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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 | -1.1 | -0.7 | - | View Chart |
| P/BV | x | 0.2 | 0.1 | 233.5% | View Chart |
| Dividend Yield | % | 0.0 | 0.0 | - |
Financials
 YES BANK  UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| YES BANK Mar-20 |
UNION BANK Mar-19 |
YES BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 286 | 106 | 270.2% | |
| Low | Rs | 6 | 61 | 9.1% | |
| Income per share (Unadj.) | Rs | 20.8 | 194.6 | 10.7% | |
| Earnings per share (Unadj.) | Rs | -13.1 | -16.6 | 79.0% | |
| Cash flow per share (Unadj.) | Rs | -37.2 | -42.9 | 86.7% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 17.3 | 151.6 | 11.4% | |
| Shares outstanding (eoy) | m | 12,550.47 | 1,763.02 | 711.9% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 7.0 | 0.4 | 1,634.7% | |
| Avg P/E ratio | x | -11.1 | -5.0 | 220.7% | |
| Avg P/CF ratio | x | 11.2 | 1.7 | 654.9% | |
| Avg Price/Bookvalue ratio | x | 8.4 | 0.6 | 1,529.2% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 1,829,231 | 147,388 | 1,241.1% | |
| No. of employees | `000 | 23.0 | 37.3 | 61.7% | |
| Total wages & salary | Rs m | 26,913 | 32,372 | 83.1% | |
| Avg. income/employee | Rs Th | 11,340.3 | 9,208.8 | 123.1% | |
| Avg. wages/employee | Rs Th | 1,171.5 | 868.8 | 134.8% | |
| Avg. net profit/employee | Rs Th | -7,153.0 | -784.3 | 912.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 260,520 | 343,137 | 75.9% | |
| Other income | Rs m | 119,561 | 50,417 | 237.1% | |
| Interest expense | Rs m | 192,581 | 238,961 | 80.6% | |
| Net interest income | Rs m | 67,940 | 104,176 | 65.2% | |
| Operating expense | Rs m | 68,702 | 78,562 | 87.4% | |
| Gross profit | Rs m | -762 | 25,614 | -3.0% | |
| Gross profit margin | % | -0.3 | 7.5 | -3.9% | |
| Provisions/contingencies | Rs m | 327,181 | 115,157 | 284.1% | |
| Profit before tax | Rs m | -208,382 | -39,016 | 534.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -44,056 | -9,792 | 449.9% | |
| Profit after tax | Rs m | -164,326 | -29,224 | 562.3% | |
| Net profit margin | % | -63.1 | -8.5 | 740.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,714,331 | 2,987,801 | 57.4% | |
| Deposits | Rs m | 1,053,112 | 4,175,048 | 25.2% | |
| Credit/Deposit ratio | x | 162.8 | 71.6 | 227.5% | |
| Yield on advances | % | 12.4 | 8.0 | 155.1% | |
| Cost of deposits | % | 11.4 | 5.3 | 215.3% | |
| Net Interest Margin | % | 3.0 | 2.2 | 137.2% | |
| Net fixed assets | Rs m | 10,234 | 37,745 | 27.1% | |
| Share capital | Rs m | 25,101 | 17,630 | 142.4% | |
| Free reserves | Rs m | 191,849 | 249,686 | 76.8% | |
| Net worth | Rs m | 216,950 | 267,317 | 81.2% | |
| Borrowings | Rs m | 1,137,905 | 432,756 | 262.9% | |
| Investments | Rs m | 437,478 | 1,283,912 | 34.1% | |
| Total assets | Rs m | 2,578,322 | 4,985,805 | 51.7% | |
| Debt/equity ratio | x | 10.1 | 17.2 | 58.6% | |
| Return on assets | % | -6.4 | -0.6 | 1,087.4% | |
| Return on equity | % | -75.7 | -10.9 | 692.9% | |
| Capital adequacy ratio | % | 8.5 | 11.8 | 72.2% | |
| Net NPAs | % | 5.0 | 6.9 | 73.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -577,212 | -77,784 | 742.1% | |
| From Investments | Rs m | 141,919 | -2,971 | -4,776.7% | |
| From Financial Activity | Rs m | 250,383 | 17,582 | 1,424.1% | |
| Net Cashflow | Rs m | -185,546 | -63,173 | 293.7% | |
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: RBL BANK KARUR VYSYA BANK ANDHRA BANK FEDERAL BANK DCB BANK
Compare YES BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
Today's Market
Sensex Trades Over 500 Points Lower; Dow Futures Down by 77 Points(12:30 pm)
Share markets in India are presently trading on a negative note. The BSE Sensex is trading down by 553 points, down 1.1% at 47,794 levels.
Related Views on News
YES BANK Announces Quarterly Results (3QFY21); Net Profit Up 100.8% (Quarterly Result Update)
Jan 25, 2021 | Updated on Jan 25, 2021For the quarter ended December 2020, YES BANK has posted a net profit of Rs 2 bn (up 100.8% YoY). Sales on the other hand came in at Rs 53 bn (down 5.7% YoY). Read on for a complete analysis of YES BANK's quarterly results.
YES BANK Announces Quarterly Results (2QFY21); Net Profit Up 121.6% (Quarterly Result Update)
Nov 4, 2020 | Updated on Nov 4, 2020For the quarter ended September 2020, YES BANK has posted a net profit of Rs 1 bn (up 121.6% YoY). Sales on the other hand came in at Rs 52 bn (down 29.0% YoY). Read on for a complete analysis of YES BANK's quarterly results.
How the YES Bank Collapse Unfolded - 10 Points (Sector Info)
Mar 9, 2020A timeline of how YES Bank went from a stock market darling to a pariah.
Today's Stock Market Crash: 10 Points (Sector Info)
Mar 6, 2020Top factors that dragged the markets lower today.
YES BANK Announces Quarterly Results (1QFY21); Net Profit Down 60.1% (Quarterly Result Update)
Aug 26, 2020 | Updated on Aug 26, 2020For the quarter ended June 2020, YES BANK has posted a net profit of Rs 454 m (down 60.1% YoY). Sales on the other hand came in at Rs 55 bn (down 29.8% YoY). Read on for a complete analysis of YES BANK's quarterly results.
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