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Central Bank of India engages in the provision of commercial banking products and services. The company is headquartered in Mumbai, Maharashtra and currently employs 30,770 full-time employees. The company went IPO on 2007-08-11. The firm offers various banking services, including digital banking; deposits; retail loans; agriculture; services for micro, small and medium enterprises; corporate loans; services for non-resident Indians; services for pensioners. Its digital banking services include Internet banking, mobile banking, Cent M-Passbook, debit cards, credit cards, missed call facility, railways ticket booking, automated teller machine and point of sale machine. Its deposits services include savings bank accounts, current accounts, time deposits, recurring deposit scheme, small saving scheme and interest rate on deposits. Its Retail Banking services include housing loans, vehicle loans, education loans, personal/gold loans, loans to senior citizens, and loan against property-personal needs. Its agriculture services include Central Kisan Credit Card, Sent Agri Gold Loan Scheme, Sent SHG Bank Linkage Scheme, and CENT AGRI INFRA Scheme.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹14,242 Cr on total income of ₹52,712 Cr.
Cost-to-income ratio at 58.6%. Provision coverage at 3.9% of income.
“ROA, we have given guidance. It would be above 1%. Net profit of the full year is going to be 4,000 plus crore.”
“target advances were 3 lakh”
“Net profit an all time high, 31.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 11.6%▲ | 11.5% |
| Net Margin | 8.5%▼ | 12.1% |
| EBITDA Margin | 67.0%▼ | 67.3% |
| Debt To Equity | 12.01x▲ | 8.01x |
| Rev Growth 3yr | 12.6%▼ | 14.4% |
| EPS Growth 3yr | 37.3%▲ | 23.3% |
| NIM | 4.2%▼ | 390.0% |
| Cost To Income | 58.6% | - |
| Credit Deposit Ratio | 72.20x | 83.00x |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹25,001 Cr +11.3% | ₹22,456 Cr +13.3% | ₹19,822 Cr +31.9% | ₹15,025 Cr +29.5% | ₹11,600 Cr -1.1% | ₹11,733 Cr -7.0% | ₹12,609 Cr |
| Income on Investments | ₹10,519 Cr +4.2% | ₹10,096 Cr +6.1% | ₹9,514 Cr +9.1% | ₹8,718 Cr -5.9% | ₹9,266 Cr -7.5% | ₹10,014 Cr +0.9% | ₹9,925 Cr |
| ₹5,594 Cr -4.7% | ₹5,871 Cr +24.6% | ₹4,713 Cr +15.4% | ₹4,084 Cr +37.6% | ₹2,967 Cr -6.2% | ₹3,162 Cr -12.7% | ₹3,622 Cr | |
| Total Income | ₹42,864 Cr +8.1% | ₹39,668 Cr +11.5% | ₹35,562 Cr +19.6% | ₹29,742 Cr +15.0% | ₹25,871 Cr -0.5% | ₹25,992 Cr -4.8% | ₹27,298 Cr |
| Interest Expended | ₹22,498 Cr +13.5% | ₹19,830 Cr +10.9% | ₹17,882 Cr +28.6% | ₹13,905 Cr +4.1% | ₹13,361 Cr -8.1% | ₹14,543 Cr -9.1% | ₹16,005 Cr |
| Employee Cost | ₹7,525 Cr +4.0% | ₹7,235 Cr +14.4% | ₹6,326 Cr +12.6% | ₹5,616 Cr +42.6% | ₹3,938 Cr -5.1% | ₹4,150 Cr -1.8% | ₹4,226 Cr |
| Other Operating Expenses | ₹4,438 Cr +0.2% | ₹4,428 Cr +12.1% | ₹3,949 Cr +19.9% | ₹3,294 Cr +17.9% | ₹2,795 Cr +5.5% | ₹2,648 Cr -2.4% | ₹2,713 Cr |
| Provisions & Contingencies | ₹1,931 Cr -39.6% | ₹3,197 Cr -3.6% | ₹3,315 Cr -21.9% | ₹4,244 Cr +21.7% | ₹3,488 Cr -41.5% | ₹5,959 Cr +13.2% | ₹5,264 Cr |
| Total Expenditure | ₹34,461 Cr +9.4% | ₹31,493 Cr +11.8% | ₹28,157 Cr +23.4% | ₹22,815 Cr +13.5% | ₹20,093 Cr -5.8% | ₹21,342 Cr -7.0% | ₹22,944 Cr |
