Table of Contents

Yes Bank Ltd

Updated on December 14, 2024

Stock/Share Code - YESBANK

YES BANK Limited is a private sector bank. The Bank is engaged in providing banking services, including corporate and institutional banking, financial markets, investment banking, corporate finance, branch banking, business and transaction banking, and wealth management.

Below is the details of YESBANK Yes Bank Ltd

Market Cap	₹35,954 Cr.
Current Price	₹15.2 as on 23 Mar 23
52 Week High / Low Price	₹87.95 / ₹5.55
Face Value	₹2
Stock P/E
Book Value	₹8.67
Dividend Yield	13.92 %
ROCE	-0.52 %
ROE	-67.52 %
Sales Growth (3yrs)	16.64 %
Sector	Banks
Industry	Banks - Private Sector
Listed on	BSE AND NSE
Company Website	Company Website

Pros: Company has reduced debt.

Cons: Company has low interest coverage ratio. Company has a low return on equity of -14.05% for last 3 years. Contingent liabilities of Rs.463326.34 Cr.

Yes Bank Ltd Price Chart

Yes Bank Ltd Peer Comparison in Banks

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Qtr Sales Var %	Sales Qtr Rs.Cr.	ROCE %
1.		21.54	₹614,066.43 Cr.	0.67	₹6,927.24 Cr.	22.04	10.88	32351.61	7.31
2.	Kotak Mah. Bank		30.32	₹277,327.41 Cr.	0.06	₹1,852.59 Cr.	5.11	1.60	8421.69	7.35
3.	ICICI Bank		26.75	₹272,103.11 Cr.	0.25	₹3,117.68 Cr.	24.03	10.10	22422.71	5.90
4.	Axis Bank		89.88	₹152,009.25 Cr.	0.20	₹1,099.52 Cr.	-12.83	8.14	16799.19	5.55
5.	Bandhan Bank		17.78	₹49,244.35 Cr.	0.98	₹549.82 Cr.	-31.58	14.70	3018.09	12.00
6.	IndusInd Bank		12.68	₹43,708.53 Cr.	1.19	₹460.64 Cr.	-67.84	2.88	7161.73	8.50
7.	IDBI Bank			₹40,743.83 Cr.	0.00	₹159.14 Cr.	104.16	-3.80	4903.80	0.33
8.	Yes Bank			₹35,953.79 Cr.	13.92	₹45.44 Cr.	-60.06	-29.81	5486.08	-0.52

