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Compare United Bank of India with Development Credit Bank - Equitymaster

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UNITED BANK OF INDIA 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

    UNITED BANK OF INDIA DCB BANK UNITED BANK OF INDIA/
DCB BANK
 
P/E (TTM) x -0.5 18.8 - View Chart
P/BV x 0.1 1.7 5.7% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 UNITED BANK OF INDIA   DCB BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
DCB BANK
Mar-18
UNITED BANK OF INDIA/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs23213 10.7%   
Low Rs11155 6.8%   
Income per share (Unadj.) Rs27.878.3 35.5%  
Earnings per share (Unadj.) Rs-4.88.0 -60.9%  
Cash flow per share (Unadj.) Rs-14.133.4 -42.3%  
Dividends per share (Unadj.) Rs00.75 0.0%  
Avg Dividend yield %00.4 0.0%  
Book value per share (Unadj.) Rs28.991.1 31.7%  
Shares outstanding (eoy) m2,999.99308.08 973.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.62.3 25.5%   
Avg P/E ratio x-3.423.1 -14.9%  
Avg P/CF ratio x2.014.8 13.4%  
Avg Price/Bookvalue ratio x0.62.0 28.6%  
Dividend payout %09.4 0.0%   
Avg Mkt Cap Rs m49,95056,671 88.1%   
No. of employees `000NA5.8 0.0%   
Total wages & salary Rs m17,1263,812 449.2%   
Avg. income/employee Rs ThNM4,167.5-  
Avg. wages/employee Rs ThNM658.4-  
Avg. net profit/employee Rs ThN.A.423.7-  
INCOME DATA
Interest income Rs m83,41624,130 345.7%  
Other income Rs m22,1463,103 713.7%   
Interest expense Rs m68,48814,176 483.1%   
Net interest income Rs m14,9299,954 150.0%  
Operating expense Rs m26,8347,807 343.7%   
Gross profit Rs m-11,9052,147 -554.5%  
Gross profit margin %-14.38.9 -160.4%  
Provisions/contingencies Rs m39,7281,388 2,862.2%   
Profit before tax Rs m-29,4873,862 -763.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-14,9421,408 -1,061.0%   
Profit after tax Rs m-14,5452,453 -592.8%  
Net profit margin %-17.410.2 -171.5%  
BALANCE SHEET DATA
Advances Rs m624,902203,367 307.3%   
Deposits Rs m1,293,264240,069 538.7%  
Credit/Deposit ratio x48.384.7 57.0%  
Yield on advances %8.19.5 84.9%   
Cost of deposits %5.15.4 95.0%   
Net Interest Margin %1.13.4 32.6%  
Net fixed assets Rs m12,9314,940 261.7%   
Share capital Rs m30,0003,081 973.7%   
Free reserves Rs m22,24424,983 89.0%   
Net worth Rs m86,61628,064 308.6%   
Borrowings Rs m33,06119,267 171.6%   
Investments Rs m504,01862,190 810.5%   
Total assets Rs m1,447,487302,221 478.9%  
Debt/equity ratio x15.39.2 165.7%   
Return on assets %-1.00.8 -123.8%  
Return on equity %-16.88.7 -192.1%  
Capital adequacy ratio %12.616.5 76.6%  
Net NPAs %16.50.7 2,290.3%  
CASH FLOW
From Operations Rs m46,5882,301 2,025.1%  
From Investments Rs m-2,347-592 396.3%  
From Financial Activity Rs m27,94210,087 277.0%  
Net Cashflow Rs m72,18311,795 612.0%  

Share Holding

Indian Promoters % 88.0 0.9 9,777.8%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 5.2 23.2 22.4%  
FIIs % 0.3 15.0 2.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 45.5 14.3%  
Shareholders   78,272 184,073 42.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   SBI  ORIENTAL BANK  BANK OF MAHARASHTRA  DENA BANK  YES BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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