- Savings Accounts
- Fixed Deposits
- NRI Accounts
- Personal Loans
- Home Loans
- Insurance
Major Business Segments of DCB Bank
- Retail
- Micro Small and Medium Enterprises (SME)
- Mid-Corporate
- Agriculture
- Commodities
- Government
- Public Sector
- Indian Banks
- Co-operative Banks
- Non-Banking Finance Companies (NBFCs)
Logo of DCB Bank:
Brief History of DCB Bank
1930: Ismailia Co-operative Bank Limited and the Masalawala Co-operative Bank were merged and were named as development cooperative bank.1995: The bank converted itself into a scheduled commercial bank and opened new branches.2011: The Bank inaugurated a mega branch at Mandvi, Surat District, Gujarat.2016: DCB launched Aadhaar enabled ATM in BengaluruKey Personnel’s at DCB Bank
Chairman: Mr. Naseer MunjeeManaging Director and CEO: Mr. Murli M NatarajanIndependent Directors: Mr Ashok Bhatt, Mr. Rafiq Somani, Mr. Iqbal Ishaq Khan, Ms. Rupa Devi Singh, Mr. Shaffiq Dharamshi, Mr. Amyn Jassani, Mr. Shabbir Merchant, Mr. Somasundaram.Facts about DCB Bank
- The banks retails deposits grew by 19% in FY 2021 as compared to FY 2020.
- NPA was 1.16% on 31 March 2020 and 2.29 % on March 2021.
| JUN 2021 | SEP 2021 | DEC 2021 | MAR 2022 | |
| Promoters | 14.88 | 14.87 | 14.87 | 14.86 |
| FIIs | 12.15 | 10.86 | 9.24 | 8.82 |
| DIIs | 38.54 | 38.33 | 39.61 | 38.7 |
| Government | 0 | 0 | 0 | 0 |
| Public | 34.44 | 35.94 | 36.27 | 37.63 |
Mutual Fund Holdings of DCB Bank
| Schemes | Quantity | As on | Prev. Qty | Change (Qty) |
| HDFC small cap fund - regular plan - growth option | 9,577 | 31-03-2022 | 10,060 | -483 |
| DSP small cap fund - regular plan - growth | 9,362 | 31-03-2022 | 9,834 | -472 |
| Franklin India smaller companies fund-growth | 7,252 | 31-03-2022 | 7,618 | -366 |
| Tata small cap fund regular plan growth | 6,765 | 31-03-2022 | 6,658 | +107 |
| ICICI prudential banking and financial services fund - growth | 3,503 | 31-03-2022 | 3,680 | -177 |
| Nippon India retirement fund - wealth creation scheme - growth plan - growth- insured | 3,366 | 31-03-2022 | 3,536 | -170 |
| ICICI prudential multicap fund - growth | 2,567 | 31-03-2022 | 2,697 | -130 |
| Aditya Birla sun life midcap fund - growth | 2,066 | 31-03-2022 | 2,170 | -104 |
| ICICI prudential smallcap fund - growth | 2,048 | 31-03-2022 | 2,151 | -103 |
| Canara Robeco small cap fund regular growth | 1,804 | 31-03-2022 | 1,895 | -91 |
Balance Sheet of DCB Bank
(Rs in Cr.)| Mar 2019 | Mar 2020 | Mar 2021 | |
| Share Capital | 310 | 310 | 311 |
| Reserves | 2,805 | 3,111 | 3,447 |
| Borrowings | 31,158 | 33,778 | 34,186 |
| Other Liabilities | 1,519 | 1,306 | 1,658 |
| Total Liabilities | 35,792 | 38,505 | 39,602 |
| Fixed Assets | 526 | 546 | 569 |
| Cwip | 0 | 0 | 0 |
| Investments | 7,844 | 7,742 | 8,414 |
| Other Assets | 27,422 | 30,218 | 30,620 |
| Total Assets | 35,792 | 38,505 | 39,602 |
| Inventories | 0 | 0 | 0 |
| Trade Receivables | 0 | 0 | 0 |
| Cash & Bank | 2,793 | 3,546 | 3,039 |
| Loans and Advances | 1,096 | 1,360 | 1,664 |
| Trade Payables | 0 | 0 | 0 |
Important Ratios of DCB Bank:
| Market Cap (Cr): Rs 2,501 | Face Value: Rs 10 | EPS: Rs 8.11 |
| Book Value: Rs | ROCE (%): 6.99 | Debt to Equity: 9.10 |
| Stock PE: 9.91 | ROE (%): 9.36 | Dividend Yield (%): 0.00 |
| Total Debt (Cr): Rs 34,186 |
Samco’s Rating for DCB Bank: 3 out of 5 Stars ✰✰✰
Margin of Safety
It is the difference between the intrinsic value and the current value of a share.- If the current share price of a stock is lower than the intrinsic value, then the stock will have a high margin of safety.
- If the current share price of a stock is higher than the intrinsic value, then the stock will have a low margin of safety.
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