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Yes Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020
Revenue	4,800	5,070	5,743	6,578	7,231	7,959	7,857	7,816	7,386	5,643	5,221	5,486
Interest	2,915	3,182	3,589	4,359	4,814	5,293	5,351	5,535	5,200	4,578	3,948	3,578
Expenses -	1,674	1,731	1,839	2,084	2,465	2,117	5,376	3,379	3,010	26,463	6,637	2,469
Employee Cost %	11.72%	10.52%	9.52%	8.98%	8.21%	7.86%	8.40%	8.46%	8.92%	11.35%	12.24%	11.73%
Financing Profit	211	158	315	135	-47	549	-2,870	-1,098	-824	-25,398	-5,363	-560
Financing Margin %	4%	3%	5%	2%	-1%	7%	-37%	-14%	-11%	-450%	-103%	-10%
Other Income	1,248	1,422	1,421	1,694	1,473	891	532	1,273	946	626	6,894	621
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1,460	1,580	1,736	1,829	1,426	1,440	-2,338	175	122	-24,772	1,531	60
Tax %	31%	32%	32%	31%	32%	30%	36%	35%	591%	25%	-72%	25%
Net Profit	1,003	1,077	1,179	1,260	965	1,002	-1,507	114	-600	-18,560	2,629	45
EPS in Rs	4.38	4.70	5.14	5.47	4.18	4.33	-6.51	5.95	-2.46	-72.77	5.95	0.04
Gross NPA %	1.82%	1.72%	1.28%	1.31%	1.60%	2.10%	3.22%	5.01%	7.39%	18.87%	16.80%	17.30%
Net NPA %	1.04%	0.93%	0.64%	0.59%	0.84%	1.18%	1.86%	2.91%	4.35%	5.97%	5.03%	4.96%
	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	TTM
Revenue	2,001	2,370	4,042	6,307	8,294	9,981	11,572	13,533	16,425	20,267	29,625	26,067	23,737
Interest	1,492	1,582	2,795	4,692	6,075	7,265	8,084	8,967	10,627	12,530	19,816	19,261	17,304
Expenses -	472	606	743	980	1,498	2,048	2,539	3,402	4,739	6,534	11,740	39,152	38,578
Manufacturing Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Employee Cost %	11%	11%	9%	8%	8%	8%	8%	10%	11%	11%	8%	10%
Other Cost %	12%	15%	9%	8%	10%	13%	13%	15%	18%	21%	31%	140%
Financing Profit	37	182	504	635	721	668	949	1,165	1,059	1,203	-1,931	-32,347	-32,145
Financing Margin %	2%	8%	12%	10%	9%	7%	8%	9%	6%	6%	-7%	-124%	-135%
Other Income	459	575	623	856	1,257	1,721	2,046	2,712	4,157	5,223	4,590	11,856	9,086
Depreciation	30	30	35	41	52	63	85	111	171	231	302	336	0
Profit before tax	466	726	1,092	1,450	1,926	2,326	2,910	3,766	5,044	6,194	2,357	-20,826	-23,059
Tax %	35%	34%	33%	33%	32%	30%	31%	33%	34%	32%	27%	21%
Net Profit	304	478	727	977	1,301	1,618	2,005	2,539	3,330	4,225	1,720	-16,418	-16,486
EPS in Rs	2.05	2.76	4.11	5.41	7.06	8.70	9.60	12.08	14.59	18.34	7.43	0.00	-69.24
Dividend Payout %	0%	11%	12%	14%	17%	18%	19%	17%	16%	15%	27%	0%

Compounded Sales Growth

10 Years:: 27.10%
5 Years:: 17.63%
3 Years:: 16.64%
TTM:: -23.09%

Compounded Profit Growth

TTM:: -4071.50%

Return on Equity

10 Years:: -13.84%
5 Years:: -36.05%
3 Years:: -65.67%
1 Year:: -76.03%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
Share Capital -	297	340	347	353	359	361	418	421	456	461	463	2,510
Equity Capital	297	340	347	353	359	361	418	421	456	461	463	2,510
Reserves	1,327	2,750	3,447	4,324	5,449	6,761	11,262	13,366	21,598	25,298	26,441	19,216
Borrowings	19,871	31,548	52,630	63,308	87,878	95,506	117,396	143,379	181,481	275,632	336,034	219,154
Other Liabilities -	1,405	1,745	2,583	5,641	5,419	6,388	7,094	8,098	11,525	11,056	17,888	16,946
Other liability items	1,405	1,745	2,583	5,641	5,419	6,388	7,094	8,098	11,525	11,056	17,888	16,946
Total Liabilities	22,901	36,383	59,007	73,626	99,104	109,016	136,170	165,263	215,060	312,446	380,826	257,827
Fixed Assets -	131	114	130	169	218	273	293	412	609	761	767	716
Gross Block	195	206	255	331	427	532	628	851	1,212	1,561	1,849	2,108
Accumulated Depreciation	64	92	126	162	209	259	335	439	604	800	1,082	1,392
CWIP	0	1	3	8	11	20	26	59	75	72	50	293
Investments	7,117	10,210	18,829	27,757	42,976	40,950	43,228	48,838	50,032	68,399	89,522	43,915
Other Assets -	15,653	26,057	40,046	45,691	55,899	67,772	92,623	115,954	164,345	243,214	290,487	212,903
Cash Equivalents	1,923	2,673	3,496	3,586	4,066	5,892	7,557	8,218	19,549	24,734	26,890	8,383
Loans n Advances	1,327	1,191	2,186	4,117	4,833	6,247	9,516	9,526	12,532	14,946	22,098	33,077
Other asset items	12,403	22,193	34,364	37,989	47,000	55,633	75,550	98,210	132,263	203,534	241,500	171,443
Total Assets	22,901	36,383	59,007	73,626	99,104	109,016	136,170	165,263	215,060	312,446	380,826	257,827

