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Compare Yes Bank with City Union Bank - Equitymaster

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YES BANK vs CITY UNION BANK - Comparison Results

YES BANK    Change

Yes Bank, which received its greenfield banking license in May 2004, commenced its lending operations in October 2004. The bank had 356 branches and 600 ATMs at the end of FY12. The asset mix is expected to change from C&IB (65%), Business Banking (2... More

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    YES BANK CITY UNION BANK YES BANK/
CITY UNION BANK
 
P/E (TTM) x 18.1 19.4 93.0% View Chart
P/BV x 3.5 3.1 111.9% View Chart
Dividend Yield % 3.6 0.2 2,220.7%  

Financials

 YES BANK   CITY UNION BANK
EQUITY SHARE DATA
    YES BANK
Mar-17
CITY UNION BANK
Mar-17
YES BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs1,558169 924.6%   
Low Rs82793 888.9%   
Income per share (Unadj.) Rs359.852.8 681.4%  
Earnings per share (Unadj.) Rs73.28.4 874.7%  
Cash flow per share (Unadj.) Rs184.618.0 1,026.9%  
Dividends per share (Unadj.) Rs12.000.30 4,000.0%  
Avg Dividend yield %1.00.2 438.6%  
Book value per share (Unadj.) Rs482.859.4 812.8%  
Shares outstanding (eoy) m456.49601.06 75.9%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x3.32.5 133.8%   
Avg P/E ratio x16.315.6 104.3%  
Avg P/CF ratio x13.29.8 134.7%  
Avg Price/Bookvalue ratio x2.52.2 112.2%  
Dividend payout %16.43.6 457.3%   
Avg Mkt Cap Rs m544,27378,589 692.6%   
No. of employees `00020.14.7 429.2%   
Total wages & salary Rs m18,4022,981 617.2%   
Avg. income/employee Rs Th8,161.56,768.6 120.6%   
Avg. wages/employee Rs Th914.4635.8 143.8%   
Avg. net profit/employee Rs Th1,659.61,072.2 154.8%   
INCOME DATA
Interest income Rs m164,25031,738 517.5%  
Other income Rs m42,1784,840 871.5%   
Interest expense Rs m106,26519,750 538.0%   
Net interest income Rs m57,98511,988 483.7%  
Operating expense Rs m41,6866,890 605.0%   
Gross profit Rs m16,2995,098 319.7%  
Gross profit margin %9.916.1 61.8%  
Provisions/contingencies Rs m7,9383,010 263.7%   
Profit before tax Rs m50,5396,928 729.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m17,1401,900 902.1%   
Profit after tax Rs m33,3995,028 664.3%  
Net profit margin %20.315.8 128.4%  
BALANCE SHEET DATA
Advances Rs m1,322,627238,327 555.0%   
Deposits Rs m1,428,574301,157 474.4%  
Credit/Deposit ratio x92.679.1 117.0%  
Yield on advances %9.210.9 84.9%   
Cost of deposits %5.76.4 89.1%   
Net Interest Margin %2.93.6 80.9%  
Net fixed assets Rs m6,8682,151 319.3%   
Share capital Rs m4,565601 759.4%   
Free reserves Rs m177,86922,455 792.1%   
Net worth Rs m220,39635,702 617.3%   
Borrowings Rs m386,0675,310 7,270.6%   
Investments Rs m499,81870,315 710.8%   
Total assets Rs m2,150,597352,708 609.7%  
Debt/equity ratio x8.28.6 95.9%   
Return on assets %1.61.4 108.9%  
Return on equity %15.214.1 107.6%  
Capital adequacy ratio %17.015.8 107.4%  
Net NPAs %0.81.7 47.4%  
CASH FLOW
From Operations Rs m43,8412,836 1,545.8%  
From Investments Rs m-44,739-503 8,890.8%  
From Financial Activity Rs m114,292-44 -260,940.9%  
Net Cashflow Rs m113,3952,289 4,953.7%  

Share Holding

Indian Promoters % 22.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.7 10.2 202.9%  
FIIs % 45.1 33.4 135.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.2 56.0 21.8%  
Shareholders   172,309 82,699 208.4%  
Pledged promoter(s) holding % 3.6 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare YES BANK With:   INDIAN OVERSEAS BANK  AXIS BANK  BANK OF BARODA  UNION BANK  J&K BANK  

Compare YES BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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