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Compare South Ind.Bank with Development Credit Bank - Equitymaster

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SOUTH IND.BANK vs DCB BANK - Comparison Results

DCB BANK 
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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

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Current Valuations

    SOUTH IND.BANK DCB BANK SOUTH IND.BANK/
DCB BANK
 
P/E (TTM) x 5.7 20.0 28.3% View Chart
P/BV x 0.9 1.7 50.4% View Chart
Dividend Yield % 2.6 0.4 595.0%  

Financials

 SOUTH IND.BANK   DCB BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-15
DCB BANK
Mar-18
SOUTH IND.BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs35213 16.5%   
Low Rs22155 14.1%   
Income per share (Unadj.) Rs39.278.3 50.0%  
Earnings per share (Unadj.) Rs2.38.0 28.6%  
Cash flow per share (Unadj.) Rs7.733.4 23.0%  
Dividends per share (Unadj.) Rs0.600.75 80.0%  
Avg Dividend yield %2.10.4 517.3%  
Book value per share (Unadj.) Rs26.691.1 29.2%  
Shares outstanding (eoy) m1,350.15308.08 438.2%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x0.72.3 30.9%   
Avg P/E ratio x12.523.1 54.1%  
Avg P/CF ratio x5.314.8 36.1%  
Avg Price/Bookvalue ratio x1.12.0 53.0%  
Dividend payout %26.49.4 280.0%   
Avg Mkt Cap Rs m38,41256,671 67.8%   
No. of employees `0007.85.8 135.1%   
Total wages & salary Rs m6,3373,812 166.2%   
Avg. income/employee Rs Th6,755.64,167.5 162.1%   
Avg. wages/employee Rs Th809.8658.4 123.0%   
Avg. net profit/employee Rs Th392.6423.7 92.7%   
INCOME DATA
Interest income Rs m52,86224,130 219.1%  
Other income Rs m4,9713,103 160.2%   
Interest expense Rs m39,20014,176 276.5%   
Net interest income Rs m13,6629,954 137.3%  
Operating expense Rs m9,8137,807 125.7%   
Gross profit Rs m3,8492,147 179.3%  
Gross profit margin %7.38.9 81.8%  
Provisions/contingencies Rs m4,1411,388 298.3%   
Profit before tax Rs m4,6803,862 121.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,6081,408 114.1%   
Profit after tax Rs m3,0722,453 125.2%  
Net profit margin %5.810.2 57.2%  
BALANCE SHEET DATA
Advances Rs m373,916203,367 183.9%   
Deposits Rs m519,125240,069 216.2%  
Credit/Deposit ratio x72.084.7 85.0%  
Yield on advances %11.19.5 116.4%   
Cost of deposits %7.15.4 131.5%   
Net Interest Margin %2.43.4 68.8%  
Net fixed assets Rs m4,7914,940 97.0%   
Share capital Rs m1,3503,081 43.8%   
Free reserves Rs m23,79424,983 95.2%   
Net worth Rs m35,91828,064 128.0%   
Borrowings Rs m22,32519,267 115.9%   
Investments Rs m167,17262,190 268.8%   
Total assets Rs m591,163302,221 195.6%  
Debt/equity ratio x15.19.2 163.1%   
Return on assets %0.50.8 64.0%  
Return on equity %8.68.7 97.8%  
Capital adequacy ratio %12.116.5 73.2%  
Net NPAs %1.00.7 133.3%  
CASH FLOW
From Operations Rs m6,8702,301 298.6%  
From Investments Rs m-1,726-592 291.5%  
From Financial Activity Rs m-1,37210,087 -13.6%  
Net Cashflow Rs m3,77211,795 32.0%  

Share Holding

Indian Promoters % 0.0 0.9 -  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 12.0 23.2 51.7%  
FIIs % 41.7 15.0 278.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 46.3 45.5 101.8%  
Shareholders   247,922 184,073 134.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SOUTH IND.BANK With:   PNB  SYNDICATE BANK  ICICI BANK  CANARA BANK  AXIS BANK  

Compare SOUTH IND.BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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