Nifty

14644.70

Sensex

49792.12

123.55(0.85%)
393.83(0.80%)

Nifty
Sensex

:
:

14644.70
49792.12

123.55(0.85%)
393.83(0.80%)

Yes Bank Ltd.

Bank - Private

Rating :

31/99 (View)

BSE: 532648 | NSE: YESBANK

Watchlist

NSE BSE

17.65

-0.25 (-1.40%)

20-Jan-2021 | 4:01PM

Day's Open
Day's High
Day's Low
Previous Close

17.95
18.00
17.40
17.90

Volume
Traded Value (lacs)
52 Week High
52 Week Low

196996362
34769.86
87.30
5.65

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

44,848.28
N/A
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

152,695.13
N/A
1.22

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

10 Years
5 Years
3 Years

18.50
8.26
-4.25

EBITDA CAGR (%)

10 Years
5 Years
3 Years

PAT CAGR (%)

10 Years
5 Years
3 Years

P:E (Median)

8 Years
5 Years
3 Years

14.74
16.15
9.93

P:BV (Average)

8 Years
5 Years
3 Years

2.43
2.38
1.69

EV:EBITDA (Average)

8 Years
5 Years
3 Years

19.51
22.10
24.39

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 5,245.39 7,386.28 -28.98% 5,486.08 7,816.14 -29.81% 5,221.34 7,856.54 -33.54% 5,642.84 7,958.94 -29.10%
Interest Exp. 3,272.02 5,200.37 -37.08% 3,577.94 5,535.30 -35.36% 3,947.64 5,350.61 -26.22% 4,578.06 5,292.53 -13.50%
Net Interest Income 1,973.37 2,185.91 -9.72% 1,908.14 2,280.84 -16.34% 1,273.70 2,505.93 -49.17% 1,064.78 2,666.41 -60.07%
NIM 3.10 2.70 14.81% 3.00 2.80 7.14% 1.90 3.10 -38.71% 0.00 0.00 0.00
Other Income 706.75 945.93 -25.29% 620.66 1,272.66 -51.23% 597.25 531.69 12.33% 625.66 890.87 -29.77%
Total Income 5,952.14 8,332.20 -28.56% 6,106.74 9,088.80 -32.81% 5,818.59 8,388.23 -30.63% 6,268.50 8,849.81 -29.17%
Operating Exp. 1,320.10 1,673.40 -21.11% 1,381.95 1,594.41 -13.33% 1,764.54 1,714.23 2.93% 0.00 0.00 0.00
Operating Profit 1,360.03 1,458.44 -6.75% 1,146.85 1,959.09 -41.46% 106.41 1,323.39 -91.96% -6.42 1,990.36 -
Provision 1,187.34 1,336.25 -11.14% 1,086.61 1,784.11 -39.10% 4,872.34 3,661.70 33.06% 24,765.73 550.23 4,400.98%
PBT 172.69 122.19 41.33% 60.24 174.98 -65.57% -4,765.93 -2,338.31 - -24,772.15 1,440.13 -
PBTM 3.29 1.65 99.39% 1.10 2.24 -50.89% -91.28 -29.76 - 0.40 0.40 0.00%
TAX 43.32 722.27 -94.00% 14.80 61.23 -75.83% -1,097.60 -831.67 - -6,211.84 438.28 -
PAT 129.37 -600.08 - 45.44 113.76 -60.06% -3,668.33 -1,506.64 - -18,560.31 1,001.85 -
PATM 2.47% -8.12% 0.83% 1.46% -70.26% -19.18% 2.87% 2.87%
EPS 0.05 -2.35 - 0.04 0.49 -91.84% -2.92 -6.51 - 0.73 0.73 0.00%
Gross NPA 32,344.36 17,134.41 88.77% 32,702.70 12,092.10 170.45% 32,877.59 7,882.56 317.09% 0.00 0.00 0.00
Gross NPA% 16.90 7.39 128.69% 17.30 5.01 245.31% 16.80 3.22 421.74% 0.00 0.00 0.00
Net NPA 7,868.13 9,757.20 -19.36% 8,157.50 6,883.27 18.51% 8,623.78 4,484.85 92.29% 0.00 0.00 0.00
Net NPA% 4.71 4.35 8.28% 4.96 2.91 70.45% 5.03 1.86 170.43% 0.00 0.00 0.00
CASA 24.80 30.80 -19.48% 25.80 30.20 -14.57% 26.60 33.10 -19.64% 0.00 0.00 0.00

