- YES Bank is a private bank founded in 2004 that has expanded rapidly, with the number of offices increasing from 118 to 428 and number of employees increasing from 2671 to 7024 from 2008-2013.
- Financially, deposits increased 76% while investments and interest income increased around 84% and 76% respectively over the five-year period. Return on equity rose 27% showing increased profits.
- Compared to other private and commercial banks, YES Bank has increased the number of offices and business per employee at a higher rate but has a lower increase in number of employees, possibly to control costs.
The document summarizes a study on the demography of loan customers of Punjab National Bank in India. Some key findings of the study include: males make up a higher percentage of loan customers than females; most customers are students or government employees; educational loans made up the highest percentage of loans disbursed. The study also assessed customer satisfaction with the bank's services and processing times. It provides recommendations on how the bank can improve customer awareness of products and services to gain more customers.
The State Bank of India (SBI) is India's largest bank. It was founded in 1806 and nationalized by the Indian government in 1955. SBI has over 21,500 branches across India and 172 branches in 37 foreign countries. It has assets of over $369 billion and employs over 222,933 people, making it one of India's largest employers. SBI provides various banking services to individuals and businesses, including loans, deposits, credit cards, and investment services.
Here are the key products and services offered by Axis Bank:
1. Deposits: Savings Account, Salary Account, Current Account, Fixed Deposits, Recurring Deposits, Tax Saver Fixed Deposits, Auto Fixed Deposits, Fixed Deposits Plus
2. Cards: Credit Cards, Debit Cards, Pre-paid Cards, Commercial Credit Cards, Commercial Debit Cards, Transit Cards
3. Other Services: Axis Direct Invest Account, Safe Deposit Locker, National Pension System (NPS), Axis Active Digital Payment Assistant, Sukanya Samriddhi
The bank provides a wide range of deposit products and card services for both retail and commercial customers.
This document provides an overview of Yes Bank, a private sector bank in India. It discusses Yes Bank's founding, branches, employees, services, and leadership. The summary focuses on key details:
Yes Bank is a leading private sector bank in India founded in 2004 with over 570 branches across 375 cities. The bank has over 8,000 employees and focuses on technology-driven banking services. The bank's Managing Director and CEO, Rana Kapoor, received several awards in 2014 for his leadership and the bank's innovations.
The document provides information about Axis Bank's products and services. It describes various retail banking facilities like ATMs, internet banking, loans, and cash management services. The cash management services help corporate customers in managing receivables through collection solutions and payments through options like bulk payments. It also discusses managing resources through liquidity management and managing taxes using CBDT and CBEC collection services.
Sip report on NPA analysis at Bandhan BankAnjaliSingh748
Bandhan Bank was originally established as GRUH Finance in 1988 as a housing finance subsidiary of HDFC. It focused on providing loans in rural areas of India. In 2019, GRUH Finance merged with Bandhan Bank. Bandhan Bank began as a microfinance institution in 2001 in West Bengal. It received a banking license in 2014 and became a universal bank. The document discusses the history and operations of Bandhan Bank and its subsidiary GRUH Finance, which provides home loans across rural India. It also provides an overview of the banking industry and structure in India.
summer internship project report on union bank of indiaabhishek rane
The document is a summer internship report submitted by Abhishek Krishnakumar Rane for their Master of Management Studies program through BES's Institute of Management Studies and Research. The report discusses a project conducted at Union Bank of India on opportunities in the power sector and assessing credit viability of power projects. It provides an overview of Union Bank of India, including its vision, mission, history and products/services. It also examines the bank's financial performance, strategies, and departments like marketing, finance, and HR. The report aims to gain comprehensive knowledge of the power sector and analyze various aspects of power project financing in India.
Bank of Baroda is the third largest public sector bank in India. It was founded in 1908 and is headquartered in Baroda. As of fiscal year 2009, it had over 3,000 branches including 70 overseas, with total assets of Rs. 2.27 trillion and net profits of Rs. 2.22 trillion. The bank focuses on increasing retail credit, maintaining high asset quality ratios, and growing its total business while protecting asset quality. Going forward, it aims to achieve 20-22% total business growth by focusing on low-cost deposits and adding 2.5-3 million new customers annually.
The document summarizes a study on the demography of loan customers of Punjab National Bank in India. Some key findings of the study include: males make up a higher percentage of loan customers than females; most customers are students or government employees; educational loans made up the highest percentage of loans disbursed. The study also assessed customer satisfaction with the bank's services and processing times. It provides recommendations on how the bank can improve customer awareness of products and services to gain more customers.
