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Compare Development Credit Bank with Andhra Bank - Equitymaster
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DCB BANK vs ANDHRA BANK - Comparison Results

DCB BANK    Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

ANDHRA BANK 
   Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

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Current Valuations

    DCB BANK ANDHRA BANK DCB BANK/
ANDHRA BANK
 
P/E (TTM) x 23.7 16.2 145.7% View Chart
P/BV x 2.3 0.3 829.4% View Chart
Dividend Yield % 0.3 1.0 28.1%  

Financials

 DCB BANK   ANDHRA BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
ANDHRA BANK
Mar-16
DCB BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs17288 196.8%   
Low Rs7842 186.8%   
Income per share (Unadj.) Rs72.8258.9 28.1%  
Earnings per share (Unadj.) Rs7.07.9 88.3%  
Cash flow per share (Unadj.) Rs28.914.3 201.9%  
Dividends per share (Unadj.) Rs0.500.50 100.0%  
Avg Dividend yield %0.40.8 51.7%  
Book value per share (Unadj.) Rs77.3161.4 47.9%  
Shares outstanding (eoy) m285.36681.16 41.9%   
Bonus/Rights/Conversions OIOI-  
Avg Price / Income ratio x1.70.2 688.8%   
Avg P/E ratio x17.98.2 219.2%  
Avg P/CF ratio x11.51.3 911.1%  
Avg Price/Bookvalue ratio x1.60.4 404.4%  
Dividend payout %7.16.3 113.3%   
Avg Mkt Cap Rs m35,71344,037 81.1%   
No. of employees `000NA18.7 0.0%   
Total wages & salary Rs m3,08017,679 17.4%   
Avg. income/employee Rs ThNM9,452.6-  
Avg. wages/employee Rs ThNM947.6-  
Avg. net profit/employee Rs ThN.A.289.4-  
INCOME DATA
Interest income Rs m20,762176,347 11.8%  
Other income Rs m2,49515,645 15.9%   
Interest expense Rs m12,791123,137 10.4%   
Net interest income Rs m7,97153,210 15.0%  
Operating expense Rs m6,28329,254 21.5%   
Gross profit Rs m1,68823,955 7.0%  
Gross profit margin %8.113.6 59.8%  
Provisions/contingencies Rs m1,11529,560 3.8%   
Profit before tax Rs m3,06710,040 30.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,0704,642 23.1%   
Profit after tax Rs m1,9975,398 37.0%  
Net profit margin %9.63.1 314.2%  
BALANCE SHEET DATA
Advances Rs m158,1761,307,879 12.1%   
Deposits Rs m192,8921,743,024 11.1%  
Credit/Deposit ratio x82.075.0 109.3%  
Yield on advances %10.410.3 101.2%   
Cost of deposits %6.16.5 93.3%   
Net Interest Margin %3.52.7 127.1%  
Net fixed assets Rs m4,88613,684 35.7%   
Share capital Rs m2,8546,812 41.9%   
Free reserves Rs m13,11650,615 25.9%   
Net worth Rs m22,049109,944 20.1%   
Borrowings Rs m12,75897,156 13.1%   
Investments Rs m58,179538,642 10.8%   
Total assets Rs m240,4641,999,618 12.0%  
Debt/equity ratio x9.316.7 55.7%   
Return on assets %0.80.3 307.6%  
Return on equity %9.14.9 184.4%  
Capital adequacy ratio %13.811.6 118.8%  
Net NPAs %0.84.6 17.1%  
CASH FLOW
From Operations Rs m2,39877,096 3.1%  
From Investments Rs m-711-2,707 26.3%  
From Financial Activity Rs m1,322-61,303 -2.2%  
Net Cashflow Rs m3,00913,086 23.0%  

Share Holding

Indian Promoters % 0.9 60.1 1.5%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 10.9 212.8%  
FIIs % 15.0 11.5 130.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 17.4 261.5%  
Shareholders   184,073 222,746 82.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   KARUR VYSYA BANK  CANARA BANK  SOUTH IND.BANK  YES BANK  ALLAHABAD BANK  

Compare DCB BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Aug 23, 2017 (Close)

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