YES BANK LTD
NSE Symbol YESBANK
RESULTS FOR Q3 ENDING 31.12.2010
YES BANK has performed EXCELLENTLY in Q3 ending December, 2010.
Interest on Advances : is Rs.818 Cr – up by 12.77% from Q2; Up by 46.58% from Q1; up by 66.88% from Q4 of FY10; and up by a huge 73.76% from Q34 of FY10.
Income on Investments : is Rs.299 Cr – up by 33.36% from Q2; Up by 69.52% from Q1; Up by 74.21% from Q4 of FY10; and UP BY A HUGE 98.46% from Q3 of FY10.
Total Income : is Rs.1288 cr – up by 18.72% from Q2; Up by 45.84% from Q1; Up by 56.15% from Q4 of FY10; and UP BY A HUGE 70.76% from Q3 of FY10.
NET INTEREST INCOME (interest earned – interest expended): is Rs.323 Cr – up by 3.19% from Q2; up by 23.3% from Q1; Up by 32.35% from Q4 of FY10; and up by a HUGE 53.21% from Q3 of FY10.
OPERATING PROFIT : is Rs.311 Cr – up by 10.6% from Q2; Up by 25.03% from Q1; Up by 20.84% by Q4 of FY10; up by 43.99% from Q3 of FY10.
NET PROFIT is Rs.191 Cr – up by 8.43% from Q2; up by 22.22% from Q1; up by 36.49% from Q4 of FY10; and up by a Huge 51.77% from Q3 of FY10.
Capital Adequacy Ratio is excellent at 18.22.
Basic EPS is Rs. 5.52 against Rs.5.13 in Q2; Rs.4.59 in Q1; Rs.4.25 in Q4 of FY10 and Rs.4.2 in Q3 of FY10.
% of Gross/Net NPA at 0.06 indicates High Asset quality.
Return on Assets : is very good at 1.47.
Thus, Yes Bank has scored excellently on all parameters in this quarter.
Its C.A.R, together with return on assets and low NPAs indicates an excellent future performance by YES BANK. The coming quarters are likely to produce much better results also. Incidentally, yes Bank has been voted as the best Bank in its category in a recent survey by a prestigious Magazine. It has also attracted similar ratings in other surveys.
RESULTS IN NUMBERS :
| YES BANK | 31-Dec-10 | 30-Sep-10 | 30-Jun-10 | 31-Mar-10 | 31-Dec-09 |
| Interest on Advances | 81775 | 72515 | 55788 | 49003 | 47062 |
| DIF %1 | 818 | 12.77 | 46.58 | 66.88 | 73.76 |
| Income on Investments | 29933 | 22446 | 17658 | 17182 | 15083 |
| DIF %2 | 299 | 33.36 | 69.52 | 74.21 | 98.46 |
| Income on Balances With RBI | 702 | 282 | 292 | 186 | 362 |
| Others | 205 | 136 | 181 | 89 | 129 |
| Interest Earned | 112615 | 95379 | 73919 | 66460 | 62636 |
| Other Income | 16167 | 13100 | 14384 | 16014 | 12780 |
| Total Income | 128782 | 108479 | 88303 | 82474 | 75416 |
| DIF %3 | 1288 | 18.72 | 45.84 | 56.15 | 70.76 |
| Interest Expended | 80299 | 64063 | 47709 | 42043 | 41544 |
| NII | 32316 | 31316 | 26210 | 24417 | 21092 |
| DIF %4 | 323 | 3.19 | 23.3 | 32.35 | 53.21 |
| Employees Cost | 9033 | 8776 | 8123 | 7084 | 6271 |
| Other Operating Expenses | 8325 | 7499 | 7576 | 7590 | 5985 |
| Operating Expenses | 17358 | 16275 | 15699 | 14674 | 12256 |
| Operating Profit | 31125 | 28141 | 24895 | 25757 | 21616 |
| DIF %5 | 311 | 10.6 | 25.03 | 20.84 | 43.99 |
| Provisions | 2495 | 1744 | 1256 | 4256 | 2538 |
| Tax Expense | 9518 | 8771 | 8002 | 7498 | 6485 |
| Net Profit | 19112 | 17626 | 15637 | 14003 | 12593 |
| DIF %6 | 191 | 8.43 | 22.22 | 36.49 | 51.77 |
| Face Value(in Rs.) | 10 | 10 | 10 | 10 | 10 |
| Paid-up Equity | 34678 | 34525 | 34102 | 33967 | 30027 |
| Dividend (%) | - | - | - | 15 | - |
| Capital Adequacy Ratio | 18.22 | 19.43 | 16.57 | 20.61 | 16.19 |
| Basic EPS | 5.52 | 5.13 | 4.59 | 4.25 | 4.2 |
| Diluted EPS | 5.28 | 4.92 | 4.41 | 4.07 | 4.04 |
| % of Gross/Net NPA | 0.06 | 0.06 | 0.04 | 0.06 | 0.09 |
| Return on Assets | 1.47 | 1.52 | 1.62 | 1.7 | 1.8 |
| Public holding (%) | 73.4 | 73.28 | 72.95 | 72.84 | 69.28 |
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