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Compare Development Credit Bank with Union Bank - Equitymaster

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DCB BANK vs UNION 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    DCB BANK UNION BANK DCB BANK/
UNION BANK
 
P/E (TTM) x 20.3 -1.1 - View Chart
P/BV x 1.8 0.2 775.9% View Chart
Dividend Yield % 0.4 0.0 -  

Financials

 DCB BANK   UNION BANK
EQUITY SHARE DATA
    DCB BANK
Mar-18
UNION BANK
Mar-18
DCB BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs213205 103.9%   
Low Rs15586 180.1%   
Income per share (Unadj.) Rs78.3282.0 27.8%  
Earnings per share (Unadj.) Rs8.0-44.6 -17.9%  
Cash flow per share (Unadj.) Rs33.4-115.2 -29.0%  
Dividends per share (Unadj.) Rs0.750-  
Avg Dividend yield %0.40-  
Book value per share (Unadj.) Rs91.1216.1 42.2%  
Shares outstanding (eoy) m308.081,168.57 26.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x2.30.5 455.2%   
Avg P/E ratio x23.1-3.3 -708.1%  
Avg P/CF ratio x14.81.9 780.4%  
Avg Price/Bookvalue ratio x2.00.7 299.9%  
Dividend payout %9.40-   
Avg Mkt Cap Rs m56,671170,027 33.3%   
No. of employees `0005.837.6 15.4%   
Total wages & salary Rs m3,81233,322 11.4%   
Avg. income/employee Rs Th4,167.58,766.7 47.5%   
Avg. wages/employee Rs Th658.4886.5 74.3%   
Avg. net profit/employee Rs Th423.7-1,386.8 -30.6%   
INCOME DATA
Interest income Rs m24,130329,516 7.3%  
Other income Rs m3,10354,621 5.7%   
Interest expense Rs m14,176234,709 6.0%   
Net interest income Rs m9,95494,807 10.5%  
Operating expense Rs m7,80773,508 10.6%   
Gross profit Rs m2,14721,298 10.1%  
Gross profit margin %8.96.5 137.7%  
Provisions/contingencies Rs m1,388142,063 1.0%   
Profit before tax Rs m3,862-66,062 -5.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,408-13,938 -10.1%   
Profit after tax Rs m2,453-52,125 -4.7%  
Net profit margin %10.2-15.8 -64.3%  
BALANCE SHEET DATA
Advances Rs m203,3672,905,715 7.0%   
Deposits Rs m240,0694,102,884 5.9%  
Credit/Deposit ratio x84.770.8 119.6%  
Yield on advances %9.57.9 121.3%   
Cost of deposits %5.45.3 102.0%   
Net Interest Margin %3.42.0 169.0%  
Net fixed assets Rs m4,94038,461 12.8%   
Share capital Rs m3,08111,686 26.4%   
Free reserves Rs m24,983228,925 10.9%   
Net worth Rs m28,064252,518 11.1%   
Borrowings Rs m19,267456,804 4.2%   
Investments Rs m62,1901,255,107 5.0%   
Total assets Rs m302,2214,911,464 6.2%  
Debt/equity ratio x9.218.1 51.2%   
Return on assets %0.8-1.1 -76.5%  
Return on equity %8.7-20.6 -42.4%  
Capital adequacy ratio %16.511.5 143.2%  
Net NPAs %0.78.4 8.6%  
CASH FLOW
From Operations Rs m2,30160,893 3.8%  
From Investments Rs m-592-3,068 19.3%  
From Financial Activity Rs m10,087107,919 9.3%  
Net Cashflow Rs m11,795165,744 7.1%  

Share Holding

Indian Promoters % 0.9 60.1 1.5%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 16.6 139.8%  
FIIs % 15.0 8.5 176.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 14.8 307.4%  
Shareholders   184,073 235,817 78.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   CITY UNION BANK  CORPORATION BANK  IDBI BANK  INDIAN OVERSEAS BANK  DHANLAXMI BANK  

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



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Jun 18, 2018 (Close)

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