Central Bank of India
NSE: CENTRALBK · Public Sector Bank
Snapshot
Unlock Central Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Central Bank of India is a public sector commercial bank providing a comprehensive range of retail, corporate, and agricultural banking services. The bank operates an extensive network of branches and ATMs across India, offering deposit products, credit facilities, and insurance distribution.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services and insurance distribution. It leverages a vast branch network to mobilise low-cost deposits and provide credit to retail, MSME, and corporate segments.
- Branches:4,528
- ATMs:2,976
Growth Outlook
Growth is supported by strategic co-lending partnerships, such as the collaboration with IIFL Home Finance to expand MSME loan penetration. The bank continues to focus on digital transformation and infrastructure financing to drive credit growth.
Key Risks
- Asset Quality Risk. As a public sector bank, it faces significant exposure to non-performing assets within the corporate and MSME loan portfolios.
- Regulatory and Compliance Risk. The bank is subject to stringent oversight by the Reserve Bank of India, which may impact operational flexibility and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and impact the valuation of the bank's investment portfolio.
- Competition Risk. Intense competition from private sector banks and fintech players may pressure market share and customer acquisition costs.
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Key Metrics
NET PROFIT
₹4,552 Cr
TTM · consolidated
EPS
₹5.04
TTM · consolidated
P/E
6.2x
Q1 FY27 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Central Bank of IndiaCENTRALBK | ₹28,132 Cr | 6.17 | — | — | — | 11.5% | — | -12.0% |
Bank of MaharashtraMAHABANK | ₹66,109 Cr | 8.77 | — | 17.4% | — | 22.4% | — | +65.2% |
Bank of IndiaBANKINDIA | ₹66,014 Cr | 5.60 | — | 7.9% | — | 12.7% | — | +29.3% |
Indian Overseas BankIOB | ₹64,606 Cr | 10.96 | — | — | — | 15.2% | — | -11.6% |
UCO BankUCOBANK | ₹31,073 Cr | 11.06 | — | 9.0% | — | 8.7% | — | -12.7% |
Punjab & Sind BankPSB | ₹16,483 Cr | 11.91 | — | 8.1% | — | 8.1% | — | -18.1% |
Financials
Central Bank of India
NSE: CENTRALBK · Public Sector Bank
Snapshot
Unlock Central Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Central Bank of India is a public sector commercial bank providing a comprehensive range of retail, corporate, and agricultural banking services. The bank operates an extensive network of branches and ATMs across India, offering deposit products, credit facilities, and insurance distribution.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services and insurance distribution. It leverages a vast branch network to mobilise low-cost deposits and provide credit to retail, MSME, and corporate segments.
- Branches:4,528
- ATMs:2,976
Growth Outlook
Growth is supported by strategic co-lending partnerships, such as the collaboration with IIFL Home Finance to expand MSME loan penetration. The bank continues to focus on digital transformation and infrastructure financing to drive credit growth.
Key Risks
- Asset Quality Risk. As a public sector bank, it faces significant exposure to non-performing assets within the corporate and MSME loan portfolios.
- Regulatory and Compliance Risk. The bank is subject to stringent oversight by the Reserve Bank of India, which may impact operational flexibility and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and impact the valuation of the bank's investment portfolio.
- Competition Risk. Intense competition from private sector banks and fintech players may pressure market share and customer acquisition costs.
Start your research today
Unlock AI insights, financials, peers and live data on Central Bank of India and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹4,552 Cr
TTM · consolidated
EPS
₹5.04
TTM · consolidated
P/E
6.2x
Q1 FY27 · consolidated
Peers · Public Sector Bank
As of