What is the full form of DCB Bank? – DCB Bank Full Form

The full form of DCB Bank is Development Credit Bank. It was incorporated in 1930. It is a private sector bank with 400 branches (as on 10th April 2022). It is spread across 19 states and three union territories.

The shares of DCB bank is traded on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE).

It is well known for its cutting-edge technology. It also provides various banking facilities such as:

  • 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:

What is the full form 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 Bengaluru

Key Personnel’s at DCB Bank

Chairman: Mr. Naseer Munjee

Managing Director and CEO: Mr. Murli M Natarajan

Independent 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.

Shareholding Pattern at DCB Bank Ltd

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

*Data as on 4th May 2022

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

*Data as on 4th May 2022

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

*Data as on 4th May 2022

Recommended Read: How to Analyse a Balance Sheet of a Company

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

*Data as on 4th May 2022

Samco’s Rating for DCB Bank3 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.

DCB bank has a high margin of safety.

What is the full form of DCB Bank

Similar stocks to DCB Bank Ltd.

Company  Market Cap

(Rs. in Cr)

PE Ratio
City Union Bank Ltd 9,914 15
IndusInd Bank Ltd 78,870 16.4
HDFC Bank Ltd 778,841 20.5

*Data as on 4th May 2022

You can check the latest data on Samco’s stock page.

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