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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    DCB BANK PNB DCB BANK/
PNB
 
P/E (TTM) x 21.2 4.9 436.6% View Chart
P/BV x 2.1 0.5 432.2% View Chart
Dividend Yield % 0.3 0.0 -  

Financials

 DCB BANK   PNB
EQUITY SHARE DATA
    DCB BANK
Mar-17
PNB
Mar-17
DCB BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs172159 108.0%   
Low Rs7872 108.5%   
Income per share (Unadj.) Rs72.8225.8 32.2%  
Earnings per share (Unadj.) Rs7.04.0 175.4%  
Cash flow per share (Unadj.) Rs28.9-17.4 -165.7%  
Dividends per share (Unadj.) Rs0.500-  
Avg Dividend yield %0.40-  
Book value per share (Unadj.) Rs77.3202.8 38.1%  
Shares outstanding (eoy) m285.362,127.97 13.4%   
Bonus/Rights/Conversions OIOI-  
Avg Price / Income ratio x1.70.5 335.8%   
Avg P/E ratio x17.929.0 61.7%  
Avg P/CF ratio x11.51.6 725.6%  
Avg Price/Bookvalue ratio x1.60.6 284.0%  
Dividend payout %7.10-   
Avg Mkt Cap Rs m35,713246,206 14.5%   
No. of employees `000NA73.9 0.0%   
Total wages & salary Rs m3,08054,823 5.6%   
Avg. income/employee Rs ThNM6,501.5-  
Avg. wages/employee Rs ThNM741.7-  
Avg. net profit/employee Rs ThN.A.114.9-  
INCOME DATA
Interest income Rs m20,762480,581 4.3%  
Other income Rs m2,49591,676 2.7%   
Interest expense Rs m12,791327,223 3.9%   
Net interest income Rs m7,971153,358 5.2%  
Operating expense Rs m6,28395,236 6.6%   
Gross profit Rs m1,68858,122 2.9%  
Gross profit margin %8.112.1 67.2%  
Provisions/contingencies Rs m1,115147,176 0.8%   
Profit before tax Rs m3,06715,401 19.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,0706,390 16.8%   
Profit after tax Rs m1,9978,492 23.5%  
Net profit margin %9.61.8 544.3%  
BALANCE SHEET DATA
Advances Rs m158,1764,242,305 3.7%   
Deposits Rs m192,8926,296,509 3.1%  
Credit/Deposit ratio x82.067.4 121.7%  
Yield on advances %10.47.9 131.1%   
Cost of deposits %6.14.8 127.6%   
Net Interest Margin %3.52.2 161.0%  
Net fixed assets Rs m4,88662,978 7.8%   
Share capital Rs m2,8544,256 67.1%   
Free reserves Rs m13,116305,883 4.3%   
Net worth Rs m22,049431,649 5.1%   
Borrowings Rs m12,758433,360 2.9%   
Investments Rs m58,1791,915,272 3.0%   
Total assets Rs m240,4647,333,109 3.3%  
Debt/equity ratio x9.315.6 59.8%   
Return on assets %0.80.1 717.1%  
Return on equity %9.12.0 460.4%  
Capital adequacy ratio %13.812.4 111.1%  
Net NPAs %0.87.8 10.1%  
CASH FLOW
From Operations Rs m2,398219,380 1.1%  
From Investments Rs m-7111,588 -44.8%  
From Financial Activity Rs m1,322-97,671 -1.4%  
Net Cashflow Rs m3,009123,297 2.4%  

Share Holding

Indian Promoters % 0.9 58.9 1.5%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 18.7 124.1%  
FIIs % 15.0 17.2 87.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 5.3 858.5%  
Shareholders   184,073 215,441 85.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   FEDERAL BANK  ORIENTAL BANK  CANARA BANK  ING VYSYA BANK  YES BANK  

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



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