Central Bank Q1 FY27 Share Price & Earnings Call Analysis

Financials of Central Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Central Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +7,1717,2597,3777,8428,3718,3678,2358,5428,6538,6238,7779,0709,698
Interest3,6434,0624,3384,6724,8114,8014,8074,9845,2385,2225,4765,5525,677
Expenses +4,0433,1183,5343,3773,5613,9203,5003,3733,9683,3953,3283,8533,573
Financing Profit-51479-495-207-1-354-71185-5536-28-335448
Financing Margin %-7%1%-7%-3%-0%-4%-1%2%-6%0%-0%-4%5%
Other Income +1,4249591,0621,3291,3631,1661,6491,2321,7231,8721,5071,9271,161
Depreciation0000000000000
Profit before tax9101,0385671,1221,3638121,5781,4181,1711,8781,4791,5921,609
Tax %37%59%-7%35%40%-9%42%32%11%33%18%21%54%
Net Profit +5924986237388179459269661,1061,2841,2341,265748
EPS in Rs0.680.570.720.850.941.091.061.111.221.421.361.400.82
Gross NPA %8.41%4.95%4.61%4.50%4.50%4.54%4.59%3.87%3.18%3.14%3.02%2.71%2.67%
Net NPA %1.77%1.75%1.64%1.28%1.24%0.75%0.70%0.61%0.56%0.50%0.49%0.46%0.50%

Financials of Central Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +26,47625,98824,77524,16322,74923,67622,83022,90325,65730,84933,79736,168
Interest19,20018,88918,16617,60315,93516,00514,54313,36113,90517,88219,83021,926
Expenses +8,62011,52912,74414,01514,58012,13512,41910,47712,77813,09914,31414,098
Financing Profit-1,344-4,430-6,136-7,455-7,766-4,464-4,133-934-1,026-133-346143
Financing Margin %-5%-17%-25%-31%-34%-19%-18%-4%-4%-0%-1%0%
Other Income +1,9002,0192,8712,6202,4163,6222,9942,9864,1644,8145,9966,415
Depreciation2302402582602782852932973865005580
Profit before tax327-2,651-3,523-5,096-5,628-1,127-1,4311,7552,7524,1815,0926,559
Tax %-89%-47%-31%0%0%0%-30%38%39%36%23%32%
Net Profit +670-1,392-2,457-5,134-5,611-1,252-9951,0831,6882,6773,9434,531
EPS in Rs4.02-8.26-12.93-19.63-13.88-2.20-1.701.241.933.074.355.00
Dividend Payout %12%0%0%0%0%0%0%0%0%0%4%36%

Financials of Central Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,6581,6901,9022,6184,0475,7105,8768,6818,6818,6819,0519,051
Reserves16,07716,81816,30915,59215,34915,82720,62118,86820,53623,69327,83029,950
Deposits262,263266,686297,309295,354300,311314,201330,328343,165359,775385,541413,271468,444
Borrowing19,7779,5039,6236,0265,6406,0765,7607,6638,33420,01321,82031,854
Other Liabilities +12,99111,9249,5517,7596,53815,3377,3908,9159,7549,8448,48511,780
Total Liabilities312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457551,079
Fixed Assets +2,8434,3694,3004,3534,3204,3465,1424,9644,7865,3455,2145,126
CWIP000000000000
Investments89,92189,08792,277102,769125,453142,526148,518140,775136,569144,010141,652157,607
Other Assets +220,001213,165238,118220,227202,112210,279216,315241,553265,725298,416333,591388,346
Total Assets312,766306,621334,695327,349331,885357,151369,974387,292407,080447,772480,457551,079

Financials of Central Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +2,27428161,871-44,376-14,5101,726-2,00314,277-8,786-5,910-2,4602,804
Cash from Investing Activity +-332-149-189-310-251-315-202-133-209-584-451-454
Cash from Financing Activity +5105991,5435,1546,7963,3965,0550001,500-713
Net Cash Flow2,45273263,225-39,533-7,9654,8072,84914,143-8,995-6,494-1,4101,637
Free Cash Flow1,98913261,682-44,687-14,7611,411-2,20614,143-8,995-6,494-2,9102,350
CFO/OP18%9%514%-434%-180%16%-19%115%-68%-32%-17%13%

Financials of Central Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4%-8%-13%-28%-30%-6%-4%4%6%9%11%12%

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What Central Bank's management said in earlier quarters

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