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
| ₹ 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 | — | — | — | — | — |
| ₹ 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 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| STATE BANK OF INDIA | 9,19,091 | 10.7 | — | — | — | — | — | — |
| UNION BANK OF INDIA | 1,35,955 | 6.6 | — | — | — | — | — | — |
| PUNJAB NATIONAL BANK | 1,34,180 | 6.1 | — | — | — | — | — | — |
| BANK OF BARODA | 1,23,295 | 6.8 | — | — | — | — | — | — |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 10 Sept 2026 · Central Bank launches Bharat Connect for Business with NBBL | business updates | medium | — | — |
| 9 Sept 2026 · Notice of proposed Bank Strike by UFBU unions | capex operations | high | — | — |
| 4 Sept 2026 · Jai Shankar Prasad promoted as General Manager, Customer Care | management changes | high | — | — |
| 31 Aug 2026 · Central Bank pays annual interest on Basel III Tier II Bonds Series VI | compliance | minimal | — | — |
| 29 Aug 2026 · General Manager Umesh Kumar Singh takes voluntary retirement | management changes | medium | — | — |
| 27 Aug 2026 · Central Bank holds analyst/investor meet on 27 Aug 2026 | investor communications | low | — | — |
| 20 Aug 2026 · Analyst/Investor Meet held on 20th August 2026 | investor communications | low | — | — |
| 4 Aug 2026 · CRISIL upgrades Central Bank credit ratings to AA+ | credit debt | high | — | — |
| 1 Aug 2026 · Partha Sarathi K Naidu promoted to GM Strategy at Central Bank | management changes | high | — | — |
| 1 Aug 2026 · Central Bank 19th AGM: All 8 resolutions passed, Rs 7000 cr equity raise approved | board shareholder meetings | low | — | — |
| 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 |
| INDIAN BANK |
| 1,14,963 |
| 9.0 |
| — |
| — |
| — |
| — |
| — |
| — |
| CANARA BANK | 1,12,476 | 5.7 | — | — | — | — | — | — |
| BANK OF MAHARASHTRA | 64,763 | 8.6 | — | — | — | — | — | — |
| INDIAN OVERSEAS BANK | 63,759 | 10.8 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 6.1 | 7.7 | 4 of 12 | 73% |
| Profit growth | 5.4 | 28.3 | 11 of 12 | 9% |
| Market cap | 27896 | 88620 | 11 of 12 | 9% |
| 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 |
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.
