 5172.4 16963.2
Exceptional Items 0 0 0 0
Provisions and contingencies 11049.2 9746.4 21783.3 12492.1
Profit Before Tax 3538.6 3163.3 -16610.9 4471.1
Tax 1930.7 1809 -1320.2 2917.9
Profit After Tax 1607.9 1354.3 -15290.7 1553.2
+/- Extraordinary Items 0.00 0.00 0.00 0.00
+/- Prior period items 0.00 0.00 0.00 0.00
Net Profit 1607.9 1354.3 -15290.7 1553.2
Minority Interest 0.00 0.00 0.00 0.00
Shares of Associates 0.00 0.00 0.00 0.00
Other related items 0.00 0.00 0.00 0.00
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 1607.9 1354.3 -15290.7 1553.2
Equity Capital 1607.9 1354.3 -15290.7 1553.2
Face Value (IN RS) 10 10 10 10
Reserves 0 0 0 0
% of Shares held by Govt 87.78 92.39 92.39 92.39
Capital Adequacy Ratio 12.34 11.5 11.72 12.83
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 86835.8 104694.4 115344.6 135680.5
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 5.6 6.76 7.63 9.26
% of Gross NPAs 17.36 18.1 18.92 19.99
Return on Assets 0.00 0.00 0.00 0.00
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 0.28 0.24 -2.71 0.33
Basic Eps Before Extraordinary Items 0.28 0.24 -2.71 0.33
PBIDTM% 66.94 69.6 39.5 28.14
PBDTM% 5.85 5.26 -28.02 7.42
PBTM% 5.85 5.26 -28.02 7.42
PATM% 2.66 2.25 -25.79 2.58

Profit-Loss

-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 236755.9 227486.2 241631.16 247749.6 259876.57
     Interest / Discount on advances / Bills 126092.66 130538.32 146009.46 163917.06 190737.58
     Interest on balances with RBI and other Inter-bank funds 4808.9 8728.06 20585.44 6388.24 953.05
     Income on investments 99249.41 84602.03 71427.07 73767.96 64775.51
     Others 6604.93 3617.79 3609.2 3676.34 3410.43
Other Income
     Commission,exchange and brokerage 11378.45 12069.53 12657.31 9323.57 9113.44
     Profit / (loss)on sale of investments(net) 12149.42 2151.88 5766.76 15416.56 5868.19
     Profit on sale of Fixed Assets -224.13 -44.27 -44.92 -12.41 743.18
     Foreign Exchange Gains 2303.83 1404.37 1409.05 1690.69 1649.59
     Income earned from subsidiaries/joint venture 0 0 0 0 66.13
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -108671937 -72489981 -78612228 -86134755 -77778872
Total Income 272979.88 251649.52 267835.24 276461.18 279321.29
II. EXPENDITURE
Interest Expended 160045.61 159346.58 176033.21 181664.5 188892.98
     Intereston Deposits 154000.68 152748.18 162207.54 173272.03 176497.09
     Interest on RBI / inter-bank borrowings 804.92 743.72 911.05 843.09 2775.49
     Other Interest 5240.01 5854.69 12914.62 7549.39 9620.41
Operating Expenses 69389.95 60801.59 64257.74 63782.73 63776.91
     Payments to and provisions for employees 42258.65 35744.82 39900.47 42212.01 44721.54
     Rent,Taxes and lighting 4953.35 4740.97 4766.15 4479.5 4023.23
     Depreciation on Banks property 2854.81 2779.35 2604.99 2576.93 2397.89
     Depreciation on leased assets
     Auditor's fees and expenses 282.93 305.83 201.06 302.34 253.4