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
Cash from Operating Activity -	1,265	960	3,051	3,588	541	4,449	-2,340	-292	4,379	-21,878	-24,661	-57,641
Profit from operations	576	921	1,257	1,613	2,236	2,796	3,380	4,465	6,075	8,141	8,646	4,099
Loans Advances	-3,028	-9,876	-12,206	-3,637	-9,163	-8,769	-20,047	-23,158	-34,716	-72,519	-40,533	42,250
Operating investments	-392	-1,144	-5,246	-4,201	-8,608	4,567	-1,292	-1,892	2,765	-10,484	-16,020	24,193
Operating borrowings	1,203	375	769	6,010	0	0	0	0	0	0	0	0
Deposits	2,896	10,629	19,140	3,213	17,804	7,236	16,984	20,544	31,154	57,864	26,872	-122,246
Other WC items	187	331	-244	1,104	-1,076	-550	-326	1,107	975	-2,592	-1,017	-5,370
Working capital changes	866	315	2,213	2,490	-1,043	2,484	-4,681	-3,399	178	-27,730	-30,697	-61,174
Direct taxes	-177	-276	-420	-515	-652	-831	-1,039	-1,359	-1,875	-2,289	-2,610	-566
Cash from Investing Activity -	-1,690	-2,006	-3,424	-4,863	-6,742	-2,799	-3,608	-4,036	-4,477	-8,685	-6,223	14,096
Fixed assets purchased	-65	-15	-26	-90	-104	-121	-113	-264	-388	-390	-291	-534
Fixed assets sold	1	0	1	7	2	2	2	2	4	9	6	7
Capital WIP	4	-1	-2	-5	-3	-9	0	0	0	0	0	0
Investments purchased	0	0	0	0	0	0	-3,498	-3,773	-4,089	-8,255	-5,878	0
Investments sold	0	0	0	0	0	0	0	0	0	0	0	14,702
Acquisition of companies	0	0	0	0	0	0	0	0	0	-56	-118	-15
Other investing items	-1,630	-1,991	-3,397	-4,775	-6,637	-2,672	0	-0	-4	7	59	-64
Cash from Financing Activity -	720	1,797	1,196	1,365	6,681	176	7,574	4,989	11,429	35,748	33,039	25,038
Proceeds from shares	1	1,062	84	70	81	36	3,006	74	4,958	142	95	11,864
Proceeds from borrowings	0	0	0	0	0	0	0	0	0	36,515	34,413	14,135
Repayment of borrowings	0	0	0	0	0	0	0	0	0	-249	-718	-402
Dividends paid	0	0	-51	-87	-143	-216	-289	-376	-421	-549	-622	-463
Other financing items	718	735	1,163	1,382	6,743	356	4,857	5,291	6,893	-112	-128	-95
Net Cash Flow	295	751	823	90	480	1,826	1,625	661	11,331	5,185	2,155	-18,507

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Ratios

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
ROE %	21%	20%	21%	23%	25%	25%	21%	20%	19%	18%	7%	-68%

Announcements & News

Recent Announcements

Credit Ratings

India Ratings Upgrades Yes Bank to ‘IND BBB’/Stable; Off RWE Aug 27 from fitch
YES Bank Limited: CD rating upgraded to 'CRISIL A2+' Aug 27 from crisil
Update on YES Bank Limited Jun 29 from crisil
Yes Bank Limited Jun 23 from care
Yes Bank Limited: Rating on Basel II Compliant Upper Tier II Bonds downgraded to [ICRA]D Jun 23 from icra
YES Bank Limited: 'CRISIL BBB/Stable' assigned to debt instruments Jun 5 from crisil

Annual Reports

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.

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