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 5,245.10 7,382.72 -28.95% 5,486.01 7,812.95 -29.78% 5,217.44 7,856.04 -33.59% 5,638.91 7,958.89 -29.15%
Interest Exp. 3,270.93 5,199.41 -37.09% 3,577.33 5,534.43 -35.36% 3,946.91 5,349.35 -26.22% 4,577.31 5,291.49 -13.50%
Net Interest Income 1,974.17 2,183.31 -9.58% 1,908.68 2,278.52 -16.23% 1,270.53 2,506.69 -49.31% 1,061.60 2,667.40 -60.20%
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 727.02 964.78 -24.64% 636.61 1,292.83 -50.76% 624.96 554.27 12.75% 658.52 915.34 -28.06%
Total Income 5,972.12 8,347.50 -28.46% 6,122.62 9,105.79 -32.76% 5,842.40 8,410.31 -30.53% 6,297.43 8,874.23 -29.04%
Operating Exp. 1,350.27 1,711.22 -21.09% 1,413.29 1,633.35 -13.47% 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 1,350.91 1,436.86 -5.98% 1,132.00 1,938.01 -41.59% 102.66 1,317.01 -92.21% -12.63 1,990.17 -
Provision 1,187.33 1,336.25 -11.14% 1,083.16 1,784.11 -39.29% 4,832.02 3,658.82 32.06% 24,765.73 548.22 4,417.48%
PBT 163.58 100.62 62.57% 48.84 153.90 -68.27% -4,729.36 -2,341.81 - -24,778.37 1,441.96 -
PBTM 3.12 1.36 129.41% 0.89 1.97 -54.82% 10.75 10.75 0.00% 10.75 10.75 0.00%
TAX 43.33 729.71 -94.06% 14.79 58.34 -74.65% -1,097.60 -833.37 - -6,214.12 441.39 -
PAT 120.25 -629.09 - 34.05 95.56 -64.37% -3,631.76 -1,508.44 - -18,564.24 1,000.57 -
PATM 2.29% -8.52% 0.62% 1.22% 7.11% 7.11% 7.11% 7.11%
EPS 0.05 -0.25 - 0.01 0.04 -75.00% -1.45 -0.60 - -7.41 0.40 -
Gross NPA 32,344.36 17,134.41 88.77% 32,702.70 12,092.10 170.45% 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 16.90 7.39 128.69% 17.30 5.01 245.31% 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 7,868.13 9,757.20 -19.36% 8,157.50 6,883.27 18.51% 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 4.71 4.35 8.28% 4.96 2.91 70.45% 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 6,219.99 6,805.23 9,809.03 7,737.06 5,797.30 4,566.72 3,487.84 2,716.26 2,218.79 1,615.64 1,246.93 Interest Earned 21,595.65 26,066.60 29,624.75 20,267.42 16,424.64 13,533.44 11,572.01 9,981.35 8,294.00 6,307.36 4,041.75 Interest Expended 15,375.66 19,261.37 19,815.72 12,530.36 10,627.34 8,966.72 8,084.17 7,265.09 6,075.21 4,691.72 2,794.82 Int. income Growth -35.47% -30.62% 26.78% 33.46% 26.95% 30.93% 28.41% 22.42% 37.33% 29.57% Other Income 2,550.32 11,856.49 4,590.15 5,223.83 4,156.76 2,712.15 2,046.46 1,721.58 1,257.43 857.12 623.27 Total Income 24,145.97 18,661.72 14,399.18 12,960.89 9,954.06 7,278.87 5,534.30 4,437.84 3,476.22 2,472.76 1,870.20 Total Expenditure 6,163.45 39,152.02 11,740.29 6,535.62 4,738.69 3,402.11 2,539.14 2,048.39 1,498.78 981.92 743.18 Employee Cost - 2,599.87 2,469.77 2,188.92 1,805.04 1,296.80 979.66 784.40 655.54 475.15 362.34 % Of Sales - 9.97% 8.34% 10.80% 10.99% 9.58% 8.47% 7.86% 7.90% 7.53% 8.96% Opt. & Establishment Exp. - 4,464.98 4,096.04 3,254.84 2,482.74 1,790.13 1,390.08 1,028.65 730.71 498.20 352.31 % Of Sales - 17.13% 13.83% 16.06% 15.12% 13.23% 12.01% 10.31% 8.81% 7.90% 8.72% Provisions - 32,758.43 5,777.56 1,553.80 793.41 536.30 339.48 361.68 215.95 90.21 98.21 % Of Sales - 125.67% 19.50% 7.67% 4.83% 3.96% 2.93% 3.62% 2.60% 1.43% 2.43% EBITDA 2,606.86 -20,490.30 2,658.89 6,425.27 5,215.37 3,876.76 2,995.16 2,389.45 1,977.44 1,490.84 1,127.02 EBITDA Margin 71.46% -301.10% 27.11% 83.05% 89.96% 84.89% 85.87% 87.97% 89.12% 92.28% 90.38% Depreciation 0.00 335.63 301.54 230.97 171.25 110.56 85.04 63.17 51.71 40.82 34.84 PBT -29,305.15 -20,825.92 2,357.35 6,194.31 5,044.12 3,766.20 2,910.11 2,326.28 1,925.73 1,450.02 1,092.18 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -7,251.32 -4,407.89 637.07 1,969.75 1,714.02 1,226.75 904.75 708.50 625.05 473.02 365.04 Tax Rate 24.74% 21.17% 27.02% 31.80% 33.98% 32.57% 31.09% 30.46% 32.46% 32.62% 33.42% PAT -22,053.83 -16,418.03 1,720.28 4,224.56 3,330.10 2,539.45 2,005.36 1,617.78 1,300.68 977.00 727.14 PAT before Minority Interest -22,053.83 -16,418.03 1,720.28 4,224.56 3,330.10 2,539.45 2,005.36 1,617.78 1,300.68 977.00 727.14 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -251.46% -87.98% 11.95% 32.59% 33.45% 34.89% 36.24% 36.45% 37.42% 39.51% 38.88% PAT Growth 2,125.16% -1054.38% -59.28% 26.86% 31.13% 26.63% 23.96% 24.38% 33.13% 34.36% Unadjusted EPS -8.80 -6.55 0.69 1.69 1.33 1.01 0.80 0.65 0.52 0.39 0.29

