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DEVELOPMENT CREDIT BANK LTD.
Sector : Banks


BSE  83.15   1.15   (1.4%)   BSE Code : 532772   NSE Code : DCB

PREV. CLOSE
82.0
OPEN PRICE
83.15
CLOSE PRICE
83.15
VOLUME
36502
TODAY's LOW
82.25
TODAY's HIGH
83.55




Important Levels
Pivot Points - 82.98
Resistance 1 83.72
Resistance 2 84.28
Support 1 82.42
Support 2 81.68

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
12/08/2020 83.15 83.55 82.25 83.15 1.4 36502
11/08/2020 82.55 83.55 82.5 82.95 1.16 439956
10/08/2020 84.15 84.75 82.0 82.5 -0.6 363131
05/08/2020 81.3 82.25 80.7 81.8 2.25 61372
04/08/2020 80.2 81.3 79.7 80.65 0.81 1199700
03/08/2020 77.4 80.35 77.35 80.1 4.03 65073
31/07/2020 77.6 78.45 76.65 77.35 0.45 80276
30/07/2020 79.75 80.45 77.75 77.9 -1.39 47548
29/07/2020 79.8 81.2 78.95 79.6 2.05 61550
27/07/2020 80.1 80.2 77.9 78.45 -1.94 96218

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 450.95 428.9 431.65 433.8 439.5
Gain / Loss % 0.66 5.14 4.47 3.95 2.61
BANK OF BARODA Price 48.6 46.55 46.7 48.65 51.55
Gain / Loss % 3.4 4.4 4.07 -0.1 -5.72
BANK OF INDIA Price 49.05 48.85 45.95 47.05 49.3
Gain / Loss % 2.19 0.41 6.75 4.25 -0.51
BANK OF MAHARASHTRA Price 12.14 11.93 11.72 10.74 11.57
Gain / Loss % 10.36 1.76 3.58 13.04 4.93
CANARA BANK Price 102.15 104.45 99.65 103.0 104.55
Gain / Loss % 1.14 -2.2 2.51 -0.83 -2.3
CENTRAL BANK OF INDIA Price 18.2 17.55 16.85 16.85 17.45
Gain / Loss % 1.11 3.7 8.01 8.01 4.3
CITY UNION BANK LTD. Price 117.95 117.0 122.55 123.95 132.2
Gain / Loss % -0.88 0.81 -3.75 -4.84 -10.78
DEVELOPMENT CREDIT BANK LTD. Price 83.15 80.65 78.45 81.55 83.1
Gain / Loss % 1.4 3.1 5.99 1.96 0.06
Dhanlaxmi Bank Limited Price 13.09 12.41 12.77 13.24 13.84
Gain / Loss % 19 5.48 2.51 -1.13 -5.42
FEDERAL BANK LTD. Price 54.0 52.3 56.0 53.65 54.2
Gain / Loss % 0 3.25 -3.57 0.65 -0.37
HDFC BANK LTD. Price 1063.75 1041.4 1079.05 1132.8 1105.35
Gain / Loss % -0.3 2.15 -1.42 -6.1 -3.76
ICICI BANK LTD. Price 366.8 351.05 358.5 362.85 360.35
Gain / Loss % -0.05 4.49 2.32 1.09 1.79
IDBI BANK LTD. Price 39.95 38.55 36.9 40.0 43.35
Gain / Loss % 2.44 3.63 8.27 -0.12 -7.84
INDIAN BANK Price 64.2 58.25 56.75 61.55 63.9
Gain / Loss % 0.31 10.21 13.13 4.31 0.47
INDIAN OVERSEAS BANK Price 10.65 10.32 10.37 10.5 10.76
Gain / Loss % 6.5 3.2 2.7 1.43 -1.02
INDUSIND BANK LTD. Price 520.5 492.6 506.4 528.5 539.15
Gain / Loss % -0.1 5.66 2.78 -1.51 -3.46
JAMMU & KASHMIR BANK LTD. Price 17.6 16.05 16.05 17.15 18.85
Gain / Loss % 3.53 9.66 9.66 2.62 -6.63
KARNATAKA BANK LTD. Price 42.7 42.05 43.1 45.4 47.1
Gain / Loss % 1.67 1.55 -0.93 -5.95 -9.34
KARUR VYSYA BANK LTD. Price 35.0 32.15 30.35 31.45 34.8
Gain / Loss % 0 8.86 15.32 11.29 0.57
KOTAK MAHINDRA BANK LTD. Price 1335.4 1323.95 1322.45 1318.6 1349.5
Gain / Loss % -2.1 0.86 0.98 1.27 -1.04
LAKSHMI VILAS BANK LTD. Price 21.0 18.85 19.4 21.35 22.35
Gain / Loss % 0 11.41 8.25 -1.64 -6.04
PUNJAB & SIND BANK Price 13.36 13.36 13.45 13.05 13.95
Gain / Loss % 2.77 0 -0.67 2.38 -4.23
PUNJAB NATIONAL BANK Price 33.8 32.6 32.35 34.5 35.05
Gain / Loss % 5.62 3.68 4.48 -2.03 -3.57
SOUTH INDIAN BANK LTD. Price 7.34 6.81 6.97 7.54 8.02
Gain / Loss % 4.86 7.78 5.31 -2.65 -8.48
STATE BANK OF INDIA Price 203.35 191.65 187.15 190.65 195.65
Gain / Loss % 4.28 6.1 8.66 6.66 3.94
UCO BANK Price 13.92 13.94 13.17 13.6 13.93
Gain / Loss % 7.08 -0.14 5.69 2.35 -0.07
UNION BANK OF INDIA Price 30.85 29.1 29.55 31.0 32.05
Gain / Loss % 2.83 6.01 4.4 -0.48 -3.74
YES BANK LTD. Price 16.35 12.22 12.3 19.45 25.5
Gain / Loss % 9 33.8 32.93 -15.94 -35.88