     Law charges 346.07 181.71 186.08 216.49 196.61
     Communication Expenses 907.57 901.39 665.48 471.71 748.13
     Repairs and Maintenance 1045.43 990.1 1133.76 1208.22 695.87
     Insurance 3786.2 3001.14 3572.07 3253.83 2700.01
     Other expenses 12954.95 12156.28 11227.69 9061.7 8040.22
Provisions and Contingencies 52698.84 113065.93 106410.7 55432.73 53223.05
     Provision for investments 10655.4 9838.8 7941.7 8480
     Provision for advances -1588.2 -4250.2 -9506.2 -12350
     Others Provisions 43631.64 107477.33 107975.2 55432.73 57093.05
Profit Before Tax 235023.07 266170.45 262470.47 214012.14 207428.26
Taxes 2118.6 -25287.4 -27910.7 0 -12510
     Current Income Tax 2118.6 -25287.4 -27910.7 -12510
     Deferred Tax
     Other taxes 0 0 0 0 0
Profit After Tax -11273.12 -56277.17 -50955.71 -24418.78 -14061.66
Extra items
Minority Interest -36.41 -57.94 -59.94 -25.81 -47.85
Share of Associate -1247.71 165.86 -380.39 -149.02 145.86
Other Consolidated Items
Consolidated Net Profit -12557.23 -56169.25 -51396.03 -24593.61 -13963.65
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 10
     Appropriation to General Reserve
     Appropriation to Revenue Reserve 13.3 15.9 24.29 12.08 9.54
     Appropriation to Other Reserves
     Equity Dividend
     Corporate dividend tax 4.11 10.73 6.56 5.71 17.85
     Other appropriations -172675.76 -159483.75 -102312.03 -46980.48 -21390.85
Equity Dividend %
Earnings Per Share -2.1993 -13.8785 -19.6306 -12.9292 -8.2639
Adjusted EPS -2.1993 -13.8785 -19.6306 -12.9292 -8.2639
-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 235624.66 226385.71 240355.17 246614.08 258878.97
     Interest / Discount on advances / Bills 125054.59 129497.46 144787.54 162834.12 189777.09
     Interest on balances with RBI and other Inter-bank funds 4808.9 8728.06 20585.44 6388.24 953.05
     Income on investments 99156.37 84542.4 71373.63 73718.49 64738.5
     Others 6604.79 3617.79 3608.56 3673.24 3410.33
Other Income
     Commission,exchange and brokerage 11362.72 12038.13 12624.75 9292.94 9083.67
     Profit / (loss)on sale of investments(net) 12149.42 2151.88 5766.76 15416.56 5868.19
     Profit on sale of Fixed Assets -224.15 -44.27 -44.98 -12.42 743.14
     Foreign Exchange Gains 2303.83 1404.37 1409.05 1690.69 1649.59
     Income earned from subsidiaries/joint venture 176.36 52.2 100.97 128.16 100.27
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -181841080 -120646840 -131117560 -143782200 -96939280
Total Income 100000 100000 100000 100000 100000
II. EXPENDITURE
Interest Expended 100000 100000 100000 100000 100000
     Intereston Deposits 154018.42 152763.23 162226.89 173303.97 176533.42
     Interest on RBI / inter-bank borrowings 87.77 47.69 45.7 37.02 2074.64
     Other Interest 5230.01 5852.98 12912.49 7532.97 9614.64
Operating Expenses 69215.21 60586.25 64063.69 63610.28 63614.69
     Payments to and provisions for employees 42167.2 35652.22 39833.7 42143.12 44656.74
