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ChangeYes 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
Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More
| YES BANK | UNION BANK | YES BANK/ UNION BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 20.3 | 15.1 | 134.0% | View Chart |
| P/BV | x | 3.3 | 0.4 | 919.3% | View Chart |
| Dividend Yield | % | 0.7 | 1.5 | 46.4% |
 YES BANK  UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| YES BANK Mar-17 |
UNION BANK Mar-16 |
YES BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 1,558 | 223 | 700.2% | |
| Low | Rs | 827 | 104 | 794.1% | |
| Income per share (Unadj.) | Rs | 359.8 | 470.1 | 76.5% | |
| Earnings per share (Unadj.) | Rs | 73.2 | 19.7 | 370.7% | |
| Cash flow per share (Unadj.) | Rs | 184.6 | 67.4 | 273.9% | |
| Dividends per share (Unadj.) | Rs | 12.00 | 1.95 | 615.4% | |
| Avg Dividend yield | % | 1.0 | 1.2 | 84.3% | |
| Book value per share (Unadj.) | Rs | 482.8 | 335.3 | 144.0% | |
| Shares outstanding (eoy) | m | 456.49 | 687.44 | 66.4% | |
| Bonus/Rights/Conversions | ESOP | PI | - | ||
| Avg Price / Income ratio | x | 3.3 | 0.3 | 953.9% | |
| Avg P/E ratio | x | 16.3 | 8.3 | 197.0% | |
| Avg P/CF ratio | x | 13.2 | 2.1 | 612.8% | |
| Avg Price/Bookvalue ratio | x | 2.5 | 0.5 | 507.0% | |
| Dividend payout | % | 16.4 | 9.9 | 166.0% | |
| Avg Mkt Cap | Rs m | 544,273 | 112,259 | 484.8% | |
| No. of employees | `000 | 20.1 | 35.5 | 56.7% | |
| Total wages & salary | Rs m | 18,402 | 37,681 | 48.8% | |
| Avg. income/employee | Rs Th | 8,161.5 | 9,109.9 | 89.6% | |
| Avg. wages/employee | Rs Th | 914.4 | 1,062.2 | 86.1% | |
| Avg. net profit/employee | Rs Th | 1,659.6 | 382.5 | 433.9% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 164,250 | 323,157 | 50.8% | |
| Other income | Rs m | 42,178 | 393,443 | 10.7% | |
| Interest expense | Rs m | 106,265 | 238,940 | 44.5% | |
| Net interest income | Rs m | 57,985 | 84,216 | 68.9% | |
| Operating expense | Rs m | 41,686 | 67,159 | 62.1% | |
| Gross profit | Rs m | 16,299 | 17,057 | 95.6% | |
| Gross profit margin | % | 9.9 | 5.3 | 188.0% | |
| Provisions/contingencies | Rs m | 7,938 | 38,682 | 20.5% | |
| Profit before tax | Rs m | 50,539 | 17,769 | 284.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 90 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 17,140 | 4,291 | 399.4% | |
| Profit after tax | Rs m | 33,399 | 13,569 | 246.1% | |
| Net profit margin | % | 20.3 | 4.2 | 484.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,322,627 | 2,682,496 | 49.3% | |
| Deposits | Rs m | 1,428,574 | 3,441,175 | 41.5% | |
| Credit/Deposit ratio | x | 92.6 | 78.0 | 118.8% | |
| Yield on advances | % | 9.2 | 8.8 | 104.6% | |
| Cost of deposits | % | 5.7 | 6.4 | 89.5% | |
| Net Interest Margin | % | 2.9 | 2.2 | 132.5% | |
| Net fixed assets | Rs m | 6,868 | 39,519 | 17.4% | |
| Share capital | Rs m | 4,565 | 6,874 | 66.4% | |
| Free reserves | Rs m | 177,869 | 200,761 | 88.6% | |
| Net worth | Rs m | 220,396 | 230,481 | 95.6% | |
| Borrowings | Rs m | 386,067 | 306,366 | 126.0% | |
| Investments | Rs m | 499,818 | 905,732 | 55.2% | |
| Total assets | Rs m | 2,150,597 | 4,073,646 | 52.8% | |
| Debt/equity ratio | x | 8.2 | 16.3 | 50.6% | |
| Return on assets | % | 1.6 | 0.3 | 466.3% | |
| Return on equity | % | 15.2 | 5.9 | 257.4% | |
| Capital adequacy ratio | % | 17.0 | 11.1 | 152.6% | |
| Net NPAs | % | 0.8 | 5.3 | 15.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 43,841 | 82,741 | 53.0% | |
| From Investments | Rs m | -44,739 | -8,718 | 513.2% | |
| From Financial Activity | Rs m | 114,292 | -3,886 | -2,941.5% | |
| Net Cashflow | Rs m | 113,395 | 70,138 | 161.7% | |
| Indian Promoters | % | 22.1 | 60.1 | 36.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 20.7 | 16.6 | 124.7% | |
| FIIs | % | 45.1 | 8.5 | 530.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 12.2 | 14.8 | 82.4% | |
| Shareholders | 172,309 | 235,817 | 73.1% | ||
| Pledged promoter(s) holding | % | 3.6 | 0.0 | - |
Compare YES BANK With: CITY UNION BANK DHANLAXMI BANK ING VYSYA BANK INDIAN OVERSEAS BANK INDUSIND BANK
Compare YES BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Indian share markets continued to trade just above the dotted line in the afternoon session in a lackluster day of trading. At the closing bell, the BSE Sensex closed higher by 33 points.
State Bank of India (SBI) continues to battle sliding asset quality and sluggish credit growth.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
Asset quality will be the key thing to watch out for going forward.
Almost 74% of the watchlist as provided by the bank of Rs 226 billion in FY16 has turned into non-performing assets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
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The India VIX is up 36% in the last week. Fear has gone up but is still low by historical standards.
Bitcoin hits an all-time high, is there more upside left?
Ensure your financial Independence, and pledge to start the journey towards financial freedom today!
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