The State Bank of India (SBI) is India's largest bank. It was founded in 1806 and nationalized by the Indian government in 1955. SBI has over 21,500 branches across India and 172 branches in 37 foreign countries. It has assets of over $369 billion and employs over 222,933 people, making it one of India's largest employers. SBI provides various banking services to individuals and businesses, including loans, deposits, credit cards, and investment services.
Here are the key products and services offered by Axis Bank:
1. Deposits: Savings Account, Salary Account, Current Account, Fixed Deposits, Recurring Deposits, Tax Saver Fixed Deposits, Auto Fixed Deposits, Fixed Deposits Plus
2. Cards: Credit Cards, Debit Cards, Pre-paid Cards, Commercial Credit Cards, Commercial Debit Cards, Transit Cards
3. Other Services: Axis Direct Invest Account, Safe Deposit Locker, National Pension System (NPS), Axis Active Digital Payment Assistant, Sukanya Samriddhi
The bank provides a wide range of deposit products and card services for both retail and commercial customers.
This document provides an overview of Yes Bank, a private sector bank in India. It discusses Yes Bank's founding, branches, employees, services, and leadership. The summary focuses on key details:
Yes Bank is a leading private sector bank in India founded in 2004 with over 570 branches across 375 cities. The bank has over 8,000 employees and focuses on technology-driven banking services. The bank's Managing Director and CEO, Rana Kapoor, received several awards in 2014 for his leadership and the bank's innovations.
The document provides information about Axis Bank's products and services. It describes various retail banking facilities like ATMs, internet banking, loans, and cash management services. The cash management services help corporate customers in managing receivables through collection solutions and payments through options like bulk payments. It also discusses managing resources through liquidity management and managing taxes using CBDT and CBEC collection services.
Sip report on NPA analysis at Bandhan BankAnjaliSingh748
Bandhan Bank was originally established as GRUH Finance in 1988 as a housing finance subsidiary of HDFC. It focused on providing loans in rural areas of India. In 2019, GRUH Finance merged with Bandhan Bank. Bandhan Bank began as a microfinance institution in 2001 in West Bengal. It received a banking license in 2014 and became a universal bank. The document discusses the history and operations of Bandhan Bank and its subsidiary GRUH Finance, which provides home loans across rural India. It also provides an overview of the banking industry and structure in India.
summer internship project report on union bank of indiaabhishek rane
The document is a summer internship report submitted by Abhishek Krishnakumar Rane for their Master of Management Studies program through BES's Institute of Management Studies and Research. The report discusses a project conducted at Union Bank of India on opportunities in the power sector and assessing credit viability of power projects. It provides an overview of Union Bank of India, including its vision, mission, history and products/services. It also examines the bank's financial performance, strategies, and departments like marketing, finance, and HR. The report aims to gain comprehensive knowledge of the power sector and analyze various aspects of power project financing in India.
Bank of Baroda is the third largest public sector bank in India. It was founded in 1908 and is headquartered in Baroda. As of fiscal year 2009, it had over 3,000 branches including 70 overseas, with total assets of Rs. 2.27 trillion and net profits of Rs. 2.22 trillion. The bank focuses on increasing retail credit, maintaining high asset quality ratios, and growing its total business while protecting asset quality. Going forward, it aims to achieve 20-22% total business growth by focusing on low-cost deposits and adding 2.5-3 million new customers annually.
State Bank of India (SBI) is India's largest bank. It was formed in 1955 by the government merging the Imperial Bank of India with various state-associated banks. SBI has over 21,500 branches across India and 172 offices in foreign countries. It has various subsidiaries and associate banks within India. SBI continues to be a pioneer in the Indian banking sector and aims to further financial inclusion through its services.
HDFC Bank was established in 1994 as one of the first private sector banks in India. It is committed to maintaining high ethical standards and focuses on operational excellence, customer focus, product leadership, and people. The bank provides a wide range of financial products and services. It has over 1,400 branches across India and aims to be a world-class Indian bank through high quality customer service and risk management practices. The bank has received several awards recognizing its leadership in areas such as retail banking, trade finance, and IT governance.
This document is a project report on analyzing the banking sector in India, specifically focusing on State Bank of India. It includes an introduction to SBI covering its history, vision, board of directors, and awards. It also describes the research methodology used and provides an index of topics to be covered on SBI and another public sector bank. Finally, it contains declarations by the student and their guide certifying the original work. In summary, this document presents a student's research project on analyzing State Bank of India and another public sector bank in India for an MBA program.
