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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 18.0 -1.1 - View Chart
P/BV x 3.0 0.2 1,302.9% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 YES BANK   UNION BANK
EQUITY SHARE DATA
    YES BANK
Mar-18
UNION BANK
Mar-18
YES BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs1,886205 920.0%   
Low Rs28586 331.4%   
Income per share (Unadj.) Rs440.1282.0 156.1%  
Earnings per share (Unadj.) Rs91.7-44.6 -205.6%  
Cash flow per share (Unadj.) Rs215.2-115.2 -186.8%  
Dividends per share (Unadj.) Rs2.700-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs559.2216.1 258.8%  
Shares outstanding (eoy) m460.591,168.57 39.4%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x2.50.5 478.1%   
Avg P/E ratio x11.8-3.3 -362.8%  
Avg P/CF ratio x8.61.9 457.5%  
Avg Price/Bookvalue ratio x1.90.7 288.3%  
Dividend payout %2.90-   
Avg Mkt Cap Rs m499,970170,027 294.1%   
No. of employees `00018.237.6 48.5%   
Total wages & salary Rs m21,88933,322 65.7%   
Avg. income/employee Rs Th11,113.48,766.7 126.8%   
Avg. wages/employee Rs Th1,200.2886.5 135.4%   
Avg. net profit/employee Rs Th2,316.4-1,386.8 -167.0%   
INCOME DATA
Interest income Rs m202,686329,516 61.5%  
Other income Rs m52,93254,621 96.9%   
Interest expense Rs m125,294234,709 53.4%   
Net interest income Rs m77,39294,807 81.6%  
Operating expense Rs m52,73573,508 71.7%   
Gross profit Rs m24,65621,298 115.8%  
Gross profit margin %12.26.5 188.2%  
Provisions/contingencies Rs m15,558142,063 11.0%   
Profit before tax Rs m61,943-66,062 -93.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m19,698-13,938 -141.3%   
Profit after tax Rs m42,246-52,125 -81.0%  
Net profit margin %20.8-15.8 -131.8%  
BALANCE SHEET DATA
Advances Rs m2,035,3392,905,715 70.0%   
Deposits Rs m2,007,3824,102,884 48.9%  
Credit/Deposit ratio x101.470.8 143.2%  
Yield on advances %7.67.9 96.7%   
Cost of deposits %4.75.3 88.9%   
Net Interest Margin %2.62.0 128.1%  
Net fixed assets Rs m8,32438,461 21.6%   
Share capital Rs m4,60611,686 39.4%   
Free reserves Rs m252,977228,925 110.5%   
Net worth Rs m257,583252,518 102.0%   
Borrowings Rs m748,936456,804 164.0%   
Investments Rs m683,9891,255,107 54.5%   
Total assets Rs m3,124,4564,911,464 63.6%  
Debt/equity ratio x10.718.1 59.3%   
Return on assets %1.4-1.1 -127.4%  
Return on equity %16.4-20.6 -79.5%  
Capital adequacy ratio %18.411.5 160.0%  
Net NPAs %0.68.4 7.6%  
CASH FLOW
From Operations Rs m-218,77760,893 -359.3%  
From Investments Rs m-86,919-3,068 2,833.5%  
From Financial Activity Rs m357,479107,919 331.2%  
Net Cashflow Rs m51,849165,744 31.3%  

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

Compare YES BANK With:   PUNJAB & SIND BANK  ALLAHABAD BANK  CITY UNION BANK  KARUR VYSYA BANK  ANDHRA BANK  

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



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