Find the ratio of yes bank and balance sheet

1. FINANCIAL STATEMENT ANALYSIS
• SUBMITTED TO:
• DR.SUNIL VERMA
(FACULTY OF COMMERCE AND
MANAGEMET)
SGT UNIVERSITY
GURGAON
• SUBMITTED BY:
• ANUJ SINGH
BBA(GEN)
SECTION “A”
160604024

2. Type: public company
Trade as: BSE:532648 & NSE:YESBANK
Industry: banking & financial service
Founder: rana kapoor & ashok kapoor
Headquarters: mumbai, INDIA
Products: banking and finacial services
Revenue: US$3.7 billion(2015)
Net income: US$470 million(2015)
Total assets: US$14 billion(2015)

3. Listings and shareholding
Yes Bank equity shares are listed on Bombay Stock Exchange and the National Stock Exchange
of India
Shareholders (as on 31-Mar-2013) Shareholding[12]
Promoter Group 25.72%
Foreign Institutional Investors (FII) 48.95%
Individual shareholders 09.44%
Insurance Companies 09.27%
Banks/Financial Institutions/Mutual Funds/UTI 03.87%
Others 02.855%
Total 100.0%

4. Awards and Recognitions
•Yes Bank, received “India’s Fastest Growing Bank of the Year” award at
the Bloomberg UTV Financial Leadership Awards 2011
•Bank of the Year India, The Banker London - 2015
•YES BANK was voted India's 3rd Most Trusted Private Bank in 2014
according to the Brand Trust Report 2014, a study conducted by Trust
Research Advisory, a brand analytics company.
•YES BANK won the GOLDEN PEACOCK INNOVATIVE PRODUCE/SERVICE
AWARD-2017

5. Last 5 years
balance sheet of
yes bank

6. Parameters MAR'17 MAR'16 MAR'15 MAR'14 MAR'13
(₹ Cr.) (₹ Cr.) (₹ Cr.) (₹ Cr.) (₹ Cr.)
SOURCES OF FUNDS
Share warrants & Outstandings 0 0 0 0 0
Share Capital 456.49 420.53 417.74 360.63 358.62
Total Reserve 21,597.57 13,366.07 11,262.25 6,761.11 5,449.05
Deposits 1,42,873.86 1,11,719.53 91,175.85 74,192.02 66,955.59
Borrowings 38,606.67 31,658.98 26,220.40 21,314.29 20,922.15
Shareholder's Funds 22,054.06 13,786.60 11,679.98 7,121.74 5,807.67
Other Liabilities & Provisions 11,525.33 8,098.30 7,094.18 6,387.75 5,418.72
TOTAL LIABILITIES 2,15,059.92 1,65,263.41 1,36,170.41 1,09,015.79 99,104.13
APPLICATION OF FUNDS:
Cash and balance with Reserve Bank of India 6,952.07 5,776.16 5,240.65 4,541.57 3,338.76
Balances with banks and money at call and short notice 12,597.37 2,442.26 2,316.50 1,350.10 727
Investments 50,031.80 48,838.47 43,228.49 40,950.36 42,976.04
Advances 1,32,262.68 98,209.93 75,549.82 55,632.96 46,999.57
Gross Block 1,212.37 850.92 627.99 532.24 427.12
Less : Accumulated Depreciation 603.51 438.97 334.59 258.95 208.67
Less : Impairment of Assets 0 0 0 0 0
Net Block 608.86 411.95 293.4 273.29 218.45
Lease Adjustment 0 0 0 0 0
Capital Work in Progress 74.67 58.77 25.57 20.18 11.09
Other Assets 12,532.46 9,525.88 9,515.98 6,247.33 4,833.21
TOTAL ASSETS 2,15,059.92 1,65,263.41 1,36,170.41 1,09,015.79 99,104.13
Contingent Liability 3,79,564.16 3,31,239.20 3,37,299.25 2,01,016.82 2,47,804.35
Bills for collection 1,390.00 1,558.87 1,373.94 997.06 677.4

7. Profit and loss
Parameters MAR'17 MAR'16 MAR'15 MAR'14 MAR'13
(₹ Cr.) (₹ Cr.) (₹ Cr.) (₹ Cr.) (₹ Cr.)
I. INCOME
Interest Earned 16,424.64 13,533.44 11,572.01 9,981.35 8,294.00
Other Income 4,156.76 2,712.15 2,046.46 1,721.58 1,257.43
Total Income 20,581.40 16,245.59 13,618.46 11,702.93 9,551.43
II. EXPENDITURE
Interest Expended 10,627.34 8,966.72 8,084.17 7,265.09 6,075.21
Operating Expenses 4,116.54 2,976.37 2,284.71 1,749.87 1,334.54
PBIDT 5,837.52 4,302.50 3,249.59 2,687.97 2,141.69
Provisions and Contingencies 793.41 536.3 339.48 361.68 215.95
Profit Before Tax 5,044.12 3,766.20 2,910.11 2,326.28 1,925.73
Taxes 1,714.02 1,226.75 904.75 708.5 625.05
Total 17,251.30 13,706.14 11,613.10 10,085.15 8,250.75
III. Profit & Loss
PAT 3,330.10 2,539.45 2,005.36 1,617.78 1,300.68
Extraordinary Items 0 0 0 0 0
Profit brought forward 5,544.68 4,220.05 3,207.46 2,338.37 1,658.39
Adjusted Net Profit 0 0 0 0 0
Total Profit & Loss 3,330.10 2,539.45 2,005.36 1,617.78 1,300.68
Appropriations 8,874.78 6,759.50 5,212.82 3,956.15 2,959.07
Equity Dividend (%) 0 0 0 0 0
Earnings Per Share (in ₹) 0 0 0 0 0
Book Value (in ₹) 0 0 0 0 0