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Net Interest Income 6,214.98 6,793.96 9,812.51 7,739.16 5,798.47 4,568.03 3,488.63 2,716.80 2,218.79 Interest Earned 21,587.46 26,052.02 29,623.80 20,268.59 16,425.00 13,533.44 11,572.01 9,981.35 8,294.00 Interest Expended 15,372.48 19,258.06 19,811.29 12,529.43 10,626.53 8,965.41 8,083.38 7,264.55 6,075.21 Int. income Growth -35.50% -30.76% 26.79% 33.47% 26.94% 30.94% 28.41% 22.45% Other Income 2,647.11 11,956.10 4,675.48 5,293.15 4,217.80 2,729.42 2,047.91 1,721.58 1,257.43 Total Income 24,234.57 18,750.06 14,487.99 13,032.31 10,016.27 7,297.45 5,536.54 4,438.38 3,476.22 Total Expenditure 6,289.14 39,246.32 11,833.54 6,595.42 4,790.19 3,429.49 2,548.27 2,055.02 1,498.78 Employee Cost - 2,691.32 2,538.11 2,234.66 1,840.24 1,319.78 986.63 788.64 655.54 % Of Sales - 10.33% 8.57% 11.03% 11.20% 9.75% 8.53% 7.90% 7.90% Opt. & Establishment Exp. - 4,520.76 4,128.77 3,271.24 2,500.98 1,797.09 1,394.30 1,031.78 730.71 % Of Sales - 17.35% 13.94% 16.14% 15.23% 13.28% 12.05% 10.34% 8.81% Provisions - 32,718.10 5,777.56 1,554.24 794.19 536.30 339.48 361.68 215.95 % Of Sales - 125.59% 19.50% 7.67% 4.84% 3.96% 2.93% 3.62% 2.60% EBITDA 2,572.95 -20,496.26 2,654.45 6,436.89 5,226.08 3,867.96 2,988.27 2,383.36 1,977.44 EBITDA Margin 70.87% -301.68% 27.05% 83.17% 90.13% 84.67% 85.66% 87.73% 89.12% Depreciation 0.00 341.93 305.45 232.36 172.61 111.84 86.07 63.54 51.71 PBT -29,295.31 -20,838.19 2,349.00 6,204.54 5,053.47 3,756.12 2,902.20 2,319.82 1,925.73 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -7,253.60 -4,405.61 639.74 1,971.32 1,713.58 1,226.43 904.78 708.56 625.05 Tax Rate 24.76% 21.14% 27.23% 31.77% 33.91% 32.65% 31.18% 30.54% 32.46% PAT -22,041.70 -16,432.58 1,709.27 4,233.22 3,339.89 2,529.69 1,997.42 1,611.26 1,300.68 PAT before Minority Interest -22,041.70 -16,432.58 1,709.27 4,233.22 3,339.89 2,529.69 1,997.42 1,611.26 1,300.68 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -248.72% -87.64% 11.80% 32.48% 33.34% 34.67% 36.08% 36.30% 37.42% PAT Growth 2,016.55% -1061.38% -59.62% 26.75% 32.03% 26.65% 23.97% 23.88% Unadjusted EPS -8.80 -6.56 0.68 1.69 1.33 1.01 0.80 0.64 0.52

