YES Bank Ltd.

• Loan Book Growth - Turned Negative

  The advances growth rate (YoY) for YES Bank Ltd. turned negative for the first time in last 5 years. (Source: Consolidated Financials)

• Quarterly Revenue Growth Comparison

  Company reported income decline on both quarterly & yearly basis. Total income for Sep 30, 2020 quarter was Rs 5972.12 cr which is a decrease of -2.46% QoQ and -28.46% YoY. (Source: Consolidated Financials)

• Intraday fact check

  In last 15 years, 44.08% of trading sessions had closing price higher than open price.

• Stock Returns vs Nifty Bank

  Stock generated -94.9% return as compared to Nifty Bank which gave investors 16.95% return over 3 year time period. (as of last trading session)

• PE Ratio(x)-2.46
• EPS - TTM(₹)-6.28
• MCap(₹ Cr.)38,584.56
• MCap Rank9
• PB Ratio(x)0.89
• Div Yield(%)3.11
• Face Value(₹)2.00
• 52W High(₹)87.30
• 52W Low(₹)5.65
• MCap/Sales1.08
• Beta(1 Month)3.65
• BV/Share(₹)8.66

• PE Ratio(x)-2.45
• EPS - TTM(₹)-6.28
• MCap(₹ Cr.)38,784.99
• MCap Rank9
• PB Ratio(x)0.89
• Div Yield(%)3.11
• Face Value(₹)2.00
• 52W High(₹)87.95
• 52W Low(₹)5.55
• MCap/Sales1.08
• Beta(1 Month)3.62
• BV/Share(₹)8.66

• 1 Day0.0%
• 1 Month26.12%
• 3 Months8.42%
• 1 Year-75.48%
• 3 Years-94.9%
• 5 Years-89.56%

• 1 Day-0.26%
• 1 Month25.77%
• 3 Months8.06%
• 1 Year-75.54%
• 3 Years-94.91%
• 5 Years-89.57%

• CLSA says there is still deep value in SBI shares

  News

• Stocks in the news: Tata Motors, Hero MotoCorp, YES Bank, Wockhardt & ITC

  News

• Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

  Announcements

• Disclosure Under Regulation 30 Read With Para A Of Part A Of Schedule III Of The SEBI..

  Announcements

• Income (P&L)

  • Quarterly Revenue Growth Comparison

    Company reported income decline on both quarterly & yearly basis. Total income for Sep 30, 2020 quarter was Rs 5972.12 cr which is a decrease of -2.46% QoQ and -28.46% YoY. (Source: Consolidated Financials)

  QuarterlyAnnual	Sep 2020	Jun 2020	Mar 2020	Dec 2019	Sep 2019
  Total Income	5,972.12	6,122.62	5,842.41	6,297.44	8,347.50
  Total Income Growth (%)	-2.46	4.80	-7.23	-24.56	-8.33
  Provisions & Contingencies	1,187.33	1,083.16	4,832.02	24,765.73	1,336.25
  Provisions & Contingencies Growth (%)	9.62	-77.58	-80.49	1,753.38	-25.10
  Profit after Tax (PAT)	120.25	34.05	2,665.19	-18,564.24	-629.09
  PAT Growth (%)	253.16	-98.72	-	-	-758.32
  Gross NPA (%)	16.90	17.30	16.80	18.87	7.39
  Net NPA (%)	4.71	4.96	5.03	5.97	4.35
  Net Profit Margin (%)	2.01	0.56	45.62	-294.79	-7.54
  Basic EPS (₹)	0.05	0.03	6.03	-72.97	-2.58

  QuarterlyAnnual	Sep 2020	Jun 2020	Mar 2020	Dec 2019	Sep 2019
  Total Income	5,952.14	6,106.74	5,818.59	6,268.50	8,332.21
  Total Income Growth (%)	-2.53	4.95	-7.18	-24.77	-8.32
  Provisions & Contingencies	1,187.34	1,086.61	4,872.34	24,765.73	1,336.25
  Provisions & Contingencies Growth (%)	9.27	-77.70	-80.33	1,753.38	-25.10
  Profit after Tax (PAT)	129.37	45.44	2,628.61	-18,560.31	-600.08
  PAT Growth (%)	184.71	-98.27	-	-	-627.50
  Gross NPA (%)	16.90	17.30	16.80	18.87	7.39
  Net NPA (%)	4.71	4.96	5.03	5.97	4.35
  Net Profit Margin (%)	2.17	0.74	45.18	-296.09	-7.20
  Basic EPS (₹)	0.06	0.04	5.95	-72.77	-2.46

