Central Bank of India
Central Bank of India operates as a commercial bank in India. The company offers deposit products, which include savings and current accounts, time deposits, fixed deposits, and recurring deposit schemes, as well as small saving scheme; and loans, including housing, vehicle, property, personal, senior citizens, education, and agricultural, as well as micro small and medium enterprises loans. It p… Read more
Central Bank of India (CENTRALBK) - Net Assets
Latest net assets as of December 2025: ₹395.93 Billion INR
Based on the latest financial reports, Central Bank of India (CENTRALBK) has net assets worth ₹395.93 Billion INR as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹5.34 Trillion) and total liabilities (₹4.94 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹395.93 Billion |
| % of Total Assets | 7.42% |
| Annual Growth Rate | 14.53% |
| 5-Year Change | 39.25% |
| 10-Year Change | 99.36% |
| Growth Volatility | 17.25 |
Central Bank of India - Net Assets Trend (2003–2025)
This chart illustrates how Central Bank of India's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Central Bank of India (2003–2025)
The table below shows the annual net assets of Central Bank of India from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹369.67 Billion | +13.92% |
| 2024-03-31 | ₹324.51 Billion | +10.81% |
| 2023-03-31 | ₹292.84 Billion | +6.07% |
| 2022-03-31 | ₹276.07 Billion | +3.99% |
| 2021-03-31 | ₹265.47 Billion | +23.01% |
| 2020-03-31 | ₹215.82 Billion | +11.02% |
| 2019-03-31 | ₹194.39 Billion | +6.52% |
| 2018-03-31 | ₹182.50 Billion | +0.02% |
| 2017-03-31 | ₹182.46 Billion | -1.60% |
| 2016-03-31 | ₹185.43 Billion | +4.36% |
| 2015-03-31 | ₹177.68 Billion | +10.76% |
| 2014-03-31 | ₹160.41 Billion | +3.05% |
| 2013-03-31 | ₹155.66 Billion | +22.69% |
| 2012-03-31 | ₹126.87 Billion | +15.04% |
| 2011-03-31 | ₹110.28 Billion | +39.02% |
| 2010-03-31 | ₹79.33 Billion | +21.20% |
| 2009-03-31 | ₹65.45 Billion | +9.08% |
| 2008-03-31 | ₹60.00 Billion | +80.94% |
| 2007-03-31 | ₹33.16 Billion | +12.63% |
| 2006-03-31 | ₹29.44 Billion | +6.77% |
| 2005-03-31 | ₹27.58 Billion | +12.34% |
| 2004-03-31 | ₹24.55 Billion | +31.41% |
| 2003-03-31 | ₹18.68 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Central Bank of India's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 46616.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹55.50 Billion | 15.05% |
| Common Stock | ₹90.51 Billion | 24.54% |
| Other Comprehensive Income | ₹136.84 Billion | 37.10% |
| Other Components | ₹85.96 Billion | 23.31% |
| Total Equity | ₹368.81 Billion | 100.00% |
Central Bank of India Competitors by Market Cap
The table below lists competitors of Central Bank of India ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
BEH Property Co Ltd
SHG:600791
|
$275.84 Million |
|
Greentown Management Holdings Company Limited
PINK:GRMHF
|
$276.06 Million |
|
Kempower Oyj
HE:KEMPOWR
|
$276.12 Million |
|
Guangdong Shunkong Development Co Ltd
SHE:003039
|
$276.18 Million |
|
Vetropack Holding SA
SW:VETN
|
$275.76 Million |
|
Waterstone Financial Inc
NASDAQ:WSBF
|
$275.73 Million |
|
Xinjiang Zhundong Petroleum
SHE:002207
|
$275.58 Million |
|
Meeka Metals Ltd
AU:MEK
|
$275.54 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Central Bank of India's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 323,744,116,000 to 368,814,800,000, a change of 45,070,684,000 (13.9%).
- Net income of 39,342,054,000 contributed positively to equity growth.
- Share repurchases of 15,000,000,000 reduced equity.
- New share issuances of 15,000,000,000 increased equity.