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 21,726.29 26,904.20 25,758.28 22,054.06 13,786.60 11,679.98 7,121.74 5,807.67 4,676.64 3,794.08 Share Capital 2,510.09 463.01 460.59 456.49 420.53 417.74 360.63 358.62 352.99 347.15 Total Reserves 19,216.20 26,441.19 25,297.69 21,597.57 13,366.07 11,262.25 6,761.11 5,449.05 4,323.65 3,446.93 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 105,363.94 227,610.18 200,738.15 142,873.86 111,719.53 91,175.85 74,192.02 66,955.59 49,151.71 45,938.93 Borrowings 113,790.50 108,424.11 74,893.58 38,606.67 31,658.98 26,220.40 21,314.29 20,922.15 14,156.49 6,690.91 Other Liabilities & Provisions 16,946.18 17,887.68 11,055.60 11,525.33 8,098.30 7,094.18 6,387.75 5,418.72 5,640.85 2,583.07 Total Liabilities 257,826.91 380,826.17 312,445.61 215,059.92 165,263.41 136,170.41 109,015.80 99,104.13 73,625.69 59,006.99 Net Block 715.72 767.02 760.83 608.86 411.95 293.40 273.29 218.45 169.06 129.52 Gross Block 2,108.23 1,848.68 1,561.08 1,212.37 850.92 627.99 532.24 427.12 331.05 255.30 Accumulated Depreciation 1,392.50 1,081.66 800.25 603.51 438.97 334.59 258.95 208.67 161.98 125.78 Total Non-Current Assets 224,750.20 358,728.14 297,499.56 202,527.45 155,737.54 126,654.43 102,768.46 94,270.91 69,508.63 56,820.89 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 293.36 49.98 71.56 74.67 58.77 25.57 20.18 11.09 8.04 2.91 Cash and balance with RBI 5,943.65 10,797.74 11,425.75 6,952.07 5,776.16 5,240.65 4,541.57 3,338.76 2,332.54 3,076.02 Balance with banks and money at call 2,439.35 16,091.77 13,308.62 12,597.37 2,442.26 2,316.50 1,350.10 727.00 1,253.00 419.96 Investments 43,914.83 89,522.03 68,398.94 50,031.80 48,838.47 43,228.49 40,950.36 42,976.04 27,757.35 18,828.84 Advances 171,443.29 241,499.60 203,533.86 132,262.68 98,209.93 75,549.82 55,632.96 46,999.57 37,988.64 34,363.64 Other Assets 33,076.71 22,098.02 14,946.04 12,532.46 9,525.88 9,515.98 6,247.33 4,833.21 4,117.04 2,186.11 Total Assets 257,826.91 380,826.16 312,445.60 215,059.91 165,263.42 136,170.41 109,015.79 99,104.12 73,625.67 59,007.00 Contingent Liabilities 458,526.09 654,158.02 581,829.64 379,564.16 331,239.20 337,299.25 201,016.82 247,804.35 161,427.07 136,225.38 Bills for collection 5,120.19 5,059.24 1,935.56 1,390.00 1,558.87 1,373.94 997.06 677.40 402.05 170.14 Adjusted Book Value 17.31 116.22 111.85 96.63 327.84 279.60 197.30 161.94 132.49 109.29

