CentralBank of India
Public Sector · NSE CENTRALBK · Market cap ₹28,023
Latest FY FY2026
Loan growth
19.3%
Deposit growth
13.4%
NIM
3.1%
65th pctile
ROA
0.9%
ROE
12.4%
Gross NPA
2.6%
9th pctile
P/B
0.81x
30th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 19.3% | 17.7% | +1.6pp | — |
| Deposit growth | 13.4% | 13.4% | 0.0pp | — |
| CASA | 46.6% | 32.7% | +13.9pp | 58th |
| NIM | 3.1% | 3.6% | -0.5pp | 65th |
| ROA | 0.9% | 1.1% | -0.2pp | — |
| ROE | 12.4% | 12.4% | 0.0pp | — |
| Gross NPA | 2.6% | 1.9% | +0.7pp | 9th |
| Credit cost | 1.3% | 1.3% | +0.0pp | — |
| Cost/income | 55.4% | 55.1% | +0.3pp | — |
| CRAR | 18.3% | 18.9% | -0.6pp | — |
| P/B | 0.81x | 1.07x | -0.3pp | 30th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Capital to Risks Assets Ratio (CRAR) at 18.28 — 98th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Gross NPA at 2.60 — 9th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -16.9% YoY to 2.60 · abs(yoy)>=15%
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Advances growing +5.3pp vs listed-bank aggregate (share 1.57%, +0.07pp 1Y) · |bank growth - system proxy growth| >= 5pp