  QuarterlyAnnual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Total Income	38,008.12	34,299.28	25,561.75	20,642.80	16,262.86
  Total Income Growth (%)	10.81	34.18	23.83	26.93	19.40
  Provisions & Contingencies	28,312.49	6,417.30	3,525.56	2,507.78	1,762.73
  Provisions & Contingencies Growth (%)	341.19	82.02	40.58	42.27	41.67
  Profit after Tax (PAT)	-16,432.58	1,709.27	4,233.22	3,339.89	2,529.69
  PAT Growth (%)	-1,061.38	-59.62	26.75	32.03	26.65
  Net Interest Margin (%)	2.63	2.57	2.47	2.69	2.76
  Net Profit Margin (%)	-63.07	5.76	20.88	20.33	18.69
  Basic EPS (₹)	-56.11	7.40	18.46	15.82	60.39

  QuarterlyAnnual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Total Income	37,923.10	34,214.90	25,491.26	20,581.40	16,245.59
  Total Income Growth (%)	10.84	34.22	23.86	26.69	19.29
  Provisions & Contingencies	28,350.54	6,414.63	3,523.55	2,507.43	1,763.05
  Provisions & Contingencies Growth (%)	341.97	82.05	40.52	42.22	41.70
  Profit after Tax (PAT)	-16,418.03	1,720.28	4,224.56	3,330.10	2,539.45
  PAT Growth (%)	-1,054.38	-59.28	26.86	31.13	26.63
  Net Interest Margin (%)	2.63	2.57	2.47	2.69	2.76
  Net Profit Margin (%)	-62.98	5.80	20.84	20.27	18.76
  Basic EPS (₹)	-56.07	7.45	18.43	15.78	60.62

  All figures in Rs Cr, unless mentioned otherwise

• Balance Sheet

  • Loan Book Growth - Turned Negative

    The advances growth rate (YoY) for YES Bank Ltd. turned negative for the first time in last 5 years. (Source: Consolidated Financials)

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Advances	1,71,433.09	2,41,397.19	2,03,518.83	1,32,262.68	98,209.93
  Advances Growth (%)	-28.98	18.61	53.87	34.67	29.99
  Deposits	1,05,311.17	2,27,557.90	2,00,688.60	1,42,857.44	1,11,704.18
  Deposits Growth (%)	-53.72	13.39	40.48	27.89	22.54
  Total Equity	21,694.96	26,887.41	25,752.51	22,039.63	13,762.38
  Total Equity Growth (%)	-19.31	4.41	16.85	60.14	17.97
  Gross NPA (%)	-	-	-	-	-
  Net NPA (%)	-	-	-	-	-
  Capital Adequacy Ratios (%)	-	-	-	-	-
  Contingent Liabilities	4,58,527.53	6,54,161.74	5,81,830.27	3,79,564.57	3,05,489.12

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Advances	1,71,443.29	2,41,499.60	2,03,533.86	1,32,262.68	98,209.93
  Advances Growth (%)	-29.01	18.65	53.89	34.67	29.99
  Deposits	1,05,363.94	2,27,610.18	2,00,738.15	1,42,873.86	1,11,719.53
  Deposits Growth (%)	-53.71	13.39	40.50	27.89	22.53
  Total Equity	21,726.29	26,904.20	25,758.28	22,054.06	13,786.60
  Total Equity Growth (%)	-19.25	4.45	16.80	59.97	18.04
  Gross NPA (%)	16.80	3.22	1.28	1.52	0.76
  Net NPA (%)	5.03	1.86	0.64	0.81	0.29
  Capital Adequacy Ratios (%)	8.50	16.50	18.40	17.00	16.50
  Contingent Liabilities	4,58,526.09	6,54,158.02	5,81,829.64	3,79,564.16	3,32,798.07

  All figures in Rs Cr, unless mentioned otherwise

• Cash Flows

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Net Cash flow from Operating Activities	-57,721.22	-24,573.30	-21,810.44	4,384.14	-375.62
  Net Cash used in Investing Activities	14,191.93	-6,293.69	-8,744.90	-4,473.87	-4,022.57
  Net Cash flow from Financing Activities	25,038.31	33,039.32	35,747.92	11,429.21	5,059.70
  Net Cash Flow	-18,554.57	2,231.11	5,199.16	11,335.75	661.51
  Closing Cash & Cash Equivalent	8,430.36	26,984.93	24,753.82	19,554.66	8,218.90
  Closing Cash & Cash Equivalent Growth (%)	-68.76	9.01	26.59	137.92	8.75