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Shareholder's Funds 21,694.96 26,887.41 25,752.51 22,039.63 13,762.38 11,665.52 7,115.22 5,807.67 Share Capital 2,510.09 463.01 460.59 456.49 420.53 417.74 360.63 358.62 Total Reserves 19,184.87 26,424.40 25,291.91 21,583.14 13,341.85 11,247.79 6,754.59 5,449.05 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 105,311.17 227,557.90 200,688.60 142,857.44 111,704.18 91,158.78 74,185.63 66,955.54 Borrowings 113,790.50 108,424.11 74,893.58 38,606.67 31,658.98 26,220.40 21,314.29 20,922.15 Other Liabilities & Provisions 17,035.53 17,990.19 11,114.96 11,555.94 8,117.08 7,098.27 6,389.64 5,418.72 Total Liabilities 257,832.16 380,859.61 312,449.65 215,059.68 165,242.62 136,142.97 109,004.78 99,104.08 Net Block 729.52 778.45 765.14 611.55 414.22 296.09 276.92 218.45 Gross Block 2,136.52 1,868.35 1,569.75 1,218.10 855.89 632.09 536.25 427.12 Accumulated Depreciation 1,407.00 1,089.90 804.61 606.54 441.67 336.00 259.33 208.67 Total Non-Current Assets 224,634.62 358,540.54 297,403.38 202,485.93 155,691.88 126,622.53 102,754.60 94,270.86 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 293.86 51.44 72.15 75.24 60.36 25.73 20.18 11.09 Cash and balance with RBI 5,943.65 10,797.74 11,425.75 6,952.07 5,776.16 5,240.65 4,541.58 3,338.76 Balance with banks and money at call 2,486.70 16,187.19 13,328.07 12,602.59 2,442.74 2,316.75 1,350.10 727.00 Investments 43,747.80 89,328.53 68,293.44 49,981.80 48,788.47 43,193.49 40,932.86 42,975.99 Advances 171,433.09 241,397.19 203,518.83 132,262.68 98,209.93 75,549.82 55,632.96 46,999.57 Other Assets 33,197.53 22,319.07 15,046.28 12,573.76 9,550.75 9,520.45 6,250.17 4,833.21 Total Assets 257,832.15 380,859.61 312,449.66 215,059.69 165,242.63 136,142.98 109,004.77 99,104.07 Contingent Liabilities 458,527.53 654,161.74 581,830.27 379,564.57 331,239.20 337,299.25 201,016.82 247,804.35 Bills for collection 5,120.19 5,059.24 1,935.56 1,390.00 1,558.87 1,373.94 997.06 677.40 Adjusted Book Value 17.29 116.14 111.82 96.56 327.26 279.26 197.30 161.94

