Yes Bank Ltd. benchmarking: Performance to industry peers

Financial

	Yes Bank	IDFC First Bank	Indusind Bank
Operational Metrics
Banks
Net Interest Margin	2.6 %	5.76 %	3.52 %
Yield On Advances	9.3 %	n/a	11.08 %
Gross NPA	1.5 %	1.69 %	3.56 %
Net NPA	0.3 %	0.53 %	1.04 %
CASA Ratio	34.0 %	51.6 %	30.24 %
CASA vs Liabilities	23.35 %	38.19 %	22.66 %
Credit Deposit Ratio	88.0 %	93.9 %	80.63 %
Cost To Income Ratio	66.1 %	71.8 %	66.22 %
Fresh Slippages - Quarterly	1050.0 Crs	n/a	2560.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.9 %	16.22 %	16.94 %
Tier I Capital	13.3 %	14.23 %	15.74 %
Tier 2 Capital	2.6 %	1.99 %	1.2 %
NBFC
Cost of Borrowing	5.9 %	6.11 %	5.26 %
Financials
5 yr Average ROE	0.23 %	5.71 %	10.41 %
5yr average Equity Multiplier	8.99	9.12	8.35
5yr Average Asset Turnover Ratio	0.08	0.12	0.1
5yr Avg Net Profit Margin	0.59 %	4.8 %	11.68 %
5yr Avg Net Profit Margin	0.59 %	4.8 %	11.68 %
5yr CAGR Net Profit	n/a	25.27 %	-2.55 %
5yr CAGR Sales	9.88 %	19.05 %	9.68 %
5 yr CAGR PPOP	-1.37 %	23.76 %	-2.13 %
Price to Book	1.13	1.12	0.94
P/E	17.94	33.35	0.0
Shareholdings
Promoter Holding	0.0	0.0	15.82 %
Share Pledged by Promoters	0.0	0.0	50.86 %
Change in Promoter Holding (3 Yrs)	0.0	-36.38 %	-0.69 %
Change in Mutual Fund Holding (3 Yrs)	3.11 %	6.92 %	11.4 %

Business

	Yes Bank	IDFC First Bank	Indusind Bank
Segment Break-Up	Segment Break-Up Consumer Finance 42.81 Corporate Banking 34.14 Treasury Operations 18.24 Others 4.81	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Others 100	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Others 100
Loan Break-Up	Loan Break-Up Consumer Finance 46.95 Corporate Banking 27.43 Investment Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Commercial Finance 0 Wheels 0 Digital, Gold Loan and Others 0 Rural Micro Finance 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Infrastructure 0 Financial Institutional Group 0 Large Corporates 0 Emerging Large Corporates 0 Credit Cards 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0 Others 25.62	Loan Break-Up Loan Against Property 28.0 Small and Micro Enterprise 0 Agriculture and allied activities 0 Personal loans 0 Rural Finance 6.0 Financial Services 9.0 Small & Medium Enterprises (SME) loans 5.0 0 Commercial Finance 3.0 Corporate Banking 0 Medium Enterprise 0 Gems and Jewellery 0 0 Consumer Finance 0 Large Industries 1.0 Credit Cards 3.0 Infrastructure 1.0 Basic Metal and Metal Products 0 Wheels 12.0 Services 0 Emerging Large Corporates 7.0 Digital, Gold Loan and Others 1.0 Investment Banking 0 Consumer Finance 3.0 Others 21.0	Loan Break-Up Mortgage Loans 0 Small and Micro Enterprise 0 Agricultural 13.5 Personal Loan 20.07 Rural Micro Finance 0 Financial Institutional Group 0 MSME Loans 0 0 Commercial Finance 0 Corporate Banking 0 Medium Enterprise 0 Gems & Jewelry 2.06 0 Consumer Finance 0 Large Corporates 0 Credit Cards 0 Infrastructure 3.3 Metals 2.51 Wheels 0 Services 47.78 Emerging Large Corporates 0 Digital, Gold Loan and Others 0 Investment Banking 0 Consumer Loans 0 Others 10.78
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Corporate / Wholesale Banking 56.69 Treasury 43.31 Retail Banking 0	-	Operating Profit Break-Up Retail Banking 68.01 Treasury 11.29 Corporate / Wholesale Banking 0 Others 20.7
Borrowings Break-Up	Borrowings Break-Up Tier II Borrowings 19.47 Borrowings outside India 12.95 Reserve Bank of India 1.54 IPDI 0 0 Long Term Infrastructure Bonds 0 Others 66.04	Borrowings Break-Up 0 Borrowings outside India 1.99 Tier II Borrowings 0 Reserve Bank of India 15.04 Long Term Infrastructure Bonds 0 IPDI 0 Others 82.97	Borrowings Break-Up 0 Borrowings outside India 33.69 Tier II Borrowings 0 Reserve Bank of India 0 Long Term Infrastructure Bonds 2.79 IPDI 0 Others 63.52
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 59.24 Priority Sector 40.76 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 30.6 Non Priority Sector 69.4	Priority vs Non-Priority Sector Priority Sector 31.0 Non Priority Sector 69.0
Rural vs Urban	Rural vs Urban Metro 34.0 Semi-urban 26.0 Urban 21.0 Rural 19.0	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-
NPA Break-Up	NPA Break-Up Retail 71.13 Corporate 12.15 MSME 0 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Services 0 Infrastructure- Transport 0 Infrastructure- Energy 0 Agriculture and allied activities 0 Industries - Other 0 Personal loans 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0 Others 16.72	NPA Break-Up Industrial & Commercial 18.26 Gems and Jewellery 0 Infrastructure- Energy 0 Auto loans 10.48 0 Agricultural 18.9 Services 18.1 Personal loans 0 Corporate 0 Retail 0 0 MSME 0 Infrastructure- Transport 0 Housing 4.67 Personal Loan 29.6 Industries - Other 0 Infrastructure 0 Basic Metal and Metal Products 0	NPA Break-Up Industry 0 Gems & Jewelry 0.05 Infrastructure- Energy 0 Vehicle Loans 0 0 Agricultural 45.15 Services 27.22 Personal Loan 17.63 Corporate 0 Retail 0 0 MSME 0 Infrastructure- Transport 0 Housing 0 Personal Loans - Others 0 Industries - Other 0 Infrastructure 1.21 Metals 0.12 Others 8.62

Yes Bank Ltd.

Yes Bank Ltd.

Financial

Business

SIGN UP FOR FREE