Central Bank of India (CENTRALBK) - Net Assets

Latest as of December 2025: Rs395.93 Billion INR ≈ $4.28 Billion USD

Based on the latest financial reports, Central Bank of India (CENTRALBK) has net assets worth Rs395.93 Billion INR (≈ $4.28 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs5.34 Trillion ≈ $57.70 Billion USD) and total liabilities (Rs4.94 Trillion ≈ $53.41 Billion USD). 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. Check financial resilience of Central Bank of India to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs395.93 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. Also explore CENTRALBK asset base for the complete picture of this company's asset base.

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. For live valuation and market cap data, see CENTRALBK market cap overview.

Year	Net Assets	Change
2025-03-31	Rs369.67 Billion ≈ $4.00 Billion	+13.92%
2024-03-31	Rs324.51 Billion ≈ $3.51 Billion	+10.81%
2023-03-31	Rs292.84 Billion ≈ $3.17 Billion	+6.07%
2022-03-31	Rs276.07 Billion ≈ $2.99 Billion	+3.99%
2021-03-31	Rs265.47 Billion ≈ $2.87 Billion	+23.01%
2020-03-31	Rs215.82 Billion ≈ $2.33 Billion	+11.02%
2019-03-31	Rs194.39 Billion ≈ $2.10 Billion	+6.52%
2018-03-31	Rs182.50 Billion ≈ $1.97 Billion	+0.02%
2017-03-31	Rs182.46 Billion ≈ $1.97 Billion	-1.60%
2016-03-31	Rs185.43 Billion ≈ $2.01 Billion	+4.36%
2015-03-31	Rs177.68 Billion ≈ $1.92 Billion	+10.76%
2014-03-31	Rs160.41 Billion ≈ $1.73 Billion	+3.05%
2013-03-31	Rs155.66 Billion ≈ $1.68 Billion	+22.69%
2012-03-31	Rs126.87 Billion ≈ $1.37 Billion	+15.04%
2011-03-31	Rs110.28 Billion ≈ $1.19 Billion	+39.02%
2010-03-31	Rs79.33 Billion ≈ $857.90 Million	+21.20%
2009-03-31	Rs65.45 Billion ≈ $707.86 Million	+9.08%
2008-03-31	Rs60.00 Billion ≈ $648.91 Million	+80.94%
2007-03-31	Rs33.16 Billion ≈ $358.62 Million	+12.63%
2006-03-31	Rs29.44 Billion ≈ $318.40 Million	+6.77%
2005-03-31	Rs27.58 Billion ≈ $298.21 Million	+12.34%
2004-03-31	Rs24.55 Billion ≈ $265.46 Million	+31.41%
2003-03-31	Rs18.68 Billion ≈ $202.01 Million	--

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	Rs55.50 Billion	15.05%
Common Stock	Rs90.51 Billion	24.54%
Other Comprehensive Income	Rs136.84 Billion	37.10%
Other Components	Rs85.96 Billion	23.31%
Total Equity	Rs368.81 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
St Joe Company NYSE:JOE	$3.57 Billion
Cactus Inc NYSE:WHD	$3.57 Billion
Zhejiang Huahai Pharmaceutical Co Ltd SHG:600521	$3.57 Billion
ELF Beauty Inc NYSE:ELF	$3.57 Billion
KINGSOFT C.H.LTD. DL-001 F:KS70	$3.56 Billion
Procter & Gamble Hygiene and Health Care Limited NSE:PGHH	$3.56 Billion
DOF Group ASA OL:DOFG	$3.56 Billion
Badger Meter Inc NYSE:BMI	$3.56 Billion