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity -57,640.53 -24,661.17 -21,877.72 4,378.65 -291.89 -2,340.28 4,448.94 540.64 -2,421.70 3,050.63 PBT -20,825.92 2,357.35 6,194.31 5,044.12 3,766.20 2,910.11 2,326.28 1,925.73 1,450.02 1,092.18 Adjustment 24,924.66 6,288.97 1,946.81 1,031.31 699.23 469.44 469.40 310.02 163.28 164.89 Adjustments for Liabilities & Assets -61,173.73 -30,697.08 -27,729.87 178.14 -3,398.78 -4,681.14 2,483.85 -1,043.47 -3,520.00 2,213.33 Refund/(Payment) of direct taxes -565.55 -2,610.40 -2,288.97 -1,874.92 -1,358.54 -1,038.69 -830.60 -651.64 -514.99 -419.77 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity 14,159.30 -6,281.79 -8,691.86 -4,473.12 -4,035.28 -3,608.20 -2,798.92 -6,741.53 -4,863.45 -3,423.73 Net Fixed Assets -502.93 -266.02 -345.60 -377.35 -256.13 -101.14 -114.21 -99.12 -80.88 -50.43 Other Investment Activity -8683.38 -10590.52 -6105.76 -5322.32 -4517.89 -3452.48 -7293.95 -5301.66 -3762.82 -2264.37 Cash from Financing Activity 25,038.31 33,039.32 35,747.92 11,429.21 4,988.75 7,613.96 175.89 6,681.11 7,374.72 1,195.82 Closing Cash & Equivalent 8,383.00 26,889.51 24,734.37 19,549.44 8,218.42 7,557.15 5,891.66 4,065.76 3,585.54 3,495.98 Net Cash Inflow / Outflow -18,442.92 2,096.36 5,178.34 11,334.74 661.58 1,665.49 1,825.90 480.22 89.56 822.73 Opening Cash & Equivalents 26,889.51 24,734.37 19,549.44 8,218.42 7,557.15 5,891.66 4,065.76 3,585.54 3,495.98 2,673.25

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Cash From Operating Activity -57,721.22 -24,573.30 -21,810.44 4,384.14 -304.36 -2,317.02 4,435.50 540.64 PBT -20,838.19 2,349.01 6,204.54 5,053.47 3,756.12 2,902.20 2,319.82 1,925.73 Adjustment 24,890.64 6,292.88 1,948.64 1,033.45 700.52 470.74 469.78 310.02 Adjustments for Liabilities & Assets -61,208.11 -30,602.04 -27,669.28 174.28 -3,401.30 -4,651.27 2,476.49 -1,043.47 Refund/(Payment) of direct taxes -565.55 -2,613.14 -2,294.34 -1,877.06 -1,359.71 -1,038.69 -830.60 -651.64 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity 14,191.93 -6,293.69 -8,744.90 -4,473.87 -4,022.57 -3,591.23 -2,785.47 -6,741.53 Net Fixed Assets -502.93 -266.02 -345.60 -377.35 -256.13 -101.14 -114.21 Other Investment Activity -8695.28 -10643.56 -6106.51 -5309.61 -4500.92 -3439.03 -7293.95 Cash from Financing Activity 25,038.31 33,039.32 35,747.92 11,429.21 4,988.75 7,573.96 175.89 6,681.11 Closing Cash & Equivalent 8,430.36 26,984.93 24,753.82 19,554.66 8,218.90 7,557.40 5,891.68 4,065.76 Net Cash Inflow / Outflow -18,490.98 2,172.33 5,192.58 11,339.48 661.81 1,665.72 1,825.92 480.22 Opening Cash & Equivalents 26,984.93 24,753.82 19,554.66 8,218.90 7,557.40 5,891.68 4,065.76 3,585.54