Banking history types services Revolution by bhushankBhushan Kasture
This document discusses the history and types of banking in India. It notes that 76% of Indians are not financially literate according to an S&P survey. It then provides information on the key laws governing banking in India - the Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949.
It discusses the origins of banking dating back to 2000 BC in ancient Assyria and Babylonia. It also outlines the various types of banks in India including central banks, commercial banks, cooperative banks, development banks, and investment/merchant banks. For each type of bank, it provides details on their roles and functions. In conclusion, it emphasizes how technology and e-banking have revolutionized the Indian
This document is an internship project report submitted by Sunil Nandi to the National Institute of Technology in Rourkela, India in partial fulfillment of an MBA program. The report focuses on the core banking and finance activities of Allahabad Bank's Howrah Main branch. It includes an introduction to Allahabad Bank's history and operations. The report then discusses the bank's vision, mission, products and services. It describes the research methodology and analyzes data related to Allahabad Bank's credit appraisal process and types of commercial loans.
The document provides an overview of the banking industry in India. It discusses that banks accept deposits and channel those deposits into lending activities. It then outlines the major functions of banks which include accepting deposits, lending money, remittances, locker facilities, and foreign exchange business. The document notes that the first bank started in India in 1786 and discusses some key milestones in the development of the banking industry in India such as the nationalization of banks in 1969 and liberalization in 1991. It categorizes the banking industry into public sector banks, private sector banks, and cooperative sector and provides details about each. The document also discusses challenges faced by the banking industry such as deregulation and new rules, and future outlooks around risk management
This document provides an overview of State Bank of India (SBI), including its history, operations, subsidiaries, competitors, and awards. Some key points:
- SBI is India's largest bank by assets and has a network of over 17,000 branches across India and 180 international offices.
- It has roots dating back to 1806 and was formed by the merger and nationalization of various state-associated banks.
- In addition to traditional banking, SBI has numerous non-banking subsidiaries and five associate banks that operate under the SBI brand.
- Major competitors in the public sector space include Punjab National Bank and major private sector competitors include HDFC Bank.
- SBI has received
This document provides an overview of the history and operations of State Bank of India. It discusses how SBI originated from three presidency banks (Bank of Bengal, Bank of Bombay, and Bank of Madras) established in the early 19th century in India. These banks amalgamated in 1921 to form the Imperial Bank of India, which later became the State Bank of India. The document outlines SBI's key business areas including national banking, international banking, corporate banking, and treasury operations. It also provides details on SBI's management, shareholding, and the historical business activities of the original presidency banks in India.
India's banking sector is booming, with many banks focusing on retail customers by offering internet, phone, and mobile banking services. This has helped banks tap into India's growing middle class. The sector has seen proliferation of new services and adoption of technologies like ATMs, telephone banking, and online banking. Nationalization in 1969 led to increased branches and higher deposits and loans over time.
The document provides details about the author's inplant training experience at the Bank of Maharashtra. It discusses how the author learned about the bank's operations, departments, products/services, and how it works to achieve its vision and mission. The author found the experience valuable in understanding the banking sector and different roles from a management perspective. Key information about the Bank of Maharashtra's history, profile, and milestones are also summarized.
This document provides a summary of Axis Bank, including its history, organization, markets, and products/services. Some key points:
- Axis Bank was established in 1994 as one of the first new private sector banks in India after reforms allowed private banks.
- It has over 4,000 branches and 12,000+ ATMs across India and 7 international offices.
- The bank offers a wide range of personal, corporate, SME, and investment banking products and services.
- Axis Bank aims to be a preferred financial solutions provider through customer focus, empowered employees, and technology.
I Tried to give a detail on this ppt which will make u clear all about SBI. Many things i mentioned like the competitors ... its ATM ... do have a look and download if u need it
Comparative analysis of products & services of Axis Bank with its competitors Supriya Mondal
This document provides a summer internship project report submitted by Supriya Mondal to Ramaiah Institute of Management in partial fulfillment of the requirements for a Post Graduate Diploma in Management. The report details Supriya's internship project at Axis Bank Ltd, including an industry analysis of the banking sector in India, an analysis of Axis Bank, and a description of Supriya's roles and responsibilities during the internship. Key points covered include the history and growth of banking in India, the structure of the Indian banking system, major players in the sector, and products and services offered by Axis Bank.
