GROUP 10

1. AMAR PRAKASH
2. ANKUR MITTAL
3. JIGYASU PRIT
4. LAL CHAND POONIA
5. RAJAT SHARMA
6. SANKAR DAS
7. SAURAV CHANDRA
 ABOUT YES BANK
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness
5 YEARS
Indias Fifth 2004
Financial
INCEPTION
5th 1% 2.5%
Largest Private
Sector Bank

860 BRANCHES 1600+ ATMs Market Share Highlights

SOME AWARDS &

RECOGNITIONS

Mr. RANA KAPOOR

MD & CEO
 ABOUT YES BANK
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

MILESTONES 2015
2012
2010
YES BANK was
Received the added to NIFTY
prestigious
2008 Ranked as India's Sustainable Bank
50, the
benchmark index
#1 Mid-Sized of the Year of the National
Raised 3,640 Bank ( < 50,000 Awarded the Best Stock Exchange
million in a cr) by the Managed Bank in Raised Indias
combination of Business Today- India by The Asian FIRST Green
2004 Upper Tier II
Subordinated
Launch of Version Banker Infrastructure
2.0 - YES BANKs
First branch Debt and Next Phase of Bonds for an
at Mumbai Hybrid Tier I Growth amount of 1000
Capital Crores
 CAPITAL ADEQUACY
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

ICICI YES KMB HDFC AXIS

CAPITAL ADEQUACY
20

Banks 2012 2013 2014 2015 2016 Rank 19

ICICI 18.52 18.74 17.7 17.02 16.64 1 18

YES 17.9 18.3 14.4 15.6 16.5 2 17

KMB 17.52 16.05 18.83 17.17 16.34 3 16

HDFC 16.52 16.8 16.07 16.79 15.53 4 15

AXIS 13.66 17 16.07 15.09 15.29 5 14

13

The results show that ICICI is at the top position under the 12
capital adequacy parameter, while the AXIS bank is at the
bottom. 11
2012 2013 2014 2015 2016

Tier 2 capital reduced to half in 2014.

Raised capital by Issuing Unsecured Green Infra bond(complied with Basel-III)
 ASSET QUALITY
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

Net NPA Ratio =Net NPA/Total Loan

yes bank icici axis hdfc kmb
3.50%
2012 2013 2014 2015 2016
3.00%
Yes
Bank 0.05% 0.01% 0.05% 0.12% 0.29% 2.50%
ICICI 0.73% 0.77% 0.97% 1.61% 2.90%
2.00%
Axis 0.60% 0.35% 0.44% 0.46% 0.74%
HDFC 0.20% 0.20% 0.27% 0.24% 0.20% 1.50%

KMB 0.60% 0.70% 1% 0.90% 1.00%

1.00%

0.50%
Under the asset quality parameter, the HDFC holds the
top rank just above Yes Bank while the ICICI holds the 0.00%
lowest rank. 2012 2013 2014 2015 2016
 MANAGEMENT SOUNDNESS
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

Business Per Employee

Income/Employee(in Rs Cr) Rank 2016 2015 2014 2013 2012

YES Bank 1 1.083 1.25 1.54 1.75 2.17

ICICI 3 0.91 0.90 0.75 0.78 0.70
KOTAK 5 0.61 0.37 0.38 0.39 0.32
HDFC 4 0.81 0.75 0.84 0.71 0.63
AXIS 2 1.00 1.033 1.038 1.00 1.06

Profit Per Employee

Profit/Employee (in Rs CR) Rank 2016 2015 2014 2013 2012
YES Bank 1 0.4506 0.4824 0.59 0.5923 0.736
ICICI 4 0.13 0.1646 0.135 0.1341 0.111
Kotak 5 0.067 0.059 0.056 0.057 0.049
HDFC 3 0.140 0.133 0.149 0.12275 0.1017
AXIS 2 0.165 0.1734 0.1742 0.164 0.163
 EARNINGS
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

