ScoreWhy is Central Bank of India ?
1
Strong lending practices with low Gross NPA ratio of 2.67%
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
With ROA of 0.8, it has a Very Attractive valuation with a 0.9 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 6.88%, its profits have risen by 15.4% ; the PEG ratio of the company is 0.7
6
Majority shareholders : Promoters
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, High Return
Absolute
Risk Adjusted
Volatility
Central Bank
6.88%
0.25
27.20%
Sensex
-3.59%
-0.27
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.71%
Net Profit Growth (5y)
47.25%
Advance to Deposit
61.85%
Capital Adequacy Ratio (Tier 1)
13.28%
Gross NPA (latest)
2.67%
Gross NPA (avg)
6.73%
Coverage Ratio (avg)
79.08%
Cost to Income (avg)
57.16%
Net Interest Margin (avg)
3.12%
Operating Profit to Assets (avg)
4.06%
ROA (avg)
0.84%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
0.88
PEG Ratio
0.72
Dividend Yield
1.88%
ROE (Latest)
11.36%
ROA (Latest)
0.80%
Net NPA to Book Value
4.33
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 2.67%
CREDIT DEPOSIT RATIO(HY)
Highest at 72.02%
NII(Q)
Highest at Rs 4,001.84 cr
INTEREST EARNED(Q)
Highest at Rs 9,660.67 cr
PBDIT(Q)
Highest at Rs 946.30 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 9.80%
PBT LESS OI(Q)
Highest at Rs 441.96 cr.
-6What is not working for the Company
PAT(Q)
At Rs 724.43 cr has Fallen at -38.1% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 72.23 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 0.80
Loading Valuation Snapshot...
Here's what is working for Central Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 441.96 cr has Grown at 289.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -232.79 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.67% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 4,001.84 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 72.02% 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 (%)
Interest Earned - Quarterly
Highest at Rs 9,660.67 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 946.30 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 9.80%
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 441.96 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
CAR - Quarterly
Highest at 17.91%
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
Profit After Tax (PAT) - Quarterly
At Rs 724.43 cr has Fallen at -38.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 1,169.43 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 72.23 % 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
Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.80
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
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