ICICI Bank is one of the largest private sector banks in India. It was established in 1955 as the Industrial Credit and Investment Corporation of India. Some key points about ICICI Bank:
- It has a large network of over 3,500 branches within India and a presence in 19 other countries.
- The bank has numerous subsidiaries that offer services like insurance, asset management, investment banking, etc.
- Over the years it has acquired several other companies to expand its operations, like Bank of Madura, Bank of Rajasthan.
- It offers many innovative products for retail and corporate customers like its Facebook banking app 'Pockets', a flexible recurring deposit called 'iWish', and
The Bank of Baroda was founded in 1908 in India and was later nationalized by the Indian government in 1969. It is currently one of the largest banks in India with over 5,500 branches worldwide. In 2018, the Indian government proposed merging Bank of Baroda, Vijaya Bank, and Dena Bank to create the third largest bank in India in an effort to consolidate the country's banking system. Bank of Baroda offers a wide range of personal and commercial banking services both within India and internationally.
- Tata Steel has stronger operating ratios like ROCE and EBIT margin compared to Jindal Steel, which had negative EBIT for 2014-15. Tata Steel's ratios decreased due to greenfield expansion spending but it has sufficient assets to cover new projects.
- Tata Steel's operating cycle is 54 days while Jindal Steel's is 117 days, meaning Tata Steel's working capital churns more frequently. Jindal Steel also has higher costs and debt.
- While both companies have positive net working capital, Jindal Steel is highly leveraged with most of its long-term sources from debt, putting it at high risk even as it makes losses.
State Bank of India (SBI) is India's largest bank. It was formed in 1955 by the government merging the Imperial Bank of India with various state-associated banks. SBI has over 21,500 branches across India and 172 offices in foreign countries. It has various subsidiaries and associate banks within India. SBI continues to be a pioneer in the Indian banking sector and aims to further financial inclusion through its services.
HDFC Bank was established in 1994 as one of the first private sector banks in India. It is committed to maintaining high ethical standards and focuses on operational excellence, customer focus, product leadership, and people. The bank provides a wide range of financial products and services. It has over 1,400 branches across India and aims to be a world-class Indian bank through high quality customer service and risk management practices. The bank has received several awards recognizing its leadership in areas such as retail banking, trade finance, and IT governance.
This document is a project report on analyzing the banking sector in India, specifically focusing on State Bank of India. It includes an introduction to SBI covering its history, vision, board of directors, and awards. It also describes the research methodology used and provides an index of topics to be covered on SBI and another public sector bank. Finally, it contains declarations by the student and their guide certifying the original work. In summary, this document presents a student's research project on analyzing State Bank of India and another public sector bank in India for an MBA program.
Banking history types services Revolution by bhushankBhushan Kasture
This document discusses the history and types of banking in India. It notes that 76% of Indians are not financially literate according to an S&P survey. It then provides information on the key laws governing banking in India - the Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949.
It discusses the origins of banking dating back to 2000 BC in ancient Assyria and Babylonia. It also outlines the various types of banks in India including central banks, commercial banks, cooperative banks, development banks, and investment/merchant banks. For each type of bank, it provides details on their roles and functions. In conclusion, it emphasizes how technology and e-banking have revolutionized the Indian
This document is an internship project report submitted by Sunil Nandi to the National Institute of Technology in Rourkela, India in partial fulfillment of an MBA program. The report focuses on the core banking and finance activities of Allahabad Bank's Howrah Main branch. It includes an introduction to Allahabad Bank's history and operations. The report then discusses the bank's vision, mission, products and services. It describes the research methodology and analyzes data related to Allahabad Bank's credit appraisal process and types of commercial loans.
The document provides an overview of the banking industry in India. It discusses that banks accept deposits and channel those deposits into lending activities. It then outlines the major functions of banks which include accepting deposits, lending money, remittances, locker facilities, and foreign exchange business. The document notes that the first bank started in India in 1786 and discusses some key milestones in the development of the banking industry in India such as the nationalization of banks in 1969 and liberalization in 1991. It categorizes the banking industry into public sector banks, private sector banks, and cooperative sector and provides details about each. The document also discusses challenges faced by the banking industry such as deregulation and new rules, and future outlooks around risk management
This document provides an overview of State Bank of India (SBI), including its history, operations, subsidiaries, competitors, and awards. Some key points:
- SBI is India's largest bank by assets and has a network of over 17,000 branches across India and 180 international offices.