Technical Indicators

Simple Moving Average
5 Days 82.21
10 Days 80.44
15 Days 80.78
25 Days 81.39
30 Days 81.02
Exponential Moving Average
5 Days 82.18
10 Days 81.42
12 Days 81.27
20 Days 80.78

MACD
12 Day EMA 81.27
26 Day EMA 80.42
MACD 0.85
Signal Line 0.71
Other Technical Indicators
Non - Smoothed RSI 72.64
Smoothed RSI 70.67
ROC 2.15
William %R -19.75
Upper Bollinger Band 84.26
Lower Bollinger Band 77.38
Middle Bollinger Band 80.82

Technical Analysis
Over Bought by RSI? Yes
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? Yes
Over Sold by W%R? No

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Liabilities
Share Capital 309.49 286.95 285.97 285.21 253.29
Reserves & Surplus 2247.9 1661.43 1455.98 1251.95 900.67
Net Worth 2807.83 2204.88 1792.17 1588.58 1153.96
Secured Loans 1926.71 1275.81 1147.9 1163.8 860.16
Unsecured Loans 24006.86 19289.21 14925.99 12609.13 10325.16
TOTAL LIABILITIES 28741.41 22769.9 17866.05 15361.5 12339.28
Assets
Gross Block 494.02 488.57 248.02 236.68 238.64
(-) Acc. Depreciation 0 0 0 0 0
Net Block 243.58 232.07 197.8 185.27 238.64
Capital Work in Progress. 0 0 0 0 0
Investments 6218.96 5817.94 4333.33 4470.56 3634.22
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 2371.98 1192.46 891.56 719.18 689.57
Loans And Advances 21137.13 16547.4 13645.61 10705.89 8360.7
Total Current Assets 23509.12 17739.87 14537.17 11425.07 9050.27
Current Liabilities 1480.69 1276.48 1252.47 770.81 583.86
Provisions 0 0 0 0 0
Total Current Liabilities 1480.69 1276.48 1252.47 770.81 583.86
NET CURRENT ASSETS 22028.43 16463.39 13284.7 10654.26 8466.42
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 28741.41 22769.9 17866.05 15361.5 12339.28

