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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 17.2 9.2 187.2% View Chart
P/BV x 1.6 1.6 101.3% View Chart
Dividend Yield % 0.5 1.5 31.0%  

Financials

 DCB BANK   YES BANK
EQUITY SHARE DATA
    DCB BANK
Mar-18
YES BANK
Mar-18
DCB BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs2131,886 11.3%   
Low Rs155285 54.4%   
Income per share (Unadj.) Rs78.3440.1 17.8%  
Earnings per share (Unadj.) Rs8.091.7 8.7%  
Cash flow per share (Unadj.) Rs33.4215.2 15.5%  
Dividends per share (Unadj.) Rs0.752.70 27.8%  
Avg Dividend yield %0.40.2 163.9%  
Book value per share (Unadj.) Rs91.1559.2 16.3%  
Shares outstanding (eoy) m308.08460.59 66.9%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x2.32.5 95.2%   
Avg P/E ratio x23.111.8 195.2%  
Avg P/CF ratio x14.88.6 170.6%  
Avg Price/Bookvalue ratio x2.01.9 104.0%  
Dividend payout %9.42.9 319.9%   
Avg Mkt Cap Rs m56,671499,970 11.3%   
No. of employees `0005.818.2 31.7%   
Total wages & salary Rs m3,81221,889 17.4%   
Avg. income/employee Rs Th4,167.511,113.4 37.5%   
Avg. wages/employee Rs Th658.41,200.2 54.9%   
Avg. net profit/employee Rs Th423.72,316.4 18.3%   
INCOME DATA
Interest income Rs m24,130202,686 11.9%  
Other income Rs m3,10352,932 5.9%   
Interest expense Rs m14,176125,294 11.3%   
Net interest income Rs m9,95477,392 12.9%  
Operating expense Rs m7,80752,735 14.8%   
Gross profit Rs m2,14724,656 8.7%  
Gross profit margin %8.912.2 73.1%  
Provisions/contingencies Rs m1,38815,558 8.9%   
Profit before tax Rs m3,86261,943 6.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,40819,698 7.1%   
Profit after tax Rs m2,45342,246 5.8%  
Net profit margin %10.220.8 48.8%  
BALANCE SHEET DATA
Advances Rs m203,3672,035,339 10.0%   
Deposits Rs m240,0692,007,382 12.0%  
Credit/Deposit ratio x84.7101.4 83.5%  
Yield on advances %9.57.6 125.5%   
Cost of deposits %5.44.7 114.8%   
Net Interest Margin %3.42.6 131.9%  
Net fixed assets Rs m4,9408,324 59.3%   
Share capital Rs m3,0814,606 66.9%   
Free reserves Rs m24,983252,977 9.9%   
Net worth Rs m28,064257,583 10.9%   
Borrowings Rs m19,267748,936 2.6%   
Investments Rs m62,190683,989 9.1%   
Total assets Rs m302,2213,124,456 9.7%  
Debt/equity ratio x9.210.7 86.4%   
Return on assets %0.81.4 60.0%  
Return on equity %8.716.4 53.3%  
Capital adequacy ratio %16.518.4 89.5%  
Net NPAs %0.70.6 112.5%  
CASH FLOW
From Operations Rs m2,301-218,777 -1.1%  
From Investments Rs m-592-86,919 0.7%  
From Financial Activity Rs m10,087357,479 2.8%  
Net Cashflow Rs m11,79551,849 22.7%  

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:   DHANLAXMI BANK  BANK OF INDIA  FEDERAL BANK  SOUTH IND.BANK  ICICI BANK  

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



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