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Compare Development Credit Bank with ICICI Bank - Equitymaster
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DCB BANK vs ICICI 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

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    DCB BANK ICICI BANK DCB BANK/
ICICI BANK
 
P/E (TTM) x 22.9 18.5 123.8% View Chart
P/BV x 2.3 2.0 113.1% View Chart
Dividend Yield % 0.3 1.7 16.6%  

Financials

 DCB BANK   ICICI BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
ICICI BANK
Mar-16
DCB BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs172331 52.0%   
Low Rs78183 42.6%   
Income per share (Unadj.) Rs72.8102.3 71.1%  
Earnings per share (Unadj.) Rs7.017.6 39.8%  
Cash flow per share (Unadj.) Rs28.972.5 39.8%  
Dividends per share (Unadj.) Rs0.505.00 10.0%  
Avg Dividend yield %0.41.9 20.6%  
Book value per share (Unadj.) Rs77.3162.3 47.6%  
Shares outstanding (eoy) m285.365,797.24 4.9%   
Bonus/Rights/Conversions OIESOS-  
Avg Price / Income ratio x1.72.5 68.4%   
Avg P/E ratio x17.914.7 122.0%  
Avg P/CF ratio x11.56.6 173.0%  
Avg Price/Bookvalue ratio x1.61.6 102.2%  
Dividend payout %7.128.5 25.1%   
Avg Mkt Cap Rs m35,7131,491,920 2.4%   
No. of employees `000NA74.1 0.0%   
Total wages & salary Rs m3,08069,186 4.5%   
Avg. income/employee Rs ThNM8,002.3-  
Avg. wages/employee Rs ThNM933.7-  
Avg. net profit/employee Rs ThN.A.1,373.9-  
INCOME DATA
Interest income Rs m20,762592,937 3.5%  
Other income Rs m2,495421,021 0.6%   
Interest expense Rs m12,791339,965 3.8%   
Net interest income Rs m7,971252,972 3.2%  
Operating expense Rs m6,283407,896 1.5%   
Gross profit Rs m1,688-154,923 -1.1%  
Gross profit margin %8.1-26.1 -31.1%  
Provisions/contingencies Rs m1,115123,054 0.9%   
Profit before tax Rs m3,067143,044 2.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,469 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,07033,775 3.2%   
Profit after tax Rs m1,997101,800 2.0%  
Net profit margin %9.617.2 56.0%  
BALANCE SHEET DATA
Advances Rs m158,1764,937,291 3.2%   
Deposits Rs m192,8924,510,774 4.3%  
Credit/Deposit ratio x82.0109.5 74.9%  
Yield on advances %10.48.4 123.8%   
Cost of deposits %6.14.9 125.2%   
Net Interest Margin %3.54.5 77.1%  
Net fixed assets Rs m4,88687,135 5.6%   
Share capital Rs m2,85411,632 24.5%   
Free reserves Rs m13,116560,261 2.3%   
Net worth Rs m22,049941,040 2.3%   
Borrowings Rs m12,7582,203,777 0.6%   
Investments Rs m58,1790-   
Total assets Rs m240,4649,187,562 2.6%  
Debt/equity ratio x9.37.1 130.7%   
Return on assets %0.81.1 74.9%  
Return on equity %9.110.8 83.7%  
Capital adequacy ratio %13.816.6 82.9%  
Net NPAs %0.83.0 26.5%  
CASH FLOW
From Operations Rs m2,398236,453 1.0%  
From Investments Rs m-711-118,193 0.6%  
From Financial Activity Rs m1,32258,139 2.3%  
Net Cashflow Rs m3,009176,400 1.7%  

Share Holding

Indian Promoters % 0.9 0.0 -  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 23.1 100.4%  
FIIs % 15.0 40.0 37.5%  
ADR/GDR % 0.0 29.2 -  
Free float % 45.5 7.8 583.3%  
Shareholders   184,073 585,463 31.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   BANK OF MAHARASHTRA  PNB  CITY UNION BANK  KARUR VYSYA BANK  ANDHRA BANK  

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



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Aug 22, 2017 01:08 PM

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