     Rent,Taxes and lighting 4936.4 4724.27 4746.74 4460.41 4004.4
     Depreciation on Banks property 2852.75 2777.24 2603.09 2573.71 2394.34
     Depreciation on leased assets
     Auditor's fees and expenses 281.71 303.41 198.59 299.16 252.03
     Law charges 335.1 167.28 171.27 199.83 180.14
     Communication Expenses 905.75 899.28 663.45 469.35 745.66
     Repairs and Maintenance 1044.34 988.94 1132.75 1207.46 695.13
     Insurance 3786.17 3000.8 3571.76 3253.41 2699.88
     Other expenses 12905.79 12072.82 11142.34 9003.84 7986.37
Provisions and Contingencies 52536.39 112967.13 106289.59 66175.27 53121.35
     Provision for investments 10655.4 9838.8 7941.7 3944.3 8480
     Provision for advances -1588.2 -4250.2 -9506.2 3207.3 -12350
     Others Provisions 43469.19 107378.53 107854.09 59023.67 56991.35
Profit Before Tax 121751.6 173553.38 170353.28 129785.54 116736.04
Taxes 2118.6 -25287.4 -27910.7 -10898 -12510
     Current Income Tax 2118.6 -25287.4 -27910.7 -10898 -12510
     Deferred Tax 0 0 0 0 0
     Other taxes 0 0 0 0 0
Profit After Tax -11213.52 -56414.8 -51048.98 -24390.98 -14181.9
Extra items
Minority Interest
Share of Associate
Other Consolidated Items
Consolidated Net Profit -11213.52 -56414.8 -51048.98 -24390.98 -14181.9
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve
     Appropriation to General Reserve
     Appropriation to Revenue Reserve
     Appropriation to Other Reserves 0 0 0 0 0
     Equity Dividend
     Corporate dividend tax
     Other appropriations -100000 -100000 -100000 -49726.54 -24409.63
Equity Dividend % 0 0 0 0 0
Earnings Per Share -1.96 -13.94 -19.50 -12.82 -8.39
Adjusted EPS -1.96 -13.94 -19.50 -12.82 -8.39

Financial Ratios

Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) -2.2 -13.88 -19.63 -12.93 -8.26
DPS(Rs) 0 0 0 0 0
Book NAV/Share(Rs) 32.53 39.8 57.6 75.3 86.88
Margin Ratios
Yield on Advances 15.58 15.43 15.34 17.64 14.37
Yield on Investments 7.82 6.92 7.51 9.66 7.93
Cost of Liabilities 5 5.21 5.84 5.92 6.84
NIM 2.32 2.24 2.19 2.12 2.49
Interest Spread 10.58 10.22 9.5 11.72 7.53
Performance Ratios
ROA(%) -0.33 -1.71 -1.54 -0.76 -0.45
ROE(%) -6.5 -36.09 -34.66 -16.84 -9.19
ROCE(%) -1.18 -30.43 -24.98 -5.74 -3.95
Efficiency Ratios
Cost Income Ratio 61.44 65.87 70 67.28 70.53
Core Cost Income Ratio 68.85 67.44 74.69 80.35 75.42
Operating Costs to Assets 1.94 1.83 1.96 1.91 2.08
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 0
Tier-1 (Basel II) 0 0 0 0 0
Tier-2 (Basel II) 0 0 0 0 0
Basel III
Total CAR (Basel III) 0 0 0 0 0
Tier - 1 (Basel III) 0 0 0 0 0
Tier - 2 (Basel III) 0 0 0 0 0
Valuation Parameters
PER(x) 0 0 0 0 0
PCE(x) -8.27 -2.76 -3.98 -9.22 -10.73
Price/Book(x) 0.38 0.92 1.28 1.41 0.85
Yield(%) 0 0 0 0 0
EV/Net Sales(x) 0.55 0.9 1.05 1.2 0.85
EV/Core EBITDA(x) 3 6.48 9.17 9.6 8.26
EV/EBIT(x) 0.86 2.62 2.6 1.89 1.36
EV/CE(x) 0.04 0.06 0.08 0.09 0.07