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Net Cash flow from Operating Activities	-57,640.53	-24,661.17	-21,877.72	4,378.65	-363.15
  Net Cash used in Investing Activities	14,159.30	-6,281.79	-8,691.86	-4,473.12	-4,035.28
  Net Cash flow from Financing Activities	25,038.31	33,039.32	35,747.92	11,429.21	5,059.70
  Net Cash Flow	-18,506.51	2,155.15	5,184.92	11,331.02	661.27
  Closing Cash & Cash Equivalent	8,383.00	26,889.51	24,734.37	19,549.44	8,218.42
  Closing Cash & Cash Equivalent Growth (%)	-68.82	8.71	26.52	137.87	8.75

  All figures in Rs Cr, unless mentioned otherwise

• Ratios

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Return on Equity (%)	-75.74	6.35	16.43	15.15	18.38
  Return on Assets (%)	-6.37	0.44	1.35	1.55	1.53
  Cost to Income (%)	92.56	37.25	34.42	32.34	29.31
  Interest income to Earning assets (%)	10.10	7.77	6.48	7.63	8.19
  Interest Expense to Earning assets (%)	7.46	5.20	4.01	4.94	5.42
  Price to Earnings (x)	-1.71	37.31	16.61	21.19	14.39
  Price to Book (x)	1.30	2.37	2.73	3.21	2.64
  Price to Sales (x)	1.08	2.15	3.46	4.31	2.69
  Operating Profit Margin (%)	-108.96	-10.01	-5.22	-5.34	-1.47

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Return on Equity (%)	-75.56	6.39	16.40	15.09	18.41
  Return on Assets (%)	-6.36	0.45	1.35	1.54	1.53
  Cost to Income (%)	92.50	37.05	34.27	32.18	29.17
  Interest income to Earning assets (%)	10.11	7.77	6.48	7.63	8.18
  Interest Expense to Earning assets (%)	7.47	5.20	4.01	4.94	5.42
  Price to Earnings (x)	-1.72	37.04	16.64	21.28	14.33
  Price to Book (x)	1.30	2.37	2.73	3.21	2.64
  Price to Sales (x)	1.08	2.15	3.46	4.31	2.69
  Operating Profit Margin (%)	-108.47	-9.68	-4.93	-5.03	-1.27

• Buy/Sell Signals

  No Data Available

• Price Analysis
  44%

  Positive Movement
  since 1st Jan 2005
  on basis

  55%

  Negative Movement
  since 1st Jan 2005
  on basis

  Exclude

  Global Meltdown1st Jan 2008 to 10th Nov 2008

  Covid Crisis1st Feb 2020 to 31st Mar 2020

• Pivot Levels

  R1	15.60	Pivot 15.50	S1	15.40
  R2	15.70		S2	15.30
  R3	15.90		S3	15.10

• Average True Range

  5 Days	14 Days	28 Days
  0.56	0.53	0.56

• Stock Performance
  • CHART
  • TABLE

  • 1D
  • 1W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 5Y

  • Choose from Peers

    Choose from Stocks

  NAME	1D	1W	1M	3M	1Y	3Y	5Y
  YES Bank	0.00	5.10	26.12	8.42	-75.48	-94.90	-89.56
  IndusInd Bank	0.44	4.96	32.76	46.10	-41.71	-45.45	-4.53
  Bandhan Bank	0.19	2.81	20.70	19.99	-33.78	0.00	0.00
  IDFC First Bank	1.35	1.90	22.39	18.14	-18.23	-31.09	-38.10
  City Union Bank	0.81	-3.22	13.60	27.70	-21.67	12.69	153.77
  Add More

  All values in %

  Choose from Peers

  • Federal Bank
  • RBL Bank
  • CSB Bank
  • DCB Bank
  • Karur Vysya Bank

  Choose from Stocks
• Ratio Performance

  NAME	P/E (x)	P/B (x)	ROE %	ROA %	Rev CAGR [3Yr]	OPM	NPM
  YES Bank	-2.47	1.30	-75.74	-6.37	22.32	-108.96	-63.07
  IndusInd Bank	24.28	0.71	12.94	1.45	24.10	-8.66	15.48
  Bandhan Bank	22.33	2.16	19.89	3.29	41.75	13.54	27.77
  IDFC First Bank	-15.68	0.66	-18.45	-1.90	22.98	-28.11	-17.50
  City Union Bank	32.51	1.80	8.99	0.95	9.75	-4.88	11.42
  Add More

  Annual Ratios (%)

  Choose from Peers

  • Federal Bank
  • RBL Bank
  • CSB Bank
  • DCB Bank
  • Karur Vysya Bank

  Choose from Stocks

• QoQ Change
  Category	30 Sep 2020	30 Jun 2020	31 Mar 2020	31 Dec 2019
  Promoters	0.00	0.00	1.42	8.33
  Pledge	0.00	0.00	1.69	2.59
  FII	12.79	1.66	1.86	15.56
  DII	47.65	69.11	69.17	13.81
  Mutual Funds	0.37	0.56	0.56	5.09
  Others	39.56	29.23	27.55	62.30

• Total Shareholdings
  Category	No. of Shares	Percentage	% Change QoQ
  Promoters	17,79,40,925	1.42 %	-6.91
  Pledge	30,00,000	1.69 %	-0.90
  FII	3,20,49,98,569	12.79 %	11.13
  DII	11,93,73,94,711	47.65 %	-21.46
  MF	9,16,14,955	0.37 %	-0.19
  Others	9,73,45,71,776	39.56 %	10.33

• Kotak Banking ETF Reg-D

  Equity: Sectoral-Banking

  • 0.00

    Amount Invested (in Cr.)