- It has roots dating back to 1806 and was formed by the merger and nationalization of various state-associated banks.
- In addition to traditional banking, SBI has numerous non-banking subsidiaries and five associate banks that operate under the SBI brand.
- Major competitors in the public sector space include Punjab National Bank and major private sector competitors include HDFC Bank.
- SBI has received
This document provides an overview of the history and operations of State Bank of India. It discusses how SBI originated from three presidency banks (Bank of Bengal, Bank of Bombay, and Bank of Madras) established in the early 19th century in India. These banks amalgamated in 1921 to form the Imperial Bank of India, which later became the State Bank of India. The document outlines SBI's key business areas including national banking, international banking, corporate banking, and treasury operations. It also provides details on SBI's management, shareholding, and the historical business activities of the original presidency banks in India.
India's banking sector is booming, with many banks focusing on retail customers by offering internet, phone, and mobile banking services. This has helped banks tap into India's growing middle class. The sector has seen proliferation of new services and adoption of technologies like ATMs, telephone banking, and online banking. Nationalization in 1969 led to increased branches and higher deposits and loans over time.
The document provides details about the author's inplant training experience at the Bank of Maharashtra. It discusses how the author learned about the bank's operations, departments, products/services, and how it works to achieve its vision and mission. The author found the experience valuable in understanding the banking sector and different roles from a management perspective. Key information about the Bank of Maharashtra's history, profile, and milestones are also summarized.
This document provides a summary of Axis Bank, including its history, organization, markets, and products/services. Some key points:
- Axis Bank was established in 1994 as one of the first new private sector banks in India after reforms allowed private banks.
- It has over 4,000 branches and 12,000+ ATMs across India and 7 international offices.
- The bank offers a wide range of personal, corporate, SME, and investment banking products and services.
- Axis Bank aims to be a preferred financial solutions provider through customer focus, empowered employees, and technology.
I Tried to give a detail on this ppt which will make u clear all about SBI. Many things i mentioned like the competitors ... its ATM ... do have a look and download if u need it
Comparative analysis of products & services of Axis Bank with its competitors Supriya Mondal
This document provides a summer internship project report submitted by Supriya Mondal to Ramaiah Institute of Management in partial fulfillment of the requirements for a Post Graduate Diploma in Management. The report details Supriya's internship project at Axis Bank Ltd, including an industry analysis of the banking sector in India, an analysis of Axis Bank, and a description of Supriya's roles and responsibilities during the internship. Key points covered include the history and growth of banking in India, the structure of the Indian banking system, major players in the sector, and products and services offered by Axis Bank.
ICICI Bank is one of the largest private sector banks in India. It was established in 1955 as the Industrial Credit and Investment Corporation of India. Some key points about ICICI Bank:
- It has a large network of over 3,500 branches within India and a presence in 19 other countries.
- The bank has numerous subsidiaries that offer services like insurance, asset management, investment banking, etc.
- Over the years it has acquired several other companies to expand its operations, like Bank of Madura, Bank of Rajasthan.
- It offers many innovative products for retail and corporate customers like its Facebook banking app 'Pockets', a flexible recurring deposit called 'iWish', and
The Bank of Baroda was founded in 1908 in India and was later nationalized by the Indian government in 1969. It is currently one of the largest banks in India with over 5,500 branches worldwide. In 2018, the Indian government proposed merging Bank of Baroda, Vijaya Bank, and Dena Bank to create the third largest bank in India in an effort to consolidate the country's banking system. Bank of Baroda offers a wide range of personal and commercial banking services both within India and internationally.
- Tata Steel has stronger operating ratios like ROCE and EBIT margin compared to Jindal Steel, which had negative EBIT for 2014-15. Tata Steel's ratios decreased due to greenfield expansion spending but it has sufficient assets to cover new projects.
- Tata Steel's operating cycle is 54 days while Jindal Steel's is 117 days, meaning Tata Steel's working capital churns more frequently. Jindal Steel also has higher costs and debt.
- While both companies have positive net working capital, Jindal Steel is highly leveraged with most of its long-term sources from debt, putting it at high risk even as it makes losses.
Yes Bank aims to mainstream development into Indian banking through several initiatives. It focuses on agribusiness, rural and social banking, microfinance, and sustainable investment banking. For financial inclusion, Yes Bank partners with Nokia and Obopay to offer mobile banking services. It also uses business correspondents to expand rural banking through village-level agents. Overall, Yes Bank develops specialized business units to create viable development-focused businesses for the bank.