M Cap / Sales 0.29 0.65 0.8 0.81 0.48
Growth Ratio
Core Operating Income Growth 12.58 3.87 -0.74 -6.9 -2.45
Operating Profit Growth 29.77 5.49 -23.69 4.35 -17.76
Net Profit Growth 79.97 -10.44 -108.67 -73.66 -327.43
BVPS Growth -18.27 -30.9 -23.51 -13.33 -9.51
Advances Growth 3.07 -6.38 12.11 -22.35 -4.32
EPS Growth(%) 84.15 29.3 -51.83 -56.45 -305.74
Liquidity Ratios
Loans/Deposits(x) 0.02 0.02 0.02 0.03 0.04
Total Debt/Equity(x) 0.1 0.07 0.12 0.25 0.05
Current Ratio(x) 0.45 0.42 0.35 0.31 0.33
Quick Ratio(x) 1.93 1.88 2.04 3.24 3.56
Interest Cover(x)
Total Debt/Mcap(x) 0 0 0 0 0
Net NPA in Rs. Million 0 0 0 0 0
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) -1.96 -13.94 -19.5 -12.82 -8.39
DPS(Rs) 0 0 0 0 0
Book NAV/Share(Rs) 32.34 39.19 56.74 73.93 85.14
Margin Ratios
Yield on Advances 15.59 15.45 15.35 17.69 14.38
Yield on Investments 7.81 6.92 7.52 9.68 7.95
Cost of Liabilities 4.99 5.2 5.83 5.91 6.83
NIM 2.31 2.23 2.18 2.12 2.48
Interest Spread 10.61 10.25 9.53 11.78 7.55
Performance Ratios
ROA(%) -0.33 -1.72 -1.55 -0.76 -0.46
ROE(%) -6.53 -36.73 -35.31 -17.15 -9.45
ROCE(%) -1.46 -31.53 -25.92 -10.14 -4.23
Efficiency Ratios
Cost Income Ratio 61.44 65.96 70.1 67.31 70.65
Core Cost Income Ratio 68.87 67.54 74.82 80.44 75.57
Operating Costs to Assets 1.94 1.83 1.96 1.91 2.08
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 11.95 0 9.46 11.28 11.07
Tier-1 (Basel II) 7.57 0 5.5 7.16 7.44
Tier-2 (Basel II) 4.38 0 3.96 4.12 3.63
Basel III
Total CAR (Basel III) 11.72 9.61 9.04 10.95 10.41
Tier - 1 (Basel III) 9.33 7.49 7.01 8.62 8.2
Tier - 2 (Basel III) 2.39 2.12 2.03 2.33 2.21
Valuation Parameters
PER(x) 0 0 0 0 0
PCE(x) -8.33 -2.75 -3.97 -9.23 -10.61
Price/Book(x) 0.38 0.93 1.3 1.43 0.87
Yield(%) 0 0 0 0 0
EV/Net Sales(x) 0.54 0.88 1.04 1.19 0.84
EV/Core EBITDA(x) 2.94 6.4 9.13 9.53 8.22
EV/EBIT(x) 0.85 2.6 2.59 2.02 1.34
EV/CE(x) 0.04 0.06 0.08 0.09 0.07
M Cap / Sales 0.3 0.65 0.8 0.82 0.48
Growth Ratio
Core Operating Income Growth 12.65 3.92 -0.87 -6.96 -2.5
Operating Profit Growth 29.93 5.42 -17.57 -0.58 -17.62
Net Profit Growth 80.12 -10.51 -100 -71.99 -100
BVPS Growth -17.47 -30.93 -23.25 -13.17 -9.74
Advances Growth 3.12 -6.4 12.3 -22.56 -4.49
EPS Growth(%) 85.91 28.51 -52.06 -52.78 -100
Liquidity Ratios
Loans/Deposits(x) 0.02 0.02 0.02 0.03 0.03
Total Debt/Equity(x) 0.1 0.07 0.12 0.25 0.05
Current Ratio(x) 0.45 0.42 0.35 0.31 0.33
Quick Ratio(x) 1.84 1.75 1.94 3.13 3.46
Interest Cover(x)
Total Debt/Mcap(x) 18.92 19.29 21.48 17.81 11.95
Net NPA in Rs. Million 7.63 7.73 11.1 10.2 7.36

Cash Flow

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes -1.03 -8.13 -7.91 -3.52 -2.65
Adjustments for Expenses & Provisions : 5.57 11.58 10.9 6.88 5.48
Adjustments for Liabilities & Assets: -2.7 -18.14 -47.06 59.61 -1.58
Refund/(payment) of direct taxes -0.15 0.18 -0.3 -1.1 -0.97
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities 1.69 -14.51 -44.38 61.87 0.28
