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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 9.2 -0.4 - View Chart
P/BV x 1.6 0.1 1,754.9% View Chart
Dividend Yield % 1.5 0.0 -  

Financials

 YES BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    YES BANK
Mar-18
UNITED BANK OF INDIA
Mar-18
YES BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs1,88623 8,271.9%   
Low Rs28511 2,714.3%   
Income per share (Unadj.) Rs440.127.8 1,582.6%  
Earnings per share (Unadj.) Rs91.7-4.8 -1,891.9%  
Cash flow per share (Unadj.) Rs215.2-14.1 -1,523.4%  
Dividends per share (Unadj.) Rs2.700-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs559.228.9 1,937.0%  
Shares outstanding (eoy) m460.592,999.99 15.4%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x2.50.6 411.9%   
Avg P/E ratio x11.8-3.4 -344.6%  
Avg P/CF ratio x8.62.0 436.1%  
Avg Price/Bookvalue ratio x1.90.6 336.6%  
Dividend payout %2.90-   
Avg Mkt Cap Rs m499,97049,950 1,000.9%   
No. of employees `00018.2NA-   
Total wages & salary Rs m21,88917,126 127.8%   
Avg. income/employee Rs Th11,113.4NM-  
Avg. wages/employee Rs Th1,200.2NM-  
Avg. net profit/employee Rs Th2,316.4N.A.-  
INCOME DATA
Interest income Rs m202,68683,416 243.0%  
Other income Rs m52,93222,146 239.0%   
Interest expense Rs m125,29468,488 182.9%   
Net interest income Rs m77,39214,929 518.4%  
Operating expense Rs m52,73526,834 196.5%   
Gross profit Rs m24,656-11,905 -207.1%  
Gross profit margin %12.2-14.3 -85.2%  
Provisions/contingencies Rs m15,55839,728 39.2%   
Profit before tax Rs m61,943-29,487 -210.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m19,698-14,942 -131.8%   
Profit after tax Rs m42,246-14,545 -290.5%  
Net profit margin %20.8-17.4 -119.5%  
BALANCE SHEET DATA
Advances Rs m2,035,339624,902 325.7%   
Deposits Rs m2,007,3821,293,264 155.2%  
Credit/Deposit ratio x101.448.3 209.8%  
Yield on advances %7.68.1 93.9%   
Cost of deposits %4.75.1 91.7%   
Net Interest Margin %2.61.1 232.6%  
Net fixed assets Rs m8,32412,931 64.4%   
Share capital Rs m4,60630,000 15.4%   
Free reserves Rs m252,97722,244 1,137.3%   
Net worth Rs m257,58386,616 297.4%   
Borrowings Rs m748,93633,061 2,265.3%   
Investments Rs m683,989504,018 135.7%   
Total assets Rs m3,124,4561,447,487 215.9%  
Debt/equity ratio x10.715.3 69.9%   
Return on assets %1.4-1.0 -134.6%  
Return on equity %16.4-16.8 -97.7%  
Capital adequacy ratio %18.412.6 145.8%  
Net NPAs %0.616.5 3.9%  
CASH FLOW
From Operations Rs m-218,77746,588 -469.6%  
From Investments Rs m-86,919-2,347 3,704.0%  
From Financial Activity Rs m357,47927,942 1,279.4%  
Net Cashflow Rs m51,84972,183 71.8%  

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:   CORPORATION BANK  BANK OF BARODA  KOTAK MAH. BANK  AXIS BANK  BANK OF INDIA  

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



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