This document summarizes the history and operations of Yes Bank, an Indian private sector bank. It discusses that Yes Bank was founded in 2004 by Rana Kapoor and has grown to be one of the largest private banks in India. The document also outlines some of Yes Bank's key business lines and facilities including loans, export financing, and bank guarantees. Finally, it describes some historical milestones like receiving awards and expanding its branch network over the years.
This document discusses the differences in corporate governance between banks and other firms. It argues that banks require different corporate governance structures than manufacturing companies due to their unique capital structure, liquidity production function, deposit insurance, and risk of moral hazard. The governance of banks is complicated by the many stakeholders involved, including depositors, taxpayers, and regulators. Bank boards of directors play a crucial role in governance but also face additional expectations from regulators beyond other industries. The document also analyzes empirical data that finds bank holding company boards are typically larger with 18 members on average compared to 12 for manufacturing firms. Bank boards are also subject to more meetings per year due to state regulations.
Yes Bank was founded in 2004 by Ashok Kapur and Rana Kapoor in India. It received several awards for its rapid growth and innovations. The bank aimed to expand significantly by 2015 with over 900 branches across India serving over 100,000 crores in advances. RBI granted Yes Bank its banking license in 2004 allowing it to commence banking operations in India.
It is the story about the YES Bank.
How YES bank become the topper in private sector bank after its launching in year 2004.
The information related to the slides can be found easily on net.
The document discusses trends in the Indian financial system. It outlines that a modern economy relies on a sound financial system to facilitate the flow of funds from surplus to deficit areas. The Indian financial system consists of financial markets, instruments, and intermediaries. Financial markets include money markets, capital markets, forex markets, and credit markets. Key financial instruments are discussed for both money and capital markets. Major financial intermediaries that operate in India are also outlined. The evolution and growth of the Indian financial system is then discussed.
This document is a summer training report submitted as part fulfillment of an MBA degree. It discusses conducting a study on business opportunities for Yes Bank Ltd. in FCRA (Foreign Contribution Regulation Act) accounts of charitable institutions in Delhi. The report provides an overview of FCRA, profiles Yes Bank and the banking industry, discusses the study's objectives and methodology, and presents an analysis and recommendations.
Yes Bank was a new private sector bank established in 2004 that pursued a differentiation strategy. It focused on niche customer segments and providing specialized banking services tailored to different industries. Yes Bank emphasized technology and a "knowledge banking" approach using domain experts. It also invested heavily in human capital. This strategy allowed Yes Bank to rapidly grow its customer base and operations across India, becoming one of the fastest growing and highest rated private banks despite entering an already crowded market.
Financial ratio analysis hdfc bank newManoj Jhawar
This document discusses various financial ratios that can be used to analyze a company's financial health and performance. It provides information on liquidity ratios like the current ratio and quick ratio. It also discusses profitability ratios such as net profit margin, return on equity, and earnings per share. Other ratios covered include asset turnover, debt-to-equity, and interest coverage. The document uses HDFC Bank and ICICI Bank as examples to demonstrate how these ratios can be interpreted and compares the financial strength and performance of the two companies over time. It highlights that different ratios interest various stakeholders like investors, creditors, and managers in evaluating a company.
A project report on analysis of financial statement of icici bankProjects Kart
This document discusses a minor project report on the analysis of the financial statements of ICICI Bank. It provides background information on ICICI Bank, including its history, board of directors, organizational structure, products and services. It then outlines the objectives and contents of the financial statement analysis project, which includes studying ICICI Bank's profit and loss account, balance sheet, and cash flow statement as well as conducting ratio analysis and evaluating the bank's financial soundness.
A project report on financial statement analysisProjects Kart
The document discusses AU Financiers (India) Private Limited, a non-banking finance company registered with the Reserve Bank of India. It provides an overview of the company's history, operations, products and services, financial performance, targets, and departments. Key information includes growth in customers, assets, and net worth over time as well as details on vehicle financing, small business loans, and insurance products offered.
Financial Analysis of United Commercial Bank Limited(UCBL).Rizwan Khan
This presentation summarizes the financial analysis of United Commercial Bank Limited (UCBL) over a five year period from 2010-2014. It includes an analysis of UCBL's current ratio, debt ratio, net profit margin, return on assets, return on equity, and earnings per share over this time period. It also provides a comparative analysis of UCBL's performance versus industry averages for return on assets and return on equity. Major findings are that UCBL has maintained a stable current ratio and lower cost to income ratio compared to industry averages. The presentation concludes with recommendations to UCBL such as maintaining their current ratio and developing their information systems.