  • 0%

    % of AUM

  • 0.00

    % Change (MoM basis)

• HDFC HOF Series 1 1140D November 2017 (1) Direct-G

  Equity: Thematic

  • 10.54

    Amount Invested (in Cr.)

  • 0.39%

    % of AUM

  • -19.05

    % Change (MoM basis)

• UTI Nifty ETF

  Equity: Large Cap

  • 0.00

    Amount Invested (in Cr.)

  • 0%

    % of AUM

  • 0.00

    % Change (MoM basis)

• Recent

  Board Meeting

  Quarterly Results

  Oct 15, 2020

  General Meeting

  -

  Aug 17, 2020

  Board Meeting

  Quarterly Results

  Jul 27, 2020

• Board Meetings

  Announced on	Meeting on
  Oct 15, 2020	Oct 23, 2020
  Quarterly Results
  Jul 27, 2020	Jul 28, 2020
  Quarterly Results
  Apr 27, 2020	May 06, 2020
  Audited Results
  Mar 23, 2020	Mar 26, 2020
  To consider raising of funds
  Mar 09, 2020	Mar 14, 2020
  Quarterly Results

• Dividends

  Announced on	Ex-Date	Dividend%
  Apr 22, 2015	May 21, 2015	90%
  Apr 27, 2016	May 30, 2016	100%
  Apr 24, 2017	May 29, 2017	120%
  Apr 26, 2018	Jun 04, 2018	135%
  Apr 26, 2019	Jun 03, 2019	100%

• Bonus

  No Data Available

• Splits

  Announced on	Ex-Date
  Jul 26, 2017	Sep 21, 2017
  Split: Old FV10.0| New FV:2.0

• Rights

  No Data Available

• AGM/EGM Meetings

  Announced on	Meeting on
  Aug 17, 2020	Sep 10, 2020
  -
  Apr 22, 2020	May 24, 2020
  -
  Jan 14, 2020	Feb 07, 2020
  -
  May 02, 2019	-
  Book closure from Jun 6, 2019 to Jun 12, 2019
  May 02, 2019	-
  Book closure from Jun 6, 2019 to Jun 12, 2019

YES Bank Ltd., incorporated in the year 2003, is a banking company (having a market cap of Rs 38835.10 Crore).YES Bank Ltd. key Products/Revenue Segments include Interest & Discount on Advances & Bills which contributed Rs 22922.64 Crore to Sales Value (77.37 % of Total Sales), Income From Investment which contributed Rs 6048.42 Crore to Sales Value (20.41 % of Total Sales) and Interest which contributed Rs 256.11 Crore to Sales Value (0.86 % of Total Sales)for the year ending 31-Mar-2019. The Bank has reported a Gross Non Performing Assets (Gross NPAs) of Rs 32344.36 Crore (.00 % of total assets) and Net Non Performing Assets (Net NPAs) of Rs 7868.13 Crore (.00% of total assets).For the quarter ended 30-09-2020, the company has reported a Consolidated Interest Income of Rs 4431.09 Crore, down -2.97 % from last quarter Interest Income of Rs 4566.69 Crore and down -23.88 % from last year same quarter Interest Income of Rs 5821.09 Crore. The bank has reported net profit after tax of Rs 120.25 Crore in latest quarter.The bank’s top management includes Dr.Pratima Sheorey, Mr.T S Vijayan, Mr.Subhash Kalia, Mr.Ravneet Gill, Mr.Ravinder Kumar Khanna, Mr.R Gandhi, Mr.Maheswar Sahu, Mr.Brahm Dutt, Mr.Anil Jaggia, Mr.Ajai Kumar, Ms.Shagun Kapur Gogia. It has BSR & Co. LLP as its auditoRs As on 30-09-2020, the company has a total of 25,054,905,981 shares outstanding. Show More

YES Bank Ltd. share price remain unchanged 0.00% from its previous close of Rs 15.45. YES Bank Ltd. stock last traded price is 15.45

YES Bank Ltd. share price moved down by -0.39% from its previous close of Rs 15.46. YES Bank Ltd. stock last traded price is 15.40

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