Net RETURN ON EQUITY

YES ICICI HDFC KMB AXIS
ROE ROA NII Net NPA Worth
25
ICICI 10.8 1.1 4.5 3.0 941,040 20
18.4 1.5 2.9 0.3 137,624

ROE(%)
YES 15
10
KMB 10.4 1.4 4.1 1.1 333,606 5

HDFC 17.2 1.8 4.2 0.7 743,041 0

2012 2013 2014 2015 2016
AXIS 15.6 1.6 3.4 0.3 535,588
NET INTEREST MARGIN
YES ICICI HDFC KMB AXIS
The results show that YES bank has achieved the highest ROE 25
among its competitors for the current fiscal year and

Net Interest MArgin

20
managed to maintain a fairly resilient asset quality over the
15
year. However it lacks far behind in terms of net interest
10
income ratio ,ICICI bank being the highest in profitability.
5
0
2012 2013 2014 2015 2016
 EARNINGS
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

Credit Strengths :
High profitability and focus on efficiency
Sound buffers that are able to absorb additional asset
quality weakness; Adequate capitalization, given
rapid loan growth
High probability of government support resulting in
one-notch uplift from BCA for deposits.

Credit Challenges :
Rapidly expanding franchise, with a dominance of
corporate loans in its loan book
Higher dependence on corporate deposits relative to
peers, but growing retail deposit base
 LIQUIDITY
ABOUT YES BANK
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

Loans/Deposit 2013 2014 2015 2016 Rank

Yes bank has maintained adequate
loan to deposits ratio 85% however ICICI 0.99 1.00 1.04 1.05 1
as compared to other banks it
relies to an higher extent on KMB 0.97 0.92 0.88 0.86 3
corporate deposits, Such Deposits Yes 0.73 0.72 0.79 0.85 4
Consists of 44% of total deposits.
HDFC 0.80 0.81 0.81 0.83 5

Axis 0.77 0.80 0.84 0.91 2

Cash/Deposits 2013 2014 2015 2016

Cash-Deposit Ratio = (cash in hand
+ balances with RBI)/Aggregate ICICI 0.07 0.07 0.07 0.06
Deposits (Demand + Time Deposits)
Almost all the banks including Yes KMB 0.04 0.05 0.05 0.05
bank have maintained similar Cash Yes 0.05 0.06 0.06 0.05
to Deposit Ratio in the range of 5-
6% HDFC 0.05 0.07 0.06 0.06

Axis 0.06 0.06 0.06 0.06

 CAMEL RATING
ABOUT YES BANK
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

C A M E L Weighted Rank
average
score
YES
4 4 10 9 2 3.625 1
ICICI
2 5 7 13 1 3.5 2
HDFC
5 1 5 8 5 3 3
AXIS
1 3 8 10 3 3.125 4
KMB
3 2 2 6 4 2.125 5

Assumption:
Scores are given in descending order on the basis of ranks.
Weights are assumed equal
 SWOT
Management
About Capital adequacy Asset quality Earnings Liquidity SWOT
soundness

Strength
Bank had delivered RoA (annualized) at or above
1.5% and RoE (annualized) around 20%, over last eight
years, with the best-in-class Net NPA and Gross NPA ratios .
Bank has a superior Credit Appraisal process with highest
level of due diligence.
The robust risk management practices have resulted in top
quartile performance in asset quality delivery over the last 5 Minimal international presence which has limited its ability
years.
Weakness
Relatively small player in the Indian banking space with over
1.2% market share in Advances and 1.1% market share in
Deposits.
Its network of branches is also relatively lesser compared to
other larger players with lower presence in remote
locations.
to raise low-cost foreign currency funding, and pursue
international trade finance opportunities.

Opportunities
The large middle class with increasing incomes and banking
needs, along with a huge unbanked population, oers an
enormous retail opportunity for banks in India.
Monetization of gold, conscious eort to maintain positive
real interest rate along with financial inclusion are likely to
incentivize financial savings .
Threats
Changes in the RBI regulations, requiring banks to set up a
higher number of rural branches could also result in lower
profitability for Yes Bank.
As global markets become more competitive and volatile,
managing risk will become increasingly important.
recent regulatory changes including revised priority sector
norms, adoption of BASEL-III norms could result in lower