Financial statemet anlysis of co operative bankNeeraj Singh
The document provides an analysis of the financial performance of Cooperative Bank from 2007-2008 to 2010-2011. It includes comparative balance sheets, income statements, trend analysis, and financial ratios like current ratio, liquid ratio, earning per share, dividend per share, net profit ratio, operating profit ratio, and return on net worth. The analysis shows fluctuations in capital, deposits, and profits over the years. Some ratios like current ratio, liquid ratio, and return on net worth declined over time, suggesting areas for improvement like better working capital management and cost control.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
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The document provides an overview of Zenith Bank PLC, a leading Nigerian bank. It summarizes Zenith Bank's financial performance over time, including growth in total assets, earnings, and shareholders' funds. It also notes the bank's consistent high ratings for financial strength and asset quality. The summary highlights Zenith Bank's strategy of focusing on superior customer service, developing deep client relationships, expanding operations, and maintaining its position as a leading Nigerian bank.
The Project gives details about the financial disclosure by different companies playing in different industries.
It included companies Bharti Airtel, Idea, Reliance Communications, Adani Enterprises, Container Corporation of India, Adani ports and Special Economic Zone.
Overall Performance of Islami Bank Bangladesh LimitedShagufta Rahman
The ratio analysis of Islami Bank Bangladesh Limited over five years from 2012-2016 is summarized as follows:
1. Liquidity ratios such as current ratio, quick ratio, and cash ratio fluctuated over the years but were generally low, indicating insufficient current assets to cover short-term debts.
2. Profitability ratios peaked in 2015, with gross profit margin of 348.7%, operating income margin of 5.068%, and return on equity of 0.067%, showing highest profits that year.
3. Ratios measuring efficiency and returns such as return on assets, return on invested capital, and net profit margin declined slightly over the five-year period, suggesting decreasing ability to generate profits from
An Analysis of Financial Performance of BRAC Bank Ltd - Al SukranAl Sukran
This document provides an analysis of the financial performance of BRAC Bank Ltd over several years based on ratio analysis. Key findings from the ratio analysis include:
- BRAC Bank maintained a current ratio over 1.1x from 2010-2013 indicating adequate liquidity.
- The cost income ratio was around 0.5x, showing moderate operating efficiency.
- Total asset turnover declined from 2010-2012 but increased in 2013, demonstrating fluctuating asset utilization efficiency.
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- In conclusion, while BRAC Bank faced some challenges in recent years, its overall performance is better than average and it
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Financial analysis of yes bank by Saurabh Kumar +91 9990415104
1. FSA
FINANCIAL ANALYSIS
YES BANK
This document carries the comprehensive of
YES Bank Corporation
Saurabh Kumar
FORTUNE INSTITUTTE OF INTERNATIONAL BUSINESS
2. INTODUCTION
Yes Bank is a “Full Service Commercial Bank”. It is a fourth largest private Banks in India.
This report will throw light on the financial performance of YES Bank of the last five years.
The report has been prepared based so the certain essential parameters which have seen
selected from the financial statements of the company. The reason of selection was they are
the most suitable parameter on which a bank can be analyzed comprehensively.
The history of banks dates back to the fourteenth century in the wealthy cities of the
renaissance Italy. Throughout history hundreds of banks came into existence however their
main objective has remained the same ‘to link together customers that have capital deficits
and customers with capital surpluses’. Based upon this principles banks have came up with
innovative products and services fulfilling the demands of time and coping with the changes
of globalization in the twentieth and twenty-first centuries.
The history of Yes Banks is that it was founded in 2004 by Rana Kapoor. Yes Bank is the
only Greenfield Bank licence awarded by the RBI in the last two decades. Yes Bank has
steadily built a Corporate, Retail & SME Banking franchise, Financial Markets, Investment
Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and
Wealth Management business lines across the country.
Yes Bank has been recognized amongst the Top and Fastest Growing Banks in various
Banking League Tables by prestigious media houses and Global Advisory Firms, and has
received several national and international honours for various business including Corporate
Investment Banking, Treasury, Transaction Banking, and Sustainable practices through
Responsible Banking.
Yes Bank provide our corporate clients with a complete suite of investment and Banking
Services both India and internationally, in collaboration with our financial partners. Yes Bank
is steadily evolving as the professionals, Bank of India with long term mission of “Building
the Finest Quality Bank of the World in India” by 2020.