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
INCOME:
Sales Turnover 2412.99 2076.15 1698.46 1422.42 1128.26
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 2412.99 2076.15 1698.46 1422.42 1128.26
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 2723.26 2325.60 1918.92 1588.14 1266.92
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 381.23 308.03 245.09 196.03 157.08
Selling Expenses 2.95 2.51 0.00 0.00 0.00
Administrative Expenses 343.19 278.76 215.56 177.10 144.03
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 138.80 111.49 87.91 47.57 34.76
TOTAL EXPENDITURE 866.17 700.79 548.56 420.70 335.88
Operating Profit 268.06 207.79 158.85 135.10 67.27
EBITDA 1995.89 1736.30 1458.27 300.81 205.94
Depreciation 53.36 39.03 30.28 23.36 17.97
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 1942.53 1697.27 1427.99 277.45 187.96
Interest 1417.56 1279.06 1078.96 914.20 759.87
EBT 386.17 1585.78 261.12 229.87 153.20
Taxes 140.83 107.04 66.59 38.69 1.84
Profit and Loss for the Year 245.34 1478.73 194.52 191.18 151.36
Non Recurring Items 0.00 0.00 0.00 0.00 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -1279.06 0.00 0.00 0.00
REPORTED PAT 245.34 199.68 194.52 191.18 151.36
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 18.49 0.00 0.00 0.00 0.00
Equity Dividend (%) 6.00 0.00 0.00 0.00 0.00
Shares in Issue (Lakhs) 3080.85 2853.64 2844.36 2820.12 2503.25
EPS - Annualised (Rs) 7.96 7.00 6.84 6.78 6.05

Quarterly

(Rs. in Crores)

Particulars 2019-12 2019-09 2019-06 2019-03 2018-12
INCOME:
Net Sales Turnover 897.82 879.2 857.7 827.1 777.3
Other Income 93.07 101.39 86.76 99.36 94.48
TOTAL INCOME 990.89 980.59 944.46 926.46 871.78
EXPENDITURE:
Stock Adjustments 0 0 0 0 0
Raw Material Consumed 0 0 0 0 0
Power and Fuel 0 0 0 0 0
Employee Expenses 115.57 114.65 116.19 104.87 110.29
Administration and Selling Expenses 0 0 0 0 0
Research and Development Expenses 0 0 0 0 0
Expenses Capitalised 0 0 0 0 0
Other Expenses 110.68 115.57 108.78 110.08 104.02
Provisions Made 59 43.27 40.64 34.78 40.14
TOTAL EXPENSES 285.25 273.49 265.61 249.73 254.45
Operating Profit 612.57 605.71 592.09 577.37 522.85
EBITDA 705.64 707.1 678.85 676.73 617.33
Depreciation 0 0 0 0 0
EBIT 764.64 750.37 719.49 711.51 657.47
Interest 574.72 565.84 552.95 526.23 483.69
EBT 189.92 184.53 166.54 185.28 173.78
Taxes 34.22 49.85 44.84 54.17 47.54
Profit and Loss for the Year 155.7 134.68 121.7 131.11 126.24
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -59 -43.27 -40.64 -34.78 -40.14
REPORTED PAT 96.7 91.41 81.06 96.33 86.1
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 310.21 310.07 309.8 309.55 309.3
Reserves and Surplus 0 0 0 0 0
Equity Dividend Rate 0 0 0 0 0
Agg. Non-Promoter Shares(lacks) 0 0 0 0 0
Agg. Non-Promoter Holding (%) 0 0 0 0 0
Government Share 0 0 0 0 0
Capital Adequacy Ratio 0 0 0 0 0
EPS (Rs.) 0 0 0 0 0

Key Ratios

Key Financial ratios of DEVELOPMENT CREDIT BANK LTD. Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Key Stats
Earnings Per Share 7.96 7 6.84 6.78 6.05
Profitability Ratios
Operating Profit Margin(%) 11.11 10.01 9.35 9.5 5.96
Profit Before Interest And Tax Margin(%) 80.5 81.75 84.08 19.51 16.66
Net Profit Margin(%) 10.17 9.62 11.45 13.44 13.42
Return On Capital Employed(%) 0.9 6.88 1.17 1.31 1.29
Return On Net Worth(%) 8.74 9.06 10.85 12.03 13.12
Return on Assets(%) 0.85 0.88 1.09 1.24 1.23
Tax Rate(%) 36.47 6.75 25.5 16.83 1.2
Liquidity And Solvency Ratios
Current Ratio 15.88 13.9 11.61 14.82 15.5
Quick Ratio 15.88 13.9 11.61 14.82 15.5
Debt Equity Ratio 9.24 9.33 8.97 8.67 9.69
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.37 1.33 1.32 0.3 0.25
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.08 0.09 0.1 0.09 0.09
Margin Ratios
Core EBITDA Margin(%) 73.29 74.66 75.99 18.94 16.26
EBIT Margin(%) 71.33 72.98 74.42 17.47 14.84
PAT Margin(%) 10.17 9.62 11.45 13.44 13.42