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Compare Yes Bank with PNB - Equitymaster

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YES BANK vs PNB - 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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    YES BANK PNB YES BANK/
PNB
 
P/E (TTM) x 18.1 -1.2 - View Chart
P/BV x 3.0 0.3 866.7% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 YES BANK   PNB
EQUITY SHARE DATA
    YES BANK
Mar-18
PNB
Mar-17
YES BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs1,886159 1,183.2%   
Low Rs28572 395.8%   
Income per share (Unadj.) Rs440.1225.8 194.9%  
Earnings per share (Unadj.) Rs91.74.0 2,298.5%  
Cash flow per share (Unadj.) Rs215.2-17.4 -1,235.7%  
Dividends per share (Unadj.) Rs2.700-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs559.2202.8 275.7%  
Shares outstanding (eoy) m460.592,127.97 21.6%   
Bonus/Rights/Conversions ESOPOI-  
Avg Price / Income ratio x2.50.5 481.5%   
Avg P/E ratio x11.829.0 40.8%  
Avg P/CF ratio x8.61.6 546.9%  
Avg Price/Bookvalue ratio x1.90.6 340.3%  
Dividend payout %2.90-   
Avg Mkt Cap Rs m499,970246,206 203.1%   
No. of employees `00018.273.9 24.7%   
Total wages & salary Rs m21,88954,823 39.9%   
Avg. income/employee Rs Th11,113.46,501.5 170.9%   
Avg. wages/employee Rs Th1,200.2741.7 161.8%   
Avg. net profit/employee Rs Th2,316.4114.9 2,016.4%   
INCOME DATA
Interest income Rs m202,686480,581 42.2%  
Other income Rs m52,93291,676 57.7%   
Interest expense Rs m125,294327,223 38.3%   
Net interest income Rs m77,392153,358 50.5%  
Operating expense Rs m52,73595,236 55.4%   
Gross profit Rs m24,65658,122 42.4%  
Gross profit margin %12.212.1 100.6%  
Provisions/contingencies Rs m15,558147,176 10.6%   
Profit before tax Rs m61,94315,401 402.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m19,6986,390 308.3%   
Profit after tax Rs m42,2468,492 497.5%  
Net profit margin %20.81.8 1,179.6%  
BALANCE SHEET DATA
Advances Rs m2,035,3394,242,305 48.0%   
Deposits Rs m2,007,3826,296,509 31.9%  
Credit/Deposit ratio x101.467.4 150.5%  
Yield on advances %7.67.9 95.7%   
Cost of deposits %4.74.8 97.6%   
Net Interest Margin %2.62.2 120.3%  
Net fixed assets Rs m8,32462,978 13.2%   
Share capital Rs m4,6064,256 108.2%   
Free reserves Rs m252,977305,883 82.7%   
Net worth Rs m257,583431,649 59.7%   
Borrowings Rs m748,936433,360 172.8%   
Investments Rs m683,9891,915,272 35.7%   
Total assets Rs m3,124,4567,333,109 42.6%  
Debt/equity ratio x10.715.6 68.6%   
Return on assets %1.40.1 1,167.6%  
Return on equity %16.42.0 833.7%  
Capital adequacy ratio %18.412.4 148.5%  
Net NPAs %0.67.8 8.2%  
CASH FLOW
From Operations Rs m-218,777219,380 -99.7%  
From Investments Rs m-86,9191,588 -5,475.2%  
From Financial Activity Rs m357,479-97,671 -366.0%  
Net Cashflow Rs m51,849123,297 42.1%  

Share Holding

Indian Promoters % 22.1 58.9 37.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.7 18.7 110.7%  
FIIs % 45.1 17.2 262.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.2 5.3 230.2%  
Shareholders   172,309 215,441 80.0%  
Pledged promoter(s) holding % 3.6 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare YES BANK With:   ORIENTAL BANK  KARUR VYSYA BANK  UNION BANK  SBI  DCB BANK  

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



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