8. Cash flow
Parameters MAR'17 MAR'16 MAR'15 MAR'14 MAR'13
(₹ Cr.) (₹ Cr.) (₹ Cr.) (₹ Cr.) (₹ Cr.)
Net Profit Before Taxes 5,044.12 3,766.20 2,910.11 2,326.28 1,925.73
Adjustments for Expenses & Provisions 1,031.31 699.23 469.44 469.4 310.02
Adjustments for Liabilities & Assets 178.14
-
3,398.78
-
4,681.14 2,483.85 -1,043.47
Cash Flow from operating activities 4,378.65 -291.89
-
2,340.28 4,448.94 540.64
Cash Flow from investing activities
-
4,473.12
-
4,035.28
-
3,608.20
-
2,798.92 -6,741.53
Cash Flow from financing activities
11,429.2
1 4,988.75 7,613.96 175.89 6,681.11
Effect of exchange fluctuation on translation reserve -3.72 -0.31 0 0 0
Net increase/(decrease) in cash and cash equivalents
11,334.7
4 661.58 1,665.49 1,825.90 480.22
Opening Cash & Cash Equivalents 8,218.42 7,557.15 5,891.66 4,065.76 3,585.54
Cash & Cash Equivalent on Amalgamation / Take over /
Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn
subsidiaries 0 0 0 0 0
Effect of Foreign Exchange

9. Operational & Financial Ratios:
17-Mar 16-Mar 15-Mar 14-Mar 13-Mar
Earnings Per
Share (Rs) 72.95 60.39 48.01 44.86 36.27
DPS(Rs) 12 10 9 8 6
Book
NAV/Share(Rs) 483.13 327.84 279.6 197.48 161.94

10. Margin Ratios:
17-Mar 16-Mar 15-Mar 14-Mar 13-Mar
yield of advances 12.42 13.78 15.32 17.94 17.65
yield of investments 9.01 7.72 8.09 8.74 7.02
cost of liability 5.86 6.25 6.89 7.61 6.91
NIM 2.87 2.94 2.76 2.65 2.36
intreast spread 6.56 7.53 8.43 10.33 10.73

11. Performance Ratios:
17-Mar 16-Mar 15-Mar 14-Mar 13-Mar
ROA(%) 1.75 1.68 1.64 1.55 1.51
ROE(%) 18.58 19.94 21.33 25.02 24.81
ROCE(%) 14.08 13.33 13.44 14.4 15.09

12. Efficiency Ratios:
17-Mar 16-Mar 15-Mar 14-Mar 13-Mar
Cost Income Ratio 41.36 40.89 41.28 39.43 38.39
Core Cost Income Ratio 44.54 42.41 42.37 40.96 40.19
Operating Costs to Assets 1.91 1.8 1.68 1.61 1.35

13. Capitalisation Ratios:
Tier 1 ratio 0.00 0.00 0.00 0.00 0.00
Tier 2 ratio 0.00 0.00 0.00 0.00 0.00
CAR 0.00 0.00 0.00 0.00 0.00

14. Valuation Parameters:
PER(x) 21.23 14.32 17.01 9.22 11.82
PCE(x) 20.2 13.72 16.32 8.87 11.36
Price / Book(x) 3.21 2.64 2.92 2.09 2.65
Yield(%) 0.77 1.16 1.1 1.93 1.4
EV / Net Sales(x) 6.66 5.03 5.21 3.63 4.38
EV / Core EBITDA(x) 18.73 15.81 18.57 13.48 16.95
EV / EBIT(x) 6.98 5.34 5.49 3.78 4.54
EV / CE(x) 0.51 0.41 0.44 0.33 0.37
M Cap / Sales 4.31 2.69 2.95 1.49 1.85

15. Growth Ratio:
Core Operating Income Growth 26.95 30.93 28.41 22.42 37.33
Operating Profit Growth -7.36 -0.51 -4.76 -19.02 -28
Net Profit Growth 31.13 26.63 23.96 24.38 33.13
BVPS Growth 47.37 17.25 41.59 21.94 22.23
Advances Growth 34.67 29.99 35.8 18.37 23.72
EPS Growth(%) 20.81 25.79 7.01 23.69 31.04

16. Liquidity Ratios:
Loans / Deposits(x) 0.27 0.28 0.29 0.29 0.31
Total Debt / Equity(x) 0.05 0.05 0.06 0.06 0.05
Current Ratio(x) 0.35 0.44 0.47 0.55 0.64
Quick Ratio(x) 27.02 28.34 28.76 28.73 31.25
Total Debt / Mcap(x) 0 0 0 0 0
Net NPA in Rs. Million 0 0 0 0 0

17. THANK YOU