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Compare Yes Bank with United Bank of India - Equitymaster
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YES BANK vs UNITED BANK OF INDIA - 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

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Current Valuations

    YES BANK UNITED BANK OF INDIA YES BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 21.8 -0.7 - View Chart
P/BV x 3.7 0.2 1,690.6% View Chart
Dividend Yield % 3.3 0.0 -  

Financials

 YES BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    YES BANK
Mar-17
UNITED BANK OF INDIA
Mar-16
YES BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs1,55832 4,914.5%   
Low Rs82717 4,920.8%   
Income per share (Unadj.) Rs359.8118.4 304.0%  
Earnings per share (Unadj.) Rs73.2-3.4 -2,178.4%  
Cash flow per share (Unadj.) Rs184.6-15.5 -1,194.8%  
Dividends per share (Unadj.) Rs12.000-  
Avg Dividend yield %1.00-  
Book value per share (Unadj.) Rs482.869.6 694.1%  
Shares outstanding (eoy) m456.49839.51 54.4%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x3.30.2 1,617.4%   
Avg P/E ratio x16.3-7.2 -225.7%  
Avg P/CF ratio x13.20.9 1,449.3%  
Avg Price/Bookvalue ratio x2.50.3 708.3%  
Dividend payout %16.40-   
Avg Mkt Cap Rs m544,27320,358 2,673.5%   
No. of employees `00020.115.0 134.3%   
Total wages & salary Rs m18,40210,974 167.7%   
Avg. income/employee Rs Th8,161.56,632.8 123.0%   
Avg. wages/employee Rs Th914.4732.5 124.8%   
Avg. net profit/employee Rs Th1,659.6-188.2 -881.8%   
INCOME DATA
Interest income Rs m164,25099,367 165.3%  
Other income Rs m42,17814,675 287.4%   
Interest expense Rs m106,26576,561 138.8%   
Net interest income Rs m57,98522,806 254.3%  
Operating expense Rs m41,68619,363 215.3%   
Gross profit Rs m16,2993,443 473.4%  
Gross profit margin %9.93.5 286.4%  
Provisions/contingencies Rs m7,93825,228 31.5%   
Profit before tax Rs m50,539-7,110 -710.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m17,140-4,290 -399.5%   
Profit after tax Rs m33,399-2,820 -1,184.5%  
Net profit margin %20.3-2.8 -716.6%  
BALANCE SHEET DATA
Advances Rs m1,322,627680,602 194.3%   
Deposits Rs m1,428,5741,164,013 122.7%  
Credit/Deposit ratio x92.658.5 158.3%  
Yield on advances %9.29.7 94.8%   
Cost of deposits %5.76.2 93.0%   
Net Interest Margin %2.91.9 152.6%  
Net fixed assets Rs m6,86812,109 56.7%   
Share capital Rs m4,5658,395 54.4%   
Free reserves Rs m177,86917,690 1,005.5%   
Net worth Rs m220,39658,392 377.4%   
Borrowings Rs m386,06729,125 1,325.5%   
Investments Rs m499,818447,234 111.8%   
Total assets Rs m2,150,5971,294,318 166.2%  
Debt/equity ratio x8.220.4 40.3%   
Return on assets %1.6-0.2 -712.9%  
Return on equity %15.2-4.8 -313.8%  
Capital adequacy ratio %17.010.5 162.5%  
Net NPAs %0.89.0 9.0%  
CASH FLOW
From Operations Rs m43,84124,276 180.6%  
From Investments Rs m-44,739-896 4,991.5%  
From Financial Activity Rs m114,292-429 -26,672.6%  
Net Cashflow Rs m113,39522,951 494.1%  

Share Holding

Indian Promoters % 22.1 88.0 25.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.7 5.2 398.1%  
FIIs % 45.1 0.3 15,033.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.2 6.5 187.7%  
Shareholders   172,309 78,272 220.1%  
Pledged promoter(s) holding % 3.6 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare YES BANK With:   FEDERAL BANK  KARUR VYSYA BANK  UNION BANK  HDFC BANK  DCB BANK  

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



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