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Compare Development Credit Bank with Yes Bank - Equitymaster
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DCB BANK vs YES 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

YES BANK 
   Change

Yes Bank, which received its greenfield banking license in May 2004, commenced its lending operations in October 2004. The bank had 356 branches and 600 ATMs at the end of FY12. The asset mix is expected to change from C&IB (65%), Business Banking (2... More

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Current Valuations

    DCB BANK YES BANK DCB BANK/
YES BANK
 
P/E (TTM) x 25.0 20.3 123.3% View Chart
P/BV x 2.5 3.5 71.3% View Chart
Dividend Yield % 0.3 3.6 7.2%  

Financials

 DCB BANK   YES BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
YES BANK
Mar-17
DCB BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs1721,558 11.1%   
Low Rs78827 9.4%   
Income per share (Unadj.) Rs72.8359.8 20.2%  
Earnings per share (Unadj.) Rs7.073.2 9.6%  
Cash flow per share (Unadj.) Rs28.9184.6 15.6%  
Dividends per share (Unadj.) Rs0.5012.00 4.2%  
Avg Dividend yield %0.41.0 39.7%  
Book value per share (Unadj.) Rs77.3482.8 16.0%  
Shares outstanding (eoy) m285.36456.49 62.5%   
Bonus/Rights/Conversions OIESOP-  
Avg Price / Income ratio x1.73.3 51.9%   
Avg P/E ratio x17.916.3 109.8%  
Avg P/CF ratio x11.513.2 87.2%  
Avg Price/Bookvalue ratio x1.62.5 65.6%  
Dividend payout %7.116.4 43.6%   
Avg Mkt Cap Rs m35,713544,273 6.6%   
No. of employees `000NA20.1 0.0%   
Total wages & salary Rs m3,08018,402 16.7%   
Avg. income/employee Rs ThNM8,161.5-  
Avg. wages/employee Rs ThNM914.4-  
Avg. net profit/employee Rs ThN.A.1,659.6-  
INCOME DATA
Interest income Rs m20,762164,250 12.6%  
Other income Rs m2,49542,178 5.9%   
Interest expense Rs m12,791106,265 12.0%   
Net interest income Rs m7,97157,985 13.7%  
Operating expense Rs m6,28341,686 15.1%   
Gross profit Rs m1,68816,299 10.4%  
Gross profit margin %8.19.9 81.9%  
Provisions/contingencies Rs m1,1157,938 14.0%   
Profit before tax Rs m3,06750,539 6.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,07017,140 6.2%   
Profit after tax Rs m1,99733,399 6.0%  
Net profit margin %9.620.3 47.3%  
BALANCE SHEET DATA
Advances Rs m158,1761,322,627 12.0%   
Deposits Rs m192,8921,428,574 13.5%  
Credit/Deposit ratio x82.092.6 88.6%  
Yield on advances %10.49.2 112.9%   
Cost of deposits %6.15.7 106.4%   
Net Interest Margin %3.52.9 121.5%  
Net fixed assets Rs m4,8866,868 71.1%   
Share capital Rs m2,8544,565 62.5%   
Free reserves Rs m13,116177,869 7.4%   
Net worth Rs m22,049220,396 10.0%   
Borrowings Rs m12,758386,067 3.3%   
Investments Rs m58,179499,818 11.6%   
Total assets Rs m240,4642,150,597 11.2%  
Debt/equity ratio x9.38.2 113.3%   
Return on assets %0.81.6 53.5%  
Return on equity %9.115.2 59.8%  
Capital adequacy ratio %13.817.0 80.9%  
Net NPAs %0.80.8 97.5%  
CASH FLOW
From Operations Rs m2,39843,841 5.5%  
From Investments Rs m-711-44,739 1.6%  
From Financial Activity Rs m1,322114,292 1.2%  
Net Cashflow Rs m3,009113,395 2.7%  

Share Holding

Indian Promoters % 0.9 22.1 4.1%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 20.7 112.1%  
FIIs % 15.0 45.1 33.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 12.2 373.0%  
Shareholders   184,073 172,309 106.8%  
Pledged promoter(s) holding % 0.0 3.6 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   AXIS BANK  INDUSIND BANK  ING VYSYA BANK  VIJAYA BANK  DHANLAXMI BANK  

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



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