Financial Ratios

Standalone /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 17.31 116.22 111.85 96.63 65.57 55.92 39.50 32.39 26.50 21.86 NIM 3.04 2.74 2.61 2.87 2.94 2.76 2.65 2.36 2.33 2.20 Yield on Advances 15.20 12.27 9.96 12.42 13.78 15.32 17.94 17.65 16.60 11.76 Yield on Investments 12.24 7.11 6.75 9.01 7.72 8.09 8.74 7.02 6.79 5.21 Cost of Liabilities 8.79 5.90 4.55 5.86 6.25 6.89 7.61 6.91 7.41 5.31 Interest Spread 6.42 6.37 5.41 6.56 7.53 8.43 10.33 10.73 9.19 6.45 ROCE -10.02% 7.19% 11.58% 14.08% 13.33% 13.44% 14.40% 15.09% 15.68% 17.39% Cost Income Ratio 36.06 43.50 40.22 41.36 40.89 41.28 39.43 38.39 37.71 36.35 Core Cost Income Ratio 38.35 44.49 41.88 44.54 42.41 42.37 40.96 40.19 38.30 35.47 Operating Costs to Assets 2.61 1.64 1.67 1.91 1.80 1.68 1.61 1.35 1.27 1.15 Loans/Deposits 1.08 0.48 0.37 0.27 0.28 0.29 0.29 0.31 0.29 0.15 Cash/Deposits 0.06 0.05 0.06 0.05 0.05 0.06 0.06 0.05 0.05 0.07 Investment/Deposits 0.42 0.39 0.34 0.35 0.44 0.47 0.55 0.64 0.56 0.41 Inc Loan/Deposits 108.00% 47.64% 37.31% 27.02% 28.34% 28.76% 28.73% 31.25% 28.80% 14.56% Credit Deposits 162.72% 106.10% 101.39% 92.57% 87.91% 82.86% 74.99% 70.20% 77.29% 74.80% Interest Expended / Interest earned 73.89% 66.89% 61.83% 64.70% 66.26% 69.86% 72.79% 73.25% 74.38% 69.15% Interest income / Total funds 10.11% 7.78% 6.49% 7.64% 8.19% 8.50% 9.16% 8.37% 8.57% 6.85% Interest Expended / Total funds 7.47% 5.20% 4.01% 4.94% 5.43% 5.94% 6.66% 6.13% 6.37% 4.74% CASA 26.63% 33.06% 36.45% 36.30% 28.05% 23.12% 22.03% 18.95% 15.04% 10.34%

