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Compare Yes Bank with J&K Bank - Equitymaster

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YES BANK vs J&K 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

J&K BANK 
   Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

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Current Valuations

    YES BANK J&K BANK YES BANK/
J&K BANK
 
P/E (TTM) x 18.1 6.2 293.6% View Chart
P/BV x 3.0 0.4 667.1% View Chart
Dividend Yield % 0.8 3.8 21.6%  

Financials

 YES BANK   J&K BANK
EQUITY SHARE DATA
    YES BANK
Mar-18
J&K BANK
Mar-15
YES BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs1,886119 1,586.2%   
Low Rs28595 300.0%   
Income per share (Unadj.) Rs440.11,456.5 30.2%  
Earnings per share (Unadj.) Rs91.7104.9 87.4%  
Cash flow per share (Unadj.) Rs215.2251.8 85.5%  
Dividends per share (Unadj.) Rs2.702.10 128.6%  
Avg Dividend yield %0.22.0 12.7%  
Book value per share (Unadj.) Rs559.21,260.0 44.4%  
Shares outstanding (eoy) m460.5948.48 950.1%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x2.50.1 3,359.3%   
Avg P/E ratio x11.81.0 1,160.6%  
Avg P/CF ratio x8.60.3 2,542.2%  
Avg Price/Bookvalue ratio x1.90.1 2,286.7%  
Dividend payout %2.92.0 147.0%   
Avg Mkt Cap Rs m499,9705,185 9,642.8%   
No. of employees `00018.21.0 1,899.8%   
Total wages & salary Rs m21,8898,976 243.9%   
Avg. income/employee Rs Th11,113.473,553.4 15.1%   
Avg. wages/employee Rs Th1,200.29,349.6 12.8%   
Avg. net profit/employee Rs Th2,316.45,296.7 43.7%   
INCOME DATA
Interest income Rs m202,68670,611 287.0%  
Other income Rs m52,9325,990 883.6%   
Interest expense Rs m125,29444,086 284.2%   
Net interest income Rs m77,39226,526 291.8%  
Operating expense Rs m52,73514,159 372.4%   
Gross profit Rs m24,65612,366 199.4%  
Gross profit margin %12.217.5 69.5%  
Provisions/contingencies Rs m15,55810,155 153.2%   
Profit before tax Rs m61,9438,202 755.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m19,6983,117 631.9%   
Profit after tax Rs m42,2465,085 830.8%  
Net profit margin %20.87.2 289.4%  
BALANCE SHEET DATA
Advances Rs m2,035,339445,858 456.5%   
Deposits Rs m2,007,382657,362 305.4%  
Credit/Deposit ratio x101.467.8 149.5%  
Yield on advances %7.611.6 65.7%   
Cost of deposits %4.76.4 73.1%   
Net Interest Margin %2.63.6 72.2%  
Net fixed assets Rs m8,3246,896 120.7%   
Share capital Rs m4,606485 949.9%   
Free reserves Rs m252,97739,499 640.5%   
Net worth Rs m257,58361,085 421.7%   
Borrowings Rs m748,93623,396 3,201.1%   
Investments Rs m683,989251,043 272.5%   
Total assets Rs m3,124,456760,645 410.8%  
Debt/equity ratio x10.711.1 96.0%   
Return on assets %1.40.7 202.3%  
Return on equity %16.48.3 197.0%  
Capital adequacy ratio %18.412.6 146.4%  
Net NPAs %0.62.8 23.1%  
CASH FLOW
From Operations Rs m-218,7771,181 -18,531.0%  
From Investments Rs m-86,919-2,609 3,331.1%  
From Financial Activity Rs m357,479-3,376 -10,589.5%  
Net Cashflow Rs m51,849-4,805 -1,079.2%  

Share Holding

Indian Promoters % 22.1 53.2 41.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.7 4.3 481.4%  
FIIs % 45.1 29.3 153.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.2 13.3 91.7%  
Shareholders   172,309 56,111 307.1%  
Pledged promoter(s) holding % 3.6 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare YES BANK With:   SBI  ORIENTAL BANK  PUNJAB & SIND BANK  DENA BANK  KOTAK MAH. BANK  

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



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