| Profit Before Tax | ₹6,472 Cr +30.0% | ₹4,978 Cr +21.7% | ₹4,090 Cr +52.5% | ₹2,682 Cr +53.7% | ₹1,745 Cr ↑ Recovery | (₹1,309 Cr) -43.9% | (₹910 Cr) |
| Tax | ₹1,920 Cr +65.5% | ₹1,160 Cr -23.4% | ₹1,514 Cr +41.1% | ₹1,073 Cr +57.7% | ₹680 Cr ↑ Recovery | (₹431 Cr) ↓ Decline | ₹218 Cr |
| Net Profit | ₹4,552 Cr +19.2% | ₹3,818 Cr +48.2% | ₹2,576 Cr +60.1% | ₹1,609 Cr +51.2% | ₹1,065 Cr ↑ Recovery | (₹878 Cr) +22.1% | (₹1,127 Cr) |
| Profit (Owners) | ₹4,565 Cr +16.0% | ₹3,934 Cr +47.5% | ₹2,668 Cr +58.9% | ₹1,679 Cr +56.1% | ₹1,076 Cr ↑ Recovery | (₹1,000 Cr) +20.4% | (₹1,256 Cr) |
| Minority Interest | ₹6 Cr -29.9% | ₹9 Cr +0.7% | ₹9 Cr -7.0% | ₹10 Cr +34.2% | ₹7 Cr +37.2% | ₹5 Cr +43.4% | ₹4 Cr |
| EPS | ₹5.04 | ₹4.35 | ₹3.07 | ₹1.93 | ₹1.24 | (₹1.70) | (₹2.20) |
| Diluted Shares | ₹905 Cr | ₹905 Cr | ₹868 Cr | ₹868 Cr | ₹868 Cr | ₹588 Cr | ₹571 Cr |
| Other Interest | ₹518 Cr +57.7% | ₹329 Cr -16.3% | ₹393 Cr -16.4% | ₹469 Cr -41.3% | ₹799 Cr +96.4% | ₹407 Cr -38.4% | ₹660 Cr |
| Non Performing Assets | ₹6,342 Cr +300.9% | ₹1,582 Cr -47.9% | ₹3,038 Cr -16.2% | ₹3,627 Cr -45.9% | ₹6,705 Cr -25.8% | ₹9,036 Cr -72.3% | ₹32,589 Cr |
| Profit Loss Of Associates | ₹19 Cr -84.7% | ₹125 Cr +24.6% | ₹101 Cr +27.3% | ₹79 Cr +328.5% | ₹18 Cr ↑ Recovery | (₹116 Cr) +6.7% | (₹125 Cr) |
| Gross Non Performing Assets | ₹36,273 Cr +290.5% | ₹9,289 Cr -18.5% | ₹11,398 Cr -38.2% | ₹18,436 Cr -34.7% | ₹28,215 Cr -3.6% | ₹29,277 Cr -9.5% | ₹32,356 Cr |
| Interest (RBI & Others) | ₹1,231 Cr +34.4% | ₹916 Cr -18.2% | ₹1,120 Cr -22.4% | ₹1,444 Cr +16.6% | ₹1,238 Cr +83.1% | ₹676 Cr +40.6% | ₹481 Cr |
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.
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.
Central Bank of India has informed the Exchange regarding Appointment of Mr Rajesh Ranjan as Shareholder Director of the company w.e.f. August 01, 2026.
Central Bank of India has informed the Exchange regarding Proceedings of Annual General Meeting held on July 31, 2026
Central Bank of India has informed the Exchange regarding Cessation of Mr SHISHRAM TUNDWAL as General Manager of the company w.e.f. July 31, 2026.
Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 28th July, 2026.
Central Bank of India has informed the Exchange about Transcript
Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 21st July, 2026.
Central Bank of India has informed the Exchange about Copy of Newspaper Publication regarding Election of one Shareholder Director
Central Bank of India has informed the Exchange about Copy of Newspaper Publication of Financial Results of Bank for the Quarter ended 30th June 2026
Central Bank of India has informed the Exchange about Link of Recording
Central Bank of India has informed the Exchange about Election of One Shareholder Director- Fit and Proper status
Central Bank of India has informed the Exchange regarding a press release dated July 17, 2026, titled "Press Release on Performance of the Bank for the First quarter and Three months ended 30th June, ...
Central Bank of India has informed the Exchange about Investor Presentation
Central Bank of India has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.