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Book Value 17.29 116.14 111.82 96.56 65.45 55.85 39.46 32.39 NIM 3.04 2.74 2.61 2.87 2.94 2.76 2.65 2.36 Yield on Advances 15.20 12.27 9.96 12.42 13.78 15.32 17.94 17.65 Yield on Investments 12.28 7.13 6.76 9.02 7.72 8.10 8.75 7.02 Cost of Liabilities 8.79 5.90 4.55 5.86 6.25 6.89 7.61 6.91 Interest Spread 6.41 6.38 5.41 6.56 7.53 8.43 10.33 10.73 ROCE -10.03% 7.19% 11.60% 14.10% 13.31% 13.42% 14.38% 12.86% Cost Income Ratio 36.64 43.91 40.47 41.62 41.18 41.45 39.58 38.39 Core Cost Income Ratio 38.95 44.89 42.12 44.80 42.70 42.54 41.12 40.19 Operating Costs to Assets 2.66 1.67 1.69 1.94 1.82 1.69 1.61 1.35 Loans/Deposits 1.08 0.48 0.37 0.27 0.28 0.29 0.29 0.31 Cash/Deposits 0.06 0.05 0.06 0.05 0.05 0.06 0.06 0.05 Investment/Deposits 0.42 0.39 0.34 0.35 0.44 0.47 0.55 0.64 Inc Loan/Deposits 108.05% 47.65% 37.32% 27.02% 28.34% 28.76% 28.73% 31.25% Credit Deposits 162.79% 106.08% 101.41% 92.58% 87.92% 82.88% 74.99% 70.20% Interest Expended / Interest earned 73.92% 66.88% 61.82% 64.70% 66.25% 69.85% 72.78% 73.25% Interest income / Total funds 10.10% 7.78% 6.49% 7.64% 8.19% 8.50% 9.16% 8.37% Interest Expended / Total funds 7.47% 5.20% 4.01% 4.94% 5.43% 5.94% 6.66% 6.13% CASA 26.63% 33.07% 36.46% 36.30% 28.05% 23.12% 22.03% 18.95%

Annual Reports:

News Update

Yes Bank planning to raise funds through various modes
18th Jan 2021, 15:45 PM

The Board of Directors of Bank at its meeting scheduled on January 22, 2021 will consider a proposal to raise funds
Read More
Yes Bank’s deposits up 7.7% in October- December quarter
4th Jan 2021, 16:45 PM

The bank’s loans and advances were up at 1.3 percent at Rs 169,050 crore in December 31, 2020 as against Rs 166,923 crore in September 30, 2020
Read More
Yes Bank sells 2.56% stake in SICAL logistics
14th Dec 2020, 10:45 AM

Change in holding of the Bank by more than 2% of the total shareholding of SICAL
Read More
Yes Bank aims to double credit card customer base in next two years
14th Dec 2020, 09:27 AM

Also, the bank is targeting a four-fold rise in its book value over the next two years
Read More
Brickwork Ratings upgrades rating of Yes Bank’s Perpetual Bonds
9th Dec 2020, 12:14 PM

The rating upgrade factors in improvement in capitalisation ratios of the bank
Read More
Yes Bank takes office space on lease in Noida from Max group
3rd Dec 2020, 14:13 PM

Max group's realty arm Max Estates has leased 62,500 sq ft of office space to Yes Bank in its commercial project in Noida, Uttar Pradesh
Read More
Yes Bank eyeing to disburse retail, MSME loans of Rs 10,000 crore in December quarter
2nd Dec 2020, 09:05 AM

The bank disbursed loans worth Rs 6,800 crore to retail and MSME segments in the second quarter ended September 30
Read More
Yes Bank launches co-branded prepaid card in partnership with Neokred Technologies
18th Nov 2020, 10:32 AM

The prepaid card will be offered to Neokred's corporate partners across various sectors
Read More
CARE upgrades rating on Yes Bank’s various debt instruments
11th Nov 2020, 11:42 AM

It has revised the rating on Rs 5,000 crore infrastructure bonds from B to BBB
Read More
Yes Bank turns black in Q2
24th Oct 2020, 10:15 AM

Total consolidated income of the bank decreased by 28.46% at Rs 5972.12 crore for Q2FY21
Read More
Yes Bank - Quarterly Results
23rd Oct 2020, 16:43 PM

Read More
Yes Bank offers discounts on credit card purchases, loans at competitive rates
22nd Oct 2020, 09:31 AM

Customers can enjoy benefit of over 100 attractive deals on Yes Bank credit cards with rewards
Read More

Yes Bank Ltd.

Bank - Private

BSE: 532648 | NSE: YESBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Annual Reports:

News Update