NSE: CENTRALBK · BSE: 532885
CENTRAL BANK OF INDIA
A public sector commercial bank operating across retail, wholesale and treasury banking in India. The bank earns most of its revenue from Retail Banking Operations (45.0% of segment revenue in the period ending 31 December 2024), followed by Treasury Operations (32.0%) and Wholesale Banking Operations (22.2%). Retail banking covers housing, personal, education and other loans to individuals along with deposits; wholesale banking serves corporates, large enterprises and mid-market clients; treasury handles the bank's investment portfolio in government and other securities. As of Q1 FY27, total assets stood at Rs 5,51,079.15 crore, with deposits of Rs 4,78,972 crore (CASA share 46.61%) and gross advances of Rs 3,54,348 crore. The largest cost drivers are interest paid on deposits (cost of deposits 4.60% in Q1 FY27) and staff/operating expenses, with cost-to-income ratio at 55.40%. The bank distributes through 4,605 branches, with 65% in rural and semi-urban areas, and 22,346 touch points overall. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking Operations (45%), Treasury Operations (32%), Wholesale Banking Operations (22%), Other Banking Operations (0%). Cyclical, asset-heavy public sector commercial bank with a large retail deposit franchise
Exhibit 1: Financial summary, FY22–FY26 (all audited; no estimate years)
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 1,076 | 1,679 | 2,668 | 3,934 | 4,524 |
| EPS, as reported (₹) | 1.31 | 0.00 | 3.07 | 4.53 | 5.00 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 14,277 | (8,786) | (5,910) | (2,460) | 2,804 |
| Capex | — | — | — | — | — |
Exhibit 2: Quarterly performance, last 8 quarters
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 1,578 | 1,418 | 1,171 | 1,878 | 1,479 | 1,592 | 1,609 | 1,791 |
| Net profit | 921 | 968 | 1,042 | 1,260 | 1,220 | 1,265 | 739 | 1,329 |
| EPS (₹) | 1.06 | 1.11 | 1.27 | 1.42 | 1.36 | 1.40 | 0.82 | 1.46 |
Exhibit 3: Peers — basic industry group, by market cap
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| STATE BANK OF INDIA | 8,72,384 | 10.1 | — | — | — | — | — | — |
| UNION BANK OF INDIA | 1,40,916 | 6.8 | — | — | — | — | — | — |
| PUNJAB NATIONAL BANK | 1,39,375 | 6.3 | — | — | — | — | — | — |
| BANK OF BARODA | 1,21,121 | 6.7 | — | — | — | — | — | — |
| INDIAN BANK | 1,13,145 | 8.8 | — | — | — | — | — | — |
| CANARA BANK | 1,07,043 | 5.4 | — | — | — | — | — | — |
| BANK OF MAHARASHTRA | 61,532 | 8.2 | — | — | — | — | — | — |
| BANK OF INDIA | 60,114 | 5.1 | — | — | — | — | — | — |
Exhibit 4: Where the company sits in its group
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 5.8 | 7.5 | 3 of 12 | 82% |
| Profit growth | 5.4 | 28.3 | 11 of 12 | 9% |
| Market cap | 26231 | 84288 | 11 of 12 | 9% |
Exhibit 5: Filings of the last 90 days, with the measured price reaction
| Date · filing | Category | Importance | Next day % | 5-day % |
|---|---|---|---|---|
| 26 Oct 2026 · Central Bank restores RTGS outward system after technical issue | capex operations | high | — | — |
| 26 Oct 2026 · Central Bank of India holds one-on-one investor meeting | investor communications | low | — | — |
| 23 Oct 2026 · Q2 profit rises 21%; management sees higher rates lifting margins | investor communications | medium | — | — |
| 22 Oct 2026 · Analyst/Investor meet held on 22 October 2026 | investor communications | low | — | — |
| 21 Oct 2026 · Central Bank of India held analyst/investor meet with Arihant Capital on 21 Oct 2026 | investor communications | low | — | — |
| 19 Oct 2026 · Technical glitch in RTGS outward system, no customer loss reported | business updates | medium | — | — |
| 19 Oct 2026 · Q2 FY27 earnings call audio recording uploaded on bank website | investor communications | low | — | — |
| 19 Oct 2026 · Central Bank Q2 FY27 earnings call recording uploaded on website | investor communications | low | — | — |
| 18 Oct 2026 · Q2 FY27 results published in newspapers, clippings filed with exchanges | compliance | minimal | — | — |
| 17 Oct 2026 · Central Bank Q2 FY27 PAT rises 21% to ₹1,469 crore, NII up 26% | results | high | — | — |
How to read this document
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions | an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
Sources, method and disclosures
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.