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Compare Yes Bank with Punjab & Sind Bank - Equitymaster
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YES BANK vs PUNJAB & SIND 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

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Current Valuations

    YES BANK PUNJAB & SIND BANK YES BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 20.3 5.8 352.0% View Chart
P/BV x 3.3 0.3 948.0% View Chart
Dividend Yield % 0.7 1.2 56.4%  

Financials

 YES BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    YES BANK
Mar-17
PUNJAB & SIND BANK
Mar-15
YES BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs1,55884 1,856.9%   
Low Rs82744 1,887.4%   
Income per share (Unadj.) Rs359.8214.5 167.7%  
Earnings per share (Unadj.) Rs73.23.0 2,414.2%  
Cash flow per share (Unadj.) Rs184.621.3 866.4%  
Dividends per share (Unadj.) Rs12.000.60 2,000.0%  
Avg Dividend yield %1.00.9 107.1%  
Book value per share (Unadj.) Rs482.8139.8 345.5%  
Shares outstanding (eoy) m456.49400.41 114.0%   
Bonus/Rights/Conversions ESOPPA-  
Avg Price / Income ratio x3.30.3 1,113.2%   
Avg P/E ratio x16.321.1 77.3%  
Avg P/CF ratio x13.23.4 385.6%  
Avg Price/Bookvalue ratio x2.50.5 540.6%  
Dividend payout %16.419.8 82.8%   
Avg Mkt Cap Rs m544,27325,566 2,128.9%   
No. of employees `00020.19.2 219.2%   
Total wages & salary Rs m18,4028,743 210.5%   
Avg. income/employee Rs Th8,161.59,355.7 87.2%   
Avg. wages/employee Rs Th914.4952.4 96.0%   
Avg. net profit/employee Rs Th1,659.6132.2 1,255.4%   
INCOME DATA
Interest income Rs m164,25085,886 191.2%  
Other income Rs m42,1784,288 983.7%   
Interest expense Rs m106,26569,094 153.8%   
Net interest income Rs m57,98516,792 345.3%  
Operating expense Rs m41,68613,325 312.8%   
Gross profit Rs m16,2993,467 470.1%  
Gross profit margin %9.94.0 245.8%  
Provisions/contingencies Rs m7,9386,273 126.5%   
Profit before tax Rs m50,5391,481 3,412.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m17,140268 6,402.8%   
Profit after tax Rs m33,3991,214 2,752.3%  
Net profit margin %20.31.4 1,439.2%  
BALANCE SHEET DATA
Advances Rs m1,322,627638,702 207.1%   
Deposits Rs m1,428,574867,147 164.7%  
Credit/Deposit ratio x92.673.7 125.7%  
Yield on advances %9.210.0 92.5%   
Cost of deposits %5.77.7 74.4%   
Net Interest Margin %2.91.8 162.3%  
Net fixed assets Rs m6,8689,948 69.0%   
Share capital Rs m4,5654,004 114.0%   
Free reserves Rs m177,86931,061 572.6%   
Net worth Rs m220,39655,962 393.8%   
Borrowings Rs m386,06730,482 1,266.5%   
Investments Rs m499,818267,517 186.8%   
Total assets Rs m2,150,597977,534 220.0%  
Debt/equity ratio x8.216.0 51.3%   
Return on assets %1.60.1 1,251.0%  
Return on equity %15.22.2 698.8%  
Capital adequacy ratio %17.011.2 151.2%  
Net NPAs %0.83.6 22.8%  
CASH FLOW
From Operations Rs m43,841-19,816 -221.2%  
From Investments Rs m-44,739-845 5,295.1%  
From Financial Activity Rs m114,292-392 -29,141.3%  
Net Cashflow Rs m113,395-21,053 -538.6%  

Share Holding

Indian Promoters % 22.1 79.6 27.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.7 10.8 191.7%  
FIIs % 45.1 1.8 2,505.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.2 7.8 156.4%  
Shareholders   172,309 150,895 114.2%  
Pledged promoter(s) holding % 3.6 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare YES BANK With:   ORIENTAL BANK  DCB BANK  ANDHRA BANK  SBI  KARNATAKA BANK  

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



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