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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 19.7 4.9 403.4% View Chart
P/BV x 3.4 0.5 690.4% View Chart
Dividend Yield % 3.7 0.0 -  

Financials

 YES BANK   PNB
EQUITY SHARE DATA
    YES BANK
Mar-17
PNB
Mar-17
YES BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs1,558159 977.4%   
Low Rs82772 1,148.2%   
Income per share (Unadj.) Rs359.8225.8 159.3%  
Earnings per share (Unadj.) Rs73.24.0 1,833.5%  
Cash flow per share (Unadj.) Rs184.6-17.4 -1,060.2%  
Dividends per share (Unadj.) Rs12.000-  
Avg Dividend yield %1.00-  
Book value per share (Unadj.) Rs482.8202.8 238.0%  
Shares outstanding (eoy) m456.492,127.97 21.5%   
Bonus/Rights/Conversions ESOPOI-  
Avg Price / Income ratio x3.30.5 646.8%   
Avg P/E ratio x16.329.0 56.2%  
Avg P/CF ratio x13.21.6 832.5%  
Avg Price/Bookvalue ratio x2.50.6 433.0%  
Dividend payout %16.40-   
Avg Mkt Cap Rs m544,273246,206 221.1%   
No. of employees `00020.173.9 27.2%   
Total wages & salary Rs m18,40254,823 33.6%   
Avg. income/employee Rs Th8,161.56,501.5 125.5%   
Avg. wages/employee Rs Th914.4741.7 123.3%   
Avg. net profit/employee Rs Th1,659.6114.9 1,444.7%   
INCOME DATA
Interest income Rs m164,250480,581 34.2%  
Other income Rs m42,17891,676 46.0%   
Interest expense Rs m106,265327,223 32.5%   
Net interest income Rs m57,985153,358 37.8%  
Operating expense Rs m41,68695,236 43.8%   
Gross profit Rs m16,29958,122 28.0%  
Gross profit margin %9.912.1 82.0%  
Provisions/contingencies Rs m7,938147,176 5.4%   
Profit before tax Rs m50,53915,401 328.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m17,1406,390 268.2%   
Profit after tax Rs m33,3998,492 393.3%  
Net profit margin %20.31.8 1,150.8%  
BALANCE SHEET DATA
Advances Rs m1,322,6274,242,305 31.2%   
Deposits Rs m1,428,5746,296,509 22.7%  
Credit/Deposit ratio x92.667.4 137.4%  
Yield on advances %9.27.9 116.2%   
Cost of deposits %5.74.8 120.0%   
Net Interest Margin %2.92.2 132.5%  
Net fixed assets Rs m6,86862,978 10.9%   
Share capital Rs m4,5654,256 107.3%   
Free reserves Rs m177,869305,883 58.1%   
Net worth Rs m220,396431,649 51.1%   
Borrowings Rs m386,067433,360 89.1%   
Investments Rs m499,8181,915,272 26.1%   
Total assets Rs m2,150,5977,333,109 29.3%  
Debt/equity ratio x8.215.6 52.8%   
Return on assets %1.60.1 1,341.1%  
Return on equity %15.22.0 770.3%  
Capital adequacy ratio %17.012.4 137.2%  
Net NPAs %0.87.8 10.4%  
CASH FLOW
From Operations Rs m43,841219,380 20.0%  
From Investments Rs m-44,7391,588 -2,818.2%  
From Financial Activity Rs m114,292-97,671 -117.0%  
Net Cashflow Rs m113,395123,297 92.0%  

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:   ING VYSYA BANK  IDBI BANK  DCB BANK  ICICI BANK  SBI  

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



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