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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 21.3 -5.8 - View Chart
P/BV x 2.1 0.3 700.5% View Chart
Dividend Yield % 0.3 1.8 16.9%  

Financials

 DCB BANK   UNION BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
UNION BANK
Mar-16
DCB BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs172223 77.4%   
Low Rs78104 75.0%   
Income per share (Unadj.) Rs72.8470.1 15.5%  
Earnings per share (Unadj.) Rs7.019.7 35.5%  
Cash flow per share (Unadj.) Rs28.967.4 42.8%  
Dividends per share (Unadj.) Rs0.501.95 25.6%  
Avg Dividend yield %0.41.2 33.5%  
Book value per share (Unadj.) Rs77.3335.3 23.0%  
Shares outstanding (eoy) m285.36687.44 41.5%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x1.70.3 495.2%   
Avg P/E ratio x17.98.3 216.2%  
Avg P/CF ratio x11.52.1 534.2%  
Avg Price/Bookvalue ratio x1.60.5 332.5%  
Dividend payout %7.19.9 72.3%   
Avg Mkt Cap Rs m35,713112,259 31.8%   
No. of employees `000NA35.5 0.0%   
Total wages & salary Rs m3,08037,681 8.2%   
Avg. income/employee Rs ThNM9,109.9-  
Avg. wages/employee Rs ThNM1,062.2-  
Avg. net profit/employee Rs ThN.A.382.5-  
INCOME DATA
Interest income Rs m20,762323,157 6.4%  
Other income Rs m2,495393,443 0.6%   
Interest expense Rs m12,791238,940 5.4%   
Net interest income Rs m7,97184,216 9.5%  
Operating expense Rs m6,28367,159 9.4%   
Gross profit Rs m1,68817,057 9.9%  
Gross profit margin %8.15.3 154.0%  
Provisions/contingencies Rs m1,11538,682 2.9%   
Profit before tax Rs m3,06717,769 17.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,0704,291 24.9%   
Profit after tax Rs m1,99713,569 14.7%  
Net profit margin %9.64.2 229.1%  
BALANCE SHEET DATA
Advances Rs m158,1762,682,496 5.9%   
Deposits Rs m192,8923,441,175 5.6%  
Credit/Deposit ratio x82.078.0 105.2%  
Yield on advances %10.48.8 118.0%   
Cost of deposits %6.16.4 95.2%   
Net Interest Margin %3.52.2 161.1%  
Net fixed assets Rs m4,88639,519 12.4%   
Share capital Rs m2,8546,874 41.5%   
Free reserves Rs m13,116200,761 6.5%   
Net worth Rs m22,049230,481 9.6%   
Borrowings Rs m12,758306,366 4.2%   
Investments Rs m58,179905,732 6.4%   
Total assets Rs m240,4644,073,646 5.9%  
Debt/equity ratio x9.316.3 57.4%   
Return on assets %0.80.3 249.3%  
Return on equity %9.15.9 153.8%  
Capital adequacy ratio %13.811.1 123.5%  
Net NPAs %0.85.3 15.0%  
CASH FLOW
From Operations Rs m2,39882,741 2.9%  
From Investments Rs m-711-8,718 8.2%  
From Financial Activity Rs m1,322-3,886 -34.0%  
Net Cashflow Rs m3,00970,138 4.3%  

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:   UNITED BANK OF INDIA  BANK OF MAHARASHTRA  SYNDICATE BANK  ORIENTAL BANK  CANARA BANK  

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



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Feb 23, 2018 (Close)

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