Central Bank of India Balance Sheet Health
Financial Health criteria checks 4/6
Central Bank of India has total assets of ₹4,478.1B and total equity of ₹335.8B. Total deposits are ₹3,924.8B, and total loans are ₹2,440.4B earning a Net Interest Margin of 3.4%. It has insufficient allowance for bad loans, which are currently at 4.8% of total loans. Cash and short-term investments are ₹324.3B.
Key information
13.3x
Asset to equity ratio
3.4%
Net interest margin
| Total deposits | ₹3.92t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.8% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹324.25b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CENTRALBK's Assets to Equity ratio (13.3x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if CENTRALBK has a sufficient allowance for bad loans.
Low Risk Liabilities: 95% of CENTRALBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: CENTRALBK has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: CENTRALBK's Loans to Deposits ratio (62%) is appropriate.
Level of Bad Loans: CENTRALBK has a high level of bad loans (4.8%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/21 23:21 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
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Analyst Sources
Central Bank of India is covered by 9 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Clyton Fernandes | Anand Rathi Shares and Stock Brokers Limited |
| Vaibhav Agrawal | Angel Broking Private Limited |
| Manish Chowdhary | Citigroup Inc |