Cash Flow from investing activities -0.31 -0.25 -0.31 -0.19 -0.15
Cash Flow from financing activities 3.4 6.8 5.15 1.54 0.6
Effect of exchange fluctuation on translation reserve 0 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 4.77 -7.96 -39.53 63.23 0.73
Opening Cash & Cash Equivalents 31.3 39.26 78.79 15.57 14.84
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 36.07 31.3 39.26 78.79 15.57
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes -1.03 -8.13 -7.91 -3.52 -2.65
Adjustments for Expenses & Provisions : 5.57 11.58 10.9 6.88 5.48
Adjustments for Liabilities & Assets: -2.7 -18.14 -47.06 59.61 -1.58
Refund/(payment) of direct taxes -0.15 0.18 -0.3 -1.1 -0.97
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities 1.69 -14.51 -44.38 61.87 0.28
Cash Flow from investing activities -0.31 -0.25 -0.31 -0.19 -0.15
Cash Flow from financing activities 3.4 6.8 5.15 1.54 0.6
Effect of exchange fluctuation on translation reserve 0 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 4.77 -7.96 -39.53 63.23 0.73
Opening Cash & Cash Equivalents 31.3 39.26 78.79 15.57 14.84
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 36.07 31.3 39.26 78.79 15.57
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0

Share Price

Year Open Price (₹) High Price (₹) Low Price (₹) Close Price (₹) Volume (000's) Value (in Lakhs)
February-2021 13.55 15.49 13.55 14.09 7477.49 1090.13
January-2021 13.85 14.7 12.48 13.54 16167.91 2261.03
December-2020 12.8 16.96 12.21 13.77 39273.53 5707.07
November-2020 11.12 12.9 10.87 12.71 18967.49 2238.38
October-2020 14.3 14.66 10.04 10.98 18404.75 2086.39
September-2020 17.6 17.8 14.25 14.35 3193.54 513.14
August-2020 17.95 19 17.1 17.7 3662.16 658.18
Central Bank of India informs about change in board of directors01-Mar-2021 10:04 AM  
Central Bank of India reports marginal rise in Q3 consolidated net profit09-Feb-2021 04:18 PM  
Central Bank of India gains on signing MoU with NABFOUNDATION12-Jan-2021 11:47 AM  
Central Bank of India rises on signing MoU with NABFOUNDATION12-Jan-2021 10:54 AM  
Central Bank of India signs MoU with NABFOUNDATION11-Jan-2021 10:16 AM  
Central Bank of India surges on signing MoU with SIDBI31-Dec-2020 11:36 AM  
Central Bank of India signs MoU with SIDBI30-Dec-2020 09:43 AM  
Central Bank of India informs about change in composition of board of directors28-Dec-2020 01:42 PM  
Central Bank of India surges on launching contactless debit card in association with NPCI23-Dec-2020 11:06 AM  
Central Bank of India launches contactless debit card in association with NPCI23-Dec-2020 09:44 AM  
Central Bank of India soars on getting nod to raise Rs 500 crore by issuing bonds14-Dec-2020 10:53 AM  
Central Bank of India gets nod to raise Rs 500 crore by issuing bonds 12-Dec-2020 10:05 AM  
Central Bank of India zooms on planning to raise fund09-Dec-2020 10:36 AM  
Central Bank of India planning to raise fund09-Dec-2020 10:31 AM