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- YES BANK - UNION BANK
YES BANK vs UNION 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
UNION BANK 
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
Current Valuations
| YES BANK | UNION BANK | YES BANK/ UNION BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.4 | -1.1 | - | View Chart |
| P/BV | x | 0.4 | 0.1 | 292.9% | View Chart |
| Dividend Yield | % | 4.9 | 0.0 | - |
Financials
 YES BANK  UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| YES BANK Mar-19 |
UNION BANK Mar-19 |
YES BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 404 | 106 | 381.9% | |
| Low | Rs | 147 | 61 | 239.1% | |
| Income per share (Unadj.) | Rs | 639.8 | 194.6 | 328.7% | |
| Earnings per share (Unadj.) | Rs | 36.9 | -16.6 | -222.7% | |
| Cash flow per share (Unadj.) | Rs | 63.2 | -42.9 | -147.4% | |
| Dividends per share (Unadj.) | Rs | 2.00 | 0 | - | |
| Avg Dividend yield | % | 0.7 | 0 | - | |
| Book value per share (Unadj.) | Rs | 580.7 | 151.6 | 383.0% | |
| Shares outstanding (eoy) | m | 463.01 | 1,763.02 | 26.3% | |
| Bonus/Rights/Conversions | ESOP | - | - | ||
| Avg Price / Income ratio | x | 0.4 | 0.4 | 100.2% | |
| Avg P/E ratio | x | 7.5 | -5.0 | -147.9% | |
| Avg P/CF ratio | x | 1.7 | 1.7 | 99.3% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.6 | 86.0% | |
| Dividend payout | % | 5.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 127,513 | 147,388 | 86.5% | |
| No. of employees | `000 | 21.1 | 37.3 | 56.7% | |
| Total wages & salary | Rs m | 24,698 | 32,372 | 76.3% | |
| Avg. income/employee | Rs Th | 14,015.8 | 9,208.8 | 152.2% | |
| Avg. wages/employee | Rs Th | 1,168.5 | 868.8 | 134.5% | |
| Avg. net profit/employee | Rs Th | 808.7 | -784.3 | -103.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 296,238 | 343,137 | 86.3% | |
| Other income | Rs m | 46,755 | 50,417 | 92.7% | |
| Interest expense | Rs m | 198,113 | 238,961 | 82.9% | |
| Net interest income | Rs m | 98,125 | 104,176 | 94.2% | |
| Operating expense | Rs m | 63,614 | 78,562 | 81.0% | |
| Gross profit | Rs m | 34,511 | 25,614 | 134.7% | |
| Gross profit margin | % | 11.6 | 7.5 | 156.1% | |
| Provisions/contingencies | Rs m | 57,802 | 115,157 | 50.2% | |
| Profit before tax | Rs m | 23,463 | -39,016 | -60.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 6,371 | -9,792 | -65.1% | |
| Profit after tax | Rs m | 17,093 | -29,224 | -58.5% | |
| Net profit margin | % | 5.8 | -8.5 | -67.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,413,972 | 2,987,801 | 80.8% | |
| Deposits | Rs m | 2,275,579 | 4,175,048 | 54.5% | |
| Credit/Deposit ratio | x | 106.1 | 71.6 | 148.2% | |
| Yield on advances | % | 9.5 | 8.0 | 118.8% | |
| Cost of deposits | % | 6.0 | 5.3 | 113.6% | |
| Net Interest Margin | % | 2.7 | 2.2 | 123.8% | |
| Net fixed assets | Rs m | 8,299 | 37,745 | 22.0% | |
| Share capital | Rs m | 4,630 | 17,630 | 26.3% | |
| Free reserves | Rs m | 264,244 | 249,686 | 105.8% | |
| Net worth | Rs m | 268,874 | 267,317 | 100.6% | |
| Borrowings | Rs m | 1,084,241 | 432,756 | 250.5% | |
| Investments | Rs m | 893,285 | 1,283,912 | 69.6% | |
| Total assets | Rs m | 3,808,596 | 4,985,805 | 76.4% | |
| Debt/equity ratio | x | 12.5 | 17.2 | 72.5% | |
| Return on assets | % | 0.4 | -0.6 | -76.6% | |
| Return on equity | % | 6.4 | -10.9 | -58.2% | |
| Capital adequacy ratio | % | 16.5 | 11.8 | 140.1% | |
| Net NPAs | % | 1.9 | 6.9 | 27.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -245,733 | -77,784 | 315.9% | |
| From Investments | Rs m | -62,937 | -2,971 | 2,118.3% | |
| From Financial Activity | Rs m | 330,393 | 17,582 | 1,879.1% | |
| Net Cashflow | Rs m | 22,311 | -63,173 | -35.3% | |
Share Holding
| 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: KARUR VYSYA BANK PUNJAB & SIND BANK SYNDICATE BANK BANK OF INDIA SBI
Compare YES BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Today's Market
Sensex Ends 93 Points Higher; Oil & Gas and Realty Stocks Witness Buying(Closing)
Indian share markets traded on a volatile note throughout the day and ended marginally higher. Sectoral indices ended on a mixed note with stocks in the oil & gas sector.
Related Views on News
UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)
Aug 5, 2019 | Updated on Aug 5, 2019For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.
YES BANK Announces Quarterly Results (1QFY20); Net Profit Down 91.0% (Quarterly Result Update)
Jul 19, 2019 | Updated on Jul 19, 2019For the quarter ended June 2019, YES BANK has posted a net profit of Rs 1 bn (down 91.0% YoY). Sales on the other hand came in at Rs 78 bn (up 18.8% YoY). Read on for a complete analysis of YES BANK's quarterly results.
UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)
May 16, 2019 | Updated on May 16, 2019For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.
YES BANK Announces Quarterly Results (4QFY19); Net Profit Down 227.7% (Quarterly Result Update)
Apr 30, 2019 | Updated on Apr 30, 2019For the quarter ended March 2019, YES BANK has posted a net profit of Rs 15 bn (down 227.7% YoY). Sales on the other hand came in at Rs 79 bn (up 36.8% YoY). Read on for a complete analysis of YES BANK's quarterly results.
YES BANK Announces Quarterly Results (3QFY19); Net Profit Down 7.0% (Quarterly Result Update)
Jan 25, 2019 | Updated on Jan 25, 2019For the quarter ended December 2018, YES BANK has posted a net profit of Rs 10 bn (down 7.0% YoY). Sales on the other hand came in at Rs 80 bn (up 57.0% YoY). Read on for a complete analysis of YES BANK's quarterly results.
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Oct 16, 2019 (Close)
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