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Compare Yes Bank with Union Bank - Equitymaster
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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 
   Change

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

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Current Valuations

    YES BANK UNION BANK YES BANK/
UNION BANK
 
P/E (TTM) x 19.2 -5.7 - View Chart
P/BV x 3.3 0.3 1,106.4% View Chart
Dividend Yield % 3.8 1.8 209.3%  

Financials

 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 Rs1,558223 700.2%   
Low Rs827104 794.1%   
Income per share (Unadj.) Rs359.8470.1 76.5%  
Earnings per share (Unadj.) Rs73.219.7 370.7%  
Cash flow per share (Unadj.) Rs184.667.4 273.9%  
Dividends per share (Unadj.) Rs12.001.95 615.4%  
Avg Dividend yield %1.01.2 84.3%  
Book value per share (Unadj.) Rs482.8335.3 144.0%  
Shares outstanding (eoy) m456.49687.44 66.4%   
Bonus/Rights/Conversions ESOPPI-  
Avg Price / Income ratio x3.30.3 953.9%   
Avg P/E ratio x16.38.3 197.0%  
Avg P/CF ratio x13.22.1 612.8%  
Avg Price/Bookvalue ratio x2.50.5 507.0%  
Dividend payout %16.49.9 166.0%   
Avg Mkt Cap Rs m544,273112,259 484.8%   
No. of employees `00020.135.5 56.7%   
Total wages & salary Rs m18,40237,681 48.8%   
Avg. income/employee Rs Th8,161.59,109.9 89.6%   
Avg. wages/employee Rs Th914.41,062.2 86.1%   
Avg. net profit/employee Rs Th1,659.6382.5 433.9%   
INCOME DATA
Interest income Rs m164,250323,157 50.8%  
Other income Rs m42,178393,443 10.7%   
Interest expense Rs m106,265238,940 44.5%   
Net interest income Rs m57,98584,216 68.9%  
Operating expense Rs m41,68667,159 62.1%   
Gross profit Rs m16,29917,057 95.6%  
Gross profit margin %9.95.3 188.0%  
Provisions/contingencies Rs m7,93838,682 20.5%   
Profit before tax Rs m50,53917,769 284.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m17,1404,291 399.4%   
Profit after tax Rs m33,39913,569 246.1%  
Net profit margin %20.34.2 484.3%  
BALANCE SHEET DATA
Advances Rs m1,322,6272,682,496 49.3%   
Deposits Rs m1,428,5743,441,175 41.5%  
Credit/Deposit ratio x92.678.0 118.8%  
Yield on advances %9.28.8 104.6%   
Cost of deposits %5.76.4 89.5%   
Net Interest Margin %2.92.2 132.5%  
Net fixed assets Rs m6,86839,519 17.4%   
Share capital Rs m4,5656,874 66.4%   
Free reserves Rs m177,869200,761 88.6%   
Net worth Rs m220,396230,481 95.6%   
Borrowings Rs m386,067306,366 126.0%   
Investments Rs m499,818905,732 55.2%   
Total assets Rs m2,150,5974,073,646 52.8%  
Debt/equity ratio x8.216.3 50.6%   
Return on assets %1.60.3 466.3%  
Return on equity %15.25.9 257.4%  
Capital adequacy ratio %17.011.1 152.6%  
Net NPAs %0.85.3 15.4%  
CASH FLOW
From Operations Rs m43,84182,741 53.0%  
From Investments Rs m-44,739-8,718 513.2%  
From Financial Activity Rs m114,292-3,886 -2,941.5%  
Net Cashflow Rs m113,39570,138 161.7%  

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare YES BANK With:   BANK OF BARODA  HDFC BANK  UNITED BANK OF INDIA  DHANLAXMI BANK  ING VYSYA BANK  

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



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