- Other comprehensive income increased equity by 2,867,733,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹39.34 Billion | +10.67% |
| Share Repurchases | ₹15.00 Billion | -4.07% |
| Share Issuances | ₹15.00 Billion | +4.07% |
| Other Comprehensive Income | ₹2.87 Billion | +0.78% |
| Other Changes | ₹2.86 Billion | +0.78% |
| Total Change | ₹- | 13.92% |
Book Value vs Market Value Analysis
This analysis compares Central Bank of India's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.82x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 16.37x to 0.82x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-03-31 | ₹2.13 | ₹34.94 | x |
| 2004-03-31 | ₹2.81 | ₹34.94 | x |
| 2005-03-31 | ₹20.78 | ₹34.94 | x |
| 2006-03-31 | ₹22.18 | ₹34.94 | x |
| 2007-03-31 | ₹86.61 | ₹34.94 | x |
| 2008-03-31 | ₹135.74 | ₹34.94 | x |
| 2009-03-31 | ₹137.40 | ₹34.94 | x |
| 2010-03-31 | ₹166.56 | ₹34.94 | x |
| 2011-03-31 | ₹272.30 | ₹34.94 | x |
| 2012-03-31 | ₹196.56 | ₹34.94 | x |
| 2013-03-31 | ₹17.90 | ₹34.94 | x |
| 2014-03-31 | ₹140.74 | ₹34.94 | x |
| 2015-03-31 | ₹124.76 | ₹34.94 | x |
| 2016-03-31 | ₹111.60 | ₹34.94 | x |
| 2017-03-31 | ₹99.65 | ₹34.94 | x |
| 2018-03-31 | ₹93.97 | ₹34.94 | x |
| 2019-03-31 | ₹22.34 | ₹34.94 | x |
| 2020-03-31 | ₹24.81 | ₹34.94 | x |
| 2021-03-31 | ₹30.52 | ₹34.94 | x |
| 2022-03-31 | ₹31.74 | ₹34.94 | x |
| 2023-03-31 | ₹33.66 | ₹34.94 | x |
| 2024-03-31 | ₹37.29 | ₹34.94 | x |
| 2025-03-31 | ₹42.49 | ₹34.94 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Central Bank of India utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.67%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.91%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 13.03x
- Recent ROE (10.67%) is above the historical average (3.34%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 17.28% | 14.41% | 0.04x | 30.64x | ₹1.35 Billion |
| 2004 | 26.14% | 20.57% | 0.05x | 25.88x | ₹3.93 Billion |
| 2005 | 13.09% | 5.82% | 0.09x | 24.87x | ₹848.95 Million |
| 2006 | 8.52% | 4.19% | 0.08x | 25.37x | ₹-433.15 Million |
| 2007 | 15.44% | 7.48% | 0.07x | 28.08x | ₹1.80 Billion |
| 2008 | 9.93% | 6.67% | 0.07x | 20.73x | ₹-40.88 Million |
| 2009 | 9.74% | 5.51% | 0.08x | 22.65x | ₹-169.29 Million |
| 2010 | 14.69% | 8.41% | 0.08x | 23.12x | ₹3.71 Billion |
| 2011 | 11.94% | 7.96% | 0.08x | 19.08x | ₹2.14 Billion |
| 2012 | 4.84% | 2.98% | 0.09x | 18.18x | ₹-6.53 Billion |
| 2013 | 5.74% | 16.91% | 0.02x | 17.29x | ₹-6.63 Billion |
| 2014 | -7.58% | -4.59% | 0.09x | 18.12x | ₹-28.14 Billion |
| 2015 | 3.76% | 2.35% | 0.09x | 17.64x | ₹-11.07 Billion |
| 2016 | -5.92% | -3.93% | 0.09x | 16.57x | ₹-29.47 Billion |
| 2017 | -13.50% | -8.89% | 0.08x | 18.38x | ₹-42.80 Billion |
| 2018 | -28.22% | -19.19% | 0.08x | 17.98x | ₹-69.60 Billion |
| 2019 | -29.04% | -61.00% | 0.03x | 17.11x | ₹-75.73 Billion |
| 2020 | -5.25% | -9.99% | 0.03x | 16.59x | ₹-32.85 Billion |
| 2021 | -3.34% | -3.40% | 0.07x | 13.96x | ₹-35.33 Billion |
| 2022 | 3.84% | 4.09% | 0.07x | 14.06x | ₹-16.98 Billion |
| 2023 | 5.75% | 5.64% | 0.07x | 13.93x | ₹-12.43 Billion |
| 2024 | 8.24% | 7.50% | 0.08x | 13.83x | ₹-5.70 Billion |
| 2025 | 10.67% | 9.91% | 0.08x | 13.03x | ₹2.46 Billion |
Industry Comparison
This section compares Central Bank of India's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $158,762,498,205
- Average return on equity (ROE) among peers: 0.59%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Central Bank of India (CENTRALBK) | ₹395.93 Billion | 17.28% | 12.47x | $275.77 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |