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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 20.7 -20.0 - View Chart
P/BV x 3.4 0.7 510.9% View Chart
Dividend Yield % 0.7 0.0 -  

Financials

 YES BANK   PNB
EQUITY SHARE DATA
    YES BANK
Mar-17
PNB
Mar-16
YES BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs1,558167 933.4%   
Low Rs82771 1,159.5%   
Income per share (Unadj.) Rs359.8258.7 139.1%  
Earnings per share (Unadj.) Rs73.2-19.6 -373.8%  
Cash flow per share (Unadj.) Rs184.6-60.5 -305.0%  
Dividends per share (Unadj.) Rs12.000-  
Avg Dividend yield %1.00-  
Book value per share (Unadj.) Rs482.8212.9 226.8%  
Shares outstanding (eoy) m456.491,963.60 23.2%   
Bonus/Rights/Conversions ESOPPI-  
Avg Price / Income ratio x3.30.5 719.9%   
Avg P/E ratio x16.3-6.1 -267.8%  
Avg P/CF ratio x13.21.8 727.4%  
Avg Price/Bookvalue ratio x2.50.6 441.4%  
Dividend payout %16.40-   
Avg Mkt Cap Rs m544,273233,865 232.7%   
No. of employees `00020.170.8 28.4%   
Total wages & salary Rs m18,40265,645 28.0%   
Avg. income/employee Rs Th8,161.57,175.6 113.7%   
Avg. wages/employee Rs Th914.4927.2 98.6%   
Avg. net profit/employee Rs Th1,659.6-542.8 -305.8%   
INCOME DATA
Interest income Rs m164,250508,039 32.3%  
Other income Rs m42,17869,766 60.5%   
Interest expense Rs m106,265343,306 31.0%   
Net interest income Rs m57,985164,733 35.2%  
Operating expense Rs m41,686103,499 40.3%   
Gross profit Rs m16,29961,234 26.6%  
Gross profit margin %9.912.1 82.3%  
Provisions/contingencies Rs m7,938167,633 4.7%   
Profit before tax Rs m50,539-52,931 -95.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m17,140-16,299 -105.2%   
Profit after tax Rs m33,399-38,430 -86.9%  
Net profit margin %20.3-7.6 -268.8%  
BALANCE SHEET DATA
Advances Rs m1,322,6274,460,830 29.6%   
Deposits Rs m1,428,5745,703,826 25.0%  
Credit/Deposit ratio x92.678.2 118.4%  
Yield on advances %9.28.4 110.4%   
Cost of deposits %5.75.4 107.0%   
Net Interest Margin %2.92.4 120.1%  
Net fixed assets Rs m6,86853,081 12.9%   
Share capital Rs m4,5653,927 116.2%   
Free reserves Rs m177,869295,310 60.2%   
Net worth Rs m220,396418,043 52.7%   
Borrowings Rs m386,067816,737 47.3%   
Investments Rs m499,8181,651,265 30.3%   
Total assets Rs m2,150,5977,127,930 30.2%  
Debt/equity ratio x8.215.6 52.8%   
Return on assets %1.6-0.5 -288.1%  
Return on equity %15.2-9.2 -164.8%  
Capital adequacy ratio %17.013.7 124.5%  
Net NPAs %0.88.6 9.4%  
CASH FLOW
From Operations Rs m43,841141,670 30.9%  
From Investments Rs m-44,739-13,515 331.0%  
From Financial Activity Rs m114,29259,747 191.3%  
Net Cashflow Rs m113,395187,902 60.3%  

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:   ICICI BANK  DENA BANK  ORIENTAL BANK  J&K BANK  BANK OF BARODA  

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



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