A cold-rolled steel sheet with excellent bending workability has a component composition of 0.025% or less C, 0.1% or less Si, 0.05% to 0.5% Mn, 0.03% or less P, 0.02% or less S, and 0.01% to 0.1% sol. Al on a mass basis, the remainder being Fe and unavoidable impurities; a microstructure that is a ferrite rolling texture; a tensile strength TS of 390 MPa or more; a thickness of 0.4 mm or more; and a sheet thickness direction ultimate ductility of 1.3 or more, wherein the sheet thickness direction ultimate ductility is the natural logarithm Ln(t0/t1) of the ratio of the thickness t0 of an untested steel sheet to the thickness t1 of the fracture surface of the tested steel sheet as determined by a tensile test.