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	Rs39.34 Billion	+10.67%
Share Repurchases	Rs15.00 Billion	-4.07%
Share Issuances	Rs15.00 Billion	+4.07%
Other Comprehensive Income	Rs2.87 Billion	+0.78%
Other Changes	Rs2.86 Billion	+0.78%
Total Change	Rs-	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: 0.86x
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 17.06x to 0.86x 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	Rs2.13	Rs36.42	x
2004-03-31	Rs2.81	Rs36.42	x
2005-03-31	Rs20.78	Rs36.42	x
2006-03-31	Rs22.18	Rs36.42	x
2007-03-31	Rs86.61	Rs36.42	x
2008-03-31	Rs135.74	Rs36.42	x
2009-03-31	Rs137.40	Rs36.42	x
2010-03-31	Rs166.56	Rs36.42	x
2011-03-31	Rs272.30	Rs36.42	x
2012-03-31	Rs196.56	Rs36.42	x
2013-03-31	Rs17.90	Rs36.42	x
2014-03-31	Rs140.74	Rs36.42	x
2015-03-31	Rs124.76	Rs36.42	x
2016-03-31	Rs111.60	Rs36.42	x
2017-03-31	Rs99.65	Rs36.42	x
2018-03-31	Rs93.97	Rs36.42	x
2019-03-31	Rs22.34	Rs36.42	x
2020-03-31	Rs24.81	Rs36.42	x
2021-03-31	Rs30.52	Rs36.42	x
2022-03-31	Rs31.74	Rs36.42	x
2023-03-31	Rs33.66	Rs36.42	x
2024-03-31	Rs37.29	Rs36.42	x
2025-03-31	Rs42.49	Rs36.42	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	Rs1.35 Billion
2004	26.14%	20.57%	0.05x	25.88x	Rs3.93 Billion
2005	13.09%	5.82%	0.09x	24.87x	Rs848.95 Million
2006	8.52%	4.19%	0.08x	25.37x	Rs-433.15 Million
2007	15.44%	7.48%	0.07x	28.08x	Rs1.80 Billion
2008	9.93%	6.67%	0.07x	20.73x	Rs-40.88 Million
2009	9.74%	5.51%	0.08x	22.65x	Rs-169.29 Million
2010	14.69%	8.41%	0.08x	23.12x	Rs3.71 Billion
2011	11.94%	7.96%	0.08x	19.08x	Rs2.14 Billion
2012	4.84%	2.98%	0.09x	18.18x	Rs-6.53 Billion
2013	5.74%	16.91%	0.02x	17.29x	Rs-6.63 Billion
2014	-7.58%	-4.59%	0.09x	18.12x	Rs-28.14 Billion
2015	3.76%	2.35%	0.09x	17.64x	Rs-11.07 Billion
2016	-5.92%	-3.93%	0.09x	16.57x	Rs-29.47 Billion
2017	-13.50%	-8.89%	0.08x	18.38x	Rs-42.80 Billion
2018	-28.22%	-19.19%	0.08x	17.98x	Rs-69.60 Billion
2019	-29.04%	-61.00%	0.03x	17.11x	Rs-75.73 Billion
2020	-5.25%	-9.99%	0.03x	16.59x	Rs-32.85 Billion
2021	-3.34%	-3.40%	0.07x	13.96x	Rs-35.33 Billion
2022	3.84%	4.09%	0.07x	14.06x	Rs-16.98 Billion
2023	5.75%	5.64%	0.07x	13.93x	Rs-12.43 Billion
2024	8.24%	7.50%	0.08x	13.83x	Rs-5.70 Billion
2025	10.67%	9.91%	0.08x	13.03x	Rs2.46 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: $108,019,199,556
Average return on equity (ROE) among peers: 6.16%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Central Bank of India (CENTRALBK)	Rs395.93 Billion	17.28%	12.47x	$3.57 Billion
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bandhan Bank Limited (BANDHANBNK)	$216.10 Billion	10.32%	7.23x	$3.48 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
City Union Bank Limited (CUB)	$48.41 Billion	14.11%	8.35x	$2.17 Billion
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About Central Bank of India

NSE:CENTRALBK India Banks - Regional

Market Cap

$3.57 Billion

Rs329.65 Billion INR

Market Cap Rank

#4447 Global

#187 in India

Share Price

Rs36.42

Change (1 day)

+0.50%

52-Week Range

Rs31.43 - Rs40.48

All Time High

Rs120.90