Central Bank of India

₹40.07-0.91%Feb 27, 3:45 PM IST

CENTRALBK•Finance•Major Banks

Current Price

₹40.07-0.91%

Feb 27, 3:45 PM IST

Market Cap₹36,594.82 Cr

Business Overview

Central Bank of India operates through 6 main business divisions including Financial Capital, Manufactured Capital, Intellectual Capital, Natural Capital, Relationship & Social Capital, Human Capital.

Business Hierarchy Structure for Central Bank of India

Central Bank of India
- Financial Capital
  - Retail Banking
    - Personal Loans
    - Housing Loans
    - Auto Loans
    - Education Loans
    - Other Retail Loans
  - Corporate / Wholesale Banking
    - Corporate Loans
    - Trust / Partnership Firms Companies
    - Statutory bodies
    - Transaction services
    - MSME Department
      - Active MSME Products
        Cent Business
        Cent Mortgage Business
        Cent Contractor
        Cent MUDRA
        General MSME (IBA format)
        Stand Up India
        Cent WHR
        NULM
        Cent Weaver Mudra
        PM Svanidhi
        Cent Equipment Financing Scheme
        Cent Arthias
        Cent Business Gold Loan Scheme
        Cent Shop
        SRTO (Transport Operator)
        Cent Kalyani
        Cent Rental
        Cent Ceramic
        Cent Textiles Scheme
        PMEGP
        Mukhyamantri Udyam Kranti Yojana - M.P.
        Cent Vehicle Business
        Cent Pragati
        Credit Enhancement Guarantee Scheme for Scheduled Castes
        Cent Sanjeevani
        Cent Shop Kota
        Indira Gandhi Shahari Credit Card Yojana – Rajasthan
        Cent Open Term Loan
        Cent GST
        Jagananna Thodu
        Cent Gold Jewellery Manufacturing Scheme
        Commercial Vehicle DDR MP
        Mukhya Mantri Gramin Path Vihreta Rin Yojana
        Loan to Micro Finance Borrowers
        Textile Cluster Scheme for Hyderabad & Warangal
        Cent CA/CS/CMA
        Cent Hotel
        Cent Energy Efficiency Scheme
        Cent Export
      - Discontinued Products
        Cent CGECL
        Cent Custom Hiring Centre (M.P)
        Loan Guarantee Scheme for Covid Affected Sector
        Central Laghu Udhyami Credit Card
        Loan Guarantee Scheme for Covid Affected Tourism Service Sector
    - Project Finance
    - Infrastructure Funding
    - Green Finance Initiatives
    - Climate Risk Management
  - Treasury Operations
    - Investment Portfolio
      - Investments in India
        Government Securities
        Other Approved Securities
        Shares
        Debentures and Bonds
        Subsidiaries, joint ventures/associates and sponsored institutions
        Others (Commercial Papers and units of Mutual Funds etc.)
      - Investments outside India
        Government Securities
        Subsidiaries and Joint Ventures/Associates
        Other Investments
    - Foreign Exchange Business
    - NRE and FCNR Deposits
    - Derivatives
      - Derivatives used for hedging
        Interest Rate Swaps
        Currency Swaps
        Cross Currency Swaps
      - Derivatives used for trading
        Currency futures
        Interest rate futures
    - Repo/Reverse Repo transactions
  - Other Banking Business
    - Depository Services
    - Bancassurance Business
      - Life Insurance
      - Non-Life Insurance
    - Financial Inclusion Programs
    - Social Banking
    - Rural Self Employment Training Institutes (RSETIs)
    - Financial Literacy and Credit Counseling Centers (FLCCs)
    - Cent Bank Home Finance Limited (Subsidiary)
    - Centbank Financial Services Limited (Subsidiary)
    - Regional Rural Banks
      - Uttar Bihar Gramin Bank
      - Uttarbanga Kshetriya Gramin Bank
    - Indo-Zambia Bank Ltd. (Associate)
  - Digital Payments & Transaction Banking
    - UPI Lite Functionality
    - Digital Loan Facilities Against PPF
    - Internet Banking
    - Mobile Banking Apps
    - BHIM Cent UPI
    - Interoperable Cardless Cash Withdrawal (ICCW)
    - Green Channel Cash Deposits
    - Jan Suraksha Schemes (PMSBY & PMJJBY)
- Manufactured Capital
  - Branch Network
    - Rural Branches
    - Semi-Urban Branches
    - Urban Branches
    - Metro Branches
  - ATMs
  - Self-Service Passbook Printing Kiosks
  - ISO-Certified Data Centres
  - Core Banking Solution (CBS)
  - Digital Lending Platform (DLP)
  - Omni-Channel Platform
- Intellectual Capital
  - Human Capital
    - Leadership Development Programs
    - Digital Empowerment Initiatives
    - Employee Well-being Programs
    - Training Programs
    - Performance Management System
    - Talent Acquisition and Retention
    - Employee Benefits
  - Structural Capital
    - Digital Transformation Initiatives
    - Knowledge Management Systems
  - Relational Capital
    - Customer Relationships
    - Stakeholder Engagement
      - Employees
      - Customers
      - Regulators
      - Shareholders
      - Society
    - Partnerships
      - Fintech companies
      - NBFCs
      - Business Correspondents
      - Reputed Builders
      - OEM vehicle manufacturers
- Natural Capital
  - Environmental Sustainability Initiatives
    - Renewable Energy Integration
    - Energy Efficiency Measures
    - Water Conservation Efforts
    - Waste Reduction Initiatives
  - Green Finance Initiatives
  - Climate Risk Management
- Relationship & Social Capital
  - Corporate Social Responsibility (CSR) Initiatives
    - Financial Literacy and Education
    - Environmental Sustainability Projects
    - Community Development Projects
    - Healthcare Initiatives
  - Employee Engagement and Volunteerism
  - Stakeholder Engagement Strategies
- Human Capital
  - Strategic Priorities for Human Capital Development
    - Leadership Development
    - Digital Empowerment
    - Employee Well-being
  - Talent Acquisition and Retention
  - Employee Benefits
    - Health and Well-being
    - Medical Facilities and Insurance
    - Financial Assistance and Incentives
    - Recreational and Miscellaneous Benefits
    - Insurance and Emergency Assistance
  - Industrial Relations
  - Crisis Management and Strike Preparedness
  - Grievance Redressal Mechanism
  - Promotion of Ethical Work Environment
  - Employee Representation and Union Relations
  - Workforce Demographics and Inclusion Initiatives