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DEVELOPMENT CREDIT BANK LTD.
Sector : Banks


BSE  80.6   2.6   (3.33%)   BSE Code : 532772   NSE Code : DCB

PREV. CLOSE
78.0
OPEN PRICE
79.9
CLOSE PRICE
80.6
VOLUME
307875
TODAY's LOW
79.45
TODAY's HIGH
81.6




Important Levels
Pivot Points - 80.55
Resistance 1 81.65
Resistance 2 82.7
Support 1 79.5
Support 2 78.4

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
02/07/2020 79.9 81.6 79.45 80.6 3.33 307875
01/07/2020 76.9 79.35 75.7 78.85 5.13 247908
30/06/2020 79.95 80.4 75.55 75.75 -2.88 301913
29/06/2020 82.7 83.5 78.6 78.85 -2.65 210014
25/06/2020 79.4 82.7 77.7 81.65 2.06 325630
24/06/2020 88.85 88.85 79.65 80.05 -6.92 341191
22/06/2020 83.0 87.6 83.0 85.95 4.82 697912
19/06/2020 81.0 85.4 79.85 82.75 4.75 717532
18/06/2020 72.3 80.0 71.25 79.2 11.55 924476
17/06/2020 71.6 72.5 70.4 71.15 0.21 207169

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 423.55 421.4 389.45 427.8 409.6
Gain / Loss % -2.18 0.51 8.76 -0.99 3.41
BANK OF BARODA Price 51.45 52.05 44.9 47.0 43.2
Gain / Loss % 0.88 -1.15 14.59 9.47 19.1
BANK OF INDIA Price 49.9 50.4 49.3 42.2 39.5
Gain / Loss % -0.2 -0.99 1.22 18.25 26.33
BANK OF MAHARASHTRA Price 11.11 11.04 10.8 10.66 10.29
Gain / Loss % 1 0.63 2.87 4.22 7.97
CANARA BANK Price 104.55 104.85 100.7 104.95 97.0
Gain / Loss % -0.43 -0.29 3.82 -0.38 7.78
CENTRAL BANK OF INDIA Price 17.8 17.23 16.24 16.64 15.97
Gain / Loss % 4.71 3.31 9.61 6.97 11.46
CITY UNION BANK LTD. Price 124.25 123.05 132.9 134.15 144.45
Gain / Loss % 1.84 0.98 -6.51 -7.38 -13.98
DEVELOPMENT CREDIT BANK LTD. Price 80.6 81.65 71.15 73.4 68.7
Gain / Loss % 3.33 -1.29 13.28 9.81 17.32
Dhanlaxmi Bank Limited Price 14.21 14.49 13.13 11.2 10.77
Gain / Loss % 1.5 -1.93 8.23 26.88 31.94
FEDERAL BANK LTD. Price 53.55 52.15 46.75 49.85 47.15
Gain / Loss % 1.04 2.68 14.55 7.42 13.57
HDFC BANK LTD. Price 1089.7 1028.95 980.9 991.8 1022.1
Gain / Loss % 0.43 5.9 11.09 9.87 6.61
ICICI BANK LTD. Price 362.7 351.15 342.15 353.4 356.65
Gain / Loss % -0.08 3.29 6.01 2.63 1.7
IDBI BANK LTD. Price 48.2 37.95 31.9 33.7 31.8
Gain / Loss % 7.11 27.01 51.1 43.03 51.57
INDIAN BANK Price 65.7 63.7 54.45 55.3 49.4
Gain / Loss % 1.08 3.14 20.66 18.81 33
INDIAN OVERSEAS BANK Price 11.52 11.99 10.11 10.52 9.45
Gain / Loss % 4.73 -3.92 13.95 9.51 21.9
INDUSIND BANK LTD. Price 494.65 475.05 490.85 500.7 431.35
Gain / Loss % 0.54 4.13 0.77 -1.21 14.67
JAMMU & KASHMIR BANK LTD. Price 18.0 19.87 14.69 16.27 12.91
Gain / Loss % 5.88 -9.41 22.53 10.63 39.43
KARNATAKA BANK LTD. Price 42.6 43.65 40.15 40.4 40.2
Gain / Loss % 1.43 -2.41 6.1 5.45 5.97
KARUR VYSYA BANK LTD. Price 34.5 33.9 27.7 27.05 25.7
Gain / Loss % 1.47 1.77 24.55 27.54 34.24
KOTAK MAHINDRA BANK LTD. Price 1351.65 1382.45 1241.0 1334.25 1387.6
Gain / Loss % -0.32 -2.23 8.92 1.3 -2.59
LAKSHMI VILAS BANK LTD. Price 21.1 22.56 16.86 14.11 13.25
Gain / Loss % 0.48 -6.47 25.15 49.54 59.25
PUNJAB & SIND BANK Price 14.1 16.42 15.78 17.23 15.4
Gain / Loss % 0.71 -14.13 -10.65 -18.17 -8.44
PUNJAB NATIONAL BANK Price 36.25 37.15 33.15 33.85 30.25
Gain / Loss % 0.69 -2.42 9.35 7.09 19.83
SOUTH INDIAN BANK LTD. Price 8.1 8.64 6.78 6.97 6.78
Gain / Loss % 15.71 -6.25 19.47 16.21 19.47
STATE BANK OF INDIA Price 185.45 185.25 173.0 187.8 174.85
Gain / Loss % 0.79 0.11 7.2 -1.25 6.06
UCO BANK Price 14.7 13.97 12.86 13.55 12.38
Gain / Loss % -2 5.23 14.31 8.49 18.74
UNION BANK OF INDIA Price 32.4 33.3 29.0 29.35 27.9
Gain / Loss % 1.25 -2.7 11.72 10.39 16.13
YES BANK LTD. Price 26.3 27.0 27.65 30.45 27.95
Gain / Loss % 1.15 -2.59 -4.88 -13.63 -5.9

Technical Indicators

Simple Moving Average
5 Days 79.14
10 Days 79.48
15 Days 77.28
25 Days 73.03
30 Days 71.43
Exponential Moving Average
5 Days 79.32
10 Days 78.39
12 Days 77.88
20 Days 76.25

MACD
12 Day EMA 77.88
26 Day EMA 75.99
MACD 1.89
Signal Line 1.11
Other Technical Indicators
Non - Smoothed RSI 66.51
Smoothed RSI 65.79
ROC 12.1
William %R -44.12
Upper Bollinger Band 85.49
Lower Bollinger Band 65.43
Middle Bollinger Band 75.46

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