CENTRAL BANK OF INDIA LIMITED: Comprehensive Stock Analysis Report | Scrolls
- Editor
- 2 hours ago
- 1 min read
by Karnivesh | 19 December, 2025
Central Bank of India (CBI) is a government owned public sector bank with a long operating history, currently undergoing a strong turnaround phase. After years of stress, the bank has delivered robust profit growth, supported by a sharp improvement in asset quality, high provision coverage, and disciplined balance sheet management. Capital adequacy remains comfortable, providing headroom for future growth without immediate dilution.
The bank’s business model is centered on traditional interest income, with increasing focus on granular retail, MSME, and agriculture lending to reduce risk concentration. While operational efficiency and digital capabilities still lag private sector peers, improving cost control and stable margins support earnings sustainability. Valuations remain inexpensive relative to peers, reflecting residual concerns around execution, efficiency, and competitive intensity.
Overall, Central Bank of India represents a recovery driven PSU banking story characterized by strengthened fundamentals, conservative risk management, and gradual business mix improvement while execution on efficiency and digital transformation remains the key monitorable going forward.
Comments