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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 5.5 24.3 22.6% View Chart
P/BV x 1.2 2.4 50.2% View Chart
Dividend Yield % 1.9 0.3 703.2%  

Financials

 SOUTH IND.BANK   DCB BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-15
DCB BANK
Mar-17
SOUTH IND.BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs35172 20.4%   
Low Rs2278 27.9%   
Income per share (Unadj.) Rs39.272.8 53.8%  
Earnings per share (Unadj.) Rs2.37.0 32.5%  
Cash flow per share (Unadj.) Rs7.728.9 26.6%  
Dividends per share (Unadj.) Rs0.600.50 120.0%  
Avg Dividend yield %2.10.4 527.9%  
Book value per share (Unadj.) Rs26.677.3 34.4%  
Shares outstanding (eoy) m1,350.15285.36 473.1%   
Bonus/Rights/Conversions ESOSOI-  
Avg Price / Income ratio x0.71.7 42.2%   
Avg P/E ratio x12.517.9 69.9%  
Avg P/CF ratio x5.311.5 46.4%  
Avg Price/Bookvalue ratio x1.11.6 66.0%  
Dividend payout %26.47.1 369.0%   
Avg Mkt Cap Rs m38,41235,713 107.6%   
No. of employees `0007.8NA-   
Total wages & salary Rs m6,3373,080 205.7%   
Avg. income/employee Rs Th6,755.6NM-  
Avg. wages/employee Rs Th809.8NM-  
Avg. net profit/employee Rs Th392.6N.A.-  
INCOME DATA
Interest income Rs m52,86220,762 254.6%  
Other income Rs m4,9712,495 199.3%   
Interest expense Rs m39,20012,791 306.5%   
Net interest income Rs m13,6627,971 171.4%  
Operating expense Rs m9,8136,283 156.2%   
Gross profit Rs m3,8491,688 228.1%  
Gross profit margin %7.38.1 89.6%  
Provisions/contingencies Rs m4,1411,115 371.4%   
Profit before tax Rs m4,6803,067 152.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,6081,070 150.2%   
Profit after tax Rs m3,0721,997 153.8%  
Net profit margin %5.89.6 60.4%  
BALANCE SHEET DATA
Advances Rs m373,916158,176 236.4%   
Deposits Rs m519,125192,892 269.1%  
Credit/Deposit ratio x72.082.0 87.8%  
Yield on advances %11.110.4 106.6%   
Cost of deposits %7.16.1 115.5%   
Net Interest Margin %2.43.5 67.8%  
Net fixed assets Rs m4,7914,886 98.1%   
Share capital Rs m1,3502,854 47.3%   
Free reserves Rs m23,79413,116 181.4%   
Net worth Rs m35,91822,049 162.9%   
Borrowings Rs m22,32512,758 175.0%   
Investments Rs m167,17258,179 287.3%   
Total assets Rs m591,163240,464 245.8%  
Debt/equity ratio x15.19.3 161.6%   
Return on assets %0.50.8 62.6%  
Return on equity %8.69.1 94.4%  
Capital adequacy ratio %12.113.8 87.6%  
Net NPAs %1.00.8 121.5%  
CASH FLOW
From Operations Rs m6,8702,398 286.5%  
From Investments Rs m-1,726-711 242.8%  
From Financial Activity Rs m-1,3721,322 -103.8%  
Net Cashflow Rs m3,7723,009 125.3%  

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:   UNION BANK  VIJAYA BANK  DHANLAXMI BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  

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



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