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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 20.2 -1.2 - View Chart
P/BV x 1.8 0.4 502.2% View Chart
Dividend Yield % 0.4 0.0 -  

Financials

 DCB BANK   PNB
EQUITY SHARE DATA
    DCB BANK
Mar-18
PNB
Mar-17
DCB BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs213159 133.6%   
Low Rs15572 215.1%   
Income per share (Unadj.) Rs78.3225.8 34.7%  
Earnings per share (Unadj.) Rs8.04.0 199.6%  
Cash flow per share (Unadj.) Rs33.4-17.4 -191.6%  
Dividends per share (Unadj.) Rs0.750-  
Avg Dividend yield %0.40-  
Book value per share (Unadj.) Rs91.1202.8 44.9%  
Shares outstanding (eoy) m308.082,127.97 14.5%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x2.30.5 458.4%   
Avg P/E ratio x23.129.0 79.7%  
Avg P/CF ratio x14.81.6 932.8%  
Avg Price/Bookvalue ratio x2.00.6 354.0%  
Dividend payout %9.40-   
Avg Mkt Cap Rs m56,671246,206 23.0%   
No. of employees `0005.873.9 7.8%   
Total wages & salary Rs m3,81254,823 7.0%   
Avg. income/employee Rs Th4,167.56,501.5 64.1%   
Avg. wages/employee Rs Th658.4741.7 88.8%   
Avg. net profit/employee Rs Th423.7114.9 368.9%   
INCOME DATA
Interest income Rs m24,130480,581 5.0%  
Other income Rs m3,10391,676 3.4%   
Interest expense Rs m14,176327,223 4.3%   
Net interest income Rs m9,954153,358 6.5%  
Operating expense Rs m7,80795,236 8.2%   
Gross profit Rs m2,14758,122 3.7%  
Gross profit margin %8.912.1 73.6%  
Provisions/contingencies Rs m1,388147,176 0.9%   
Profit before tax Rs m3,86215,401 25.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,4086,390 22.0%   
Profit after tax Rs m2,4538,492 28.9%  
Net profit margin %10.21.8 575.4%  
BALANCE SHEET DATA
Advances Rs m203,3674,242,305 4.8%   
Deposits Rs m240,0696,296,509 3.8%  
Credit/Deposit ratio x84.767.4 125.7%  
Yield on advances %9.57.9 120.1%   
Cost of deposits %5.44.8 112.1%   
Net Interest Margin %3.42.2 158.7%  
Net fixed assets Rs m4,94062,978 7.8%   
Share capital Rs m3,0814,256 72.4%   
Free reserves Rs m24,983305,883 8.2%   
Net worth Rs m28,064431,649 6.5%   
Borrowings Rs m19,267433,360 4.4%   
Investments Rs m62,1901,915,272 3.2%   
Total assets Rs m302,2217,333,109 4.1%  
Debt/equity ratio x9.215.6 59.3%   
Return on assets %0.80.1 701.0%  
Return on equity %8.72.0 444.4%  
Capital adequacy ratio %16.512.4 132.9%  
Net NPAs %0.77.8 9.2%  
CASH FLOW
From Operations Rs m2,301219,380 1.0%  
From Investments Rs m-5921,588 -37.3%  
From Financial Activity Rs m10,087-97,671 -10.3%  
Net Cashflow Rs m11,795123,297 9.6%  

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:   ANDHRA BANK  SYNDICATE BANK  CORPORATION BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



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