ScoreWhy is Central Bank of India ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 79.08%
2
Strong Long Term Fundamental Strength with a 47.25% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 47.25%
4
The company has declared Positive results for the last 4 consecutive quarters
- GROSS NPA(Q) Lowest at 2.67%
- CREDIT DEPOSIT RATIO(HY) Highest at 72.02%
- NII(Q) Highest at Rs 4,001.84 cr
5
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 11-May-26 and has generated -12.33% returns since then
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
6
With ROA of 0.8, it has a Very Attractive valuation with a 0.7 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -16.05%, its profits have risen by 15.4% ; the PEG ratio of the company is 0.6
- At the current price, the company has a high dividend yield of 4.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Central Bank should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Central Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Central Bank
-12.99%
-0.56
28.46%
Sensex
-3.04%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.22%
Net Profit Growth (5y)
49.76%
Advance to Deposit
61.28%
Capital Adequacy Ratio (Tier 1)
13.78%
Gross NPA (latest)
2.60%
Gross NPA (avg)
6.02%
Coverage Ratio (avg)
78.64%
Cost to Income (avg)
57.04%
Net Interest Margin (avg)
3.15%
Operating Profit to Assets (avg)
4.10%
ROA (avg)
0.63%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.70
PEG Ratio
0.57
Dividend Yield
3.20%
ROE (Latest)
11.19%
ROA (Latest)
0.81%
Net NPA to Book Value
4.24
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
GROSS NPA(Q)
Lowest at 2.60%
CREDIT DEPOSIT RATIO(HY)
Highest at 72.41%
INTEREST EARNED(Q)
Highest at Rs 9,690.90 cr
PBDIT(Q)
Highest at Rs 1,198.98 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 12.37%
PBT LESS OI(Q)
Highest at Rs 797.36 cr.
PAT(Q)
Highest at Rs 1,323.70 cr.
EPS(Q)
Highest at Rs 1.46
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 55.32 % of Profit Before Tax (PBT
NET NPA(Q)
Highest at 0.49%
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Here's what is working for Central Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 797.36 cr has Grown at 3828.8% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 20.30 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.60% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 9,690.90 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 72.41% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,198.98 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 12.37%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 797.36 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,323.70 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,323.70 cr has Grown at 21.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 1,092.15 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.46
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
CAR - Quarterly
Highest at 18.28%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Central Bank
Non Operating Income - Quarterly
is 55.32 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Net NPA - Quarterly
Highest at 0.49%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