3. FINANCIAL ANALYSIS
In the following analysis, YES Bank has been independently analyzed at first and then its
performance has been compared with all the Private Banks in India. YES Bank, being a
commercial bank has also been compared with rest of the commercial banks in India which
eventually made our conclusion more concrete. The consolidated statements consisting of
most significant parameter on which banks have been compared can be seen in the annexure
section. The data collected is of last 5 years i.e. from FY 2008-2013. The various parameters
have been sequentially explained below:
No of Banks: - The Number of Banks in the category Commercial Bank is highest amongst
all the different sector banks like Public Sector Bank, Private Sector Bank etc in India. The
no. of banks in the Commercial Sector stood at 89 in the FY 2013 as compared to 20 & 26 in
private sector banks and public sector banks respectively. Hence, we can infer that the
Commercial Sector banks are expanding at a much more rapid pace as compared to private
and public sector banks.
No of Offices: -
The number of offices of YES Bank in the last five years hasn’t experienced a substantial
increase. The number of offices in the year 2008 stood at 118 which got at 428 in year 2012-
13. As we are seeing that banks has been rapidly increasing offices .The fact is that company
is want to expand business in new region through great service.
80 81 81
87 89
27 27 26 26 26
22 22 21 20 20
0
20
40
60
80
100
2008-09 2009-10 2010-11 2011-12 2012-13
No of Banks
Commercial Banks
Public Sector Banks
Private Sector Banks
4. No of Employees: -
As we are seeing in the graph of Yes Bank in FY 2008-09 no of employees is 2671 to FY
2012-13 is 7024. Bank increased employee by 62% within five years. We see that company
has tryning to expend branches as well as employee.
Business per Employee: -
As seen from the table below, the business per employee has increased from year 2008-09 is
98.84 to year 2012-13 is177.74. In FY 2010-11 is business per employee is 222.03 but after
that business per employee has been reduced. When we compared last two year that company
has been increased some percentages now company is trying to increase branches along with
business per employee
2008-09 2009-10 2010-11 2011-12 2012-13
118 151 215
357 428
No of Offices
Yes Bank
0
1000
2000
3000
4000
5000
6000
7000
8000
2008-09 2009-10 2010-11 2011-12 2012-13
2671 2906
3929
5642
7024
Yes Bank
5. Profit per Employee:-
As seen from the table below, Profit per employee had been increased by 45% within year
2008-09 to 2010-11. In FY 2011-12 profits per employee has been decline approx 3% and in
year 2013 has been increased. Over all within five year company has been increase profit per
employee by 46%.
Capital and Reserves & Surplus: -
As seen from the table below, capital and reserve surplus increased in year 2009-10 by 48%.
In year 2010-11 to 2012-13 capital and reserve surplus has been increase consistently. This
shows that the company has been regularly putting the profits after distribution back into the
reserves and surplus. Within five year capital and reserve surplus increased by 73%.
0.00
50.00
100.00
150.00
200.00
250.00
2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 98.84 162.38 222.03 174.77 177.42
AxisTitle
Business per employee
0.00
0.50
1.00
1.50
2.00
2.50
2008-09 2009-10 2010-11 2011-12 2012-13
1.14
1.68
2.09 2.04 2.10
Yes Bank
6. Deposits: -
As we seeing that deposits has been increased by 76% in within five years.
In FY 2010-11 deposits have been increased rapidly that means 48%. After that in
year 2010-11 and 2011-12 has been increased by slightly that is 7%.
In last year Deposits has been increased by 27%.
As we know deposits forms the major part of Liability of the balance sheet for the
banks and it has been increased hugely.
2008-09 2009-10 2010-11 2011-12 2012-13
16242
30896
37941
46766
58077
Capital and Reserves& Surplus
Yes Bank
0
100000
200000
300000
400000
500000
600000
700000
2008-09 2009-10 2010-11 2011-12 2012-13
161694
267986
459389 491517
669556
Yes Bank
7. Investment:-
As seen below in the chart, investment has been increased tremendously in within five
year.
As we know yes bank is a new private banks, and it wants to expand business rapidly.
Within five year investment has been increased by approx 84%.
In last year 2012-13 investment has been by 35%.
Interest Income:-
As seen from the table below interest income has been increase rapidly in within five
years.
Interest Income is generally derived from the loans given to customers and
companies.
In year 2002-09 to 2009-10 interest income has been increased slightly by 16%.
In FY 2010-11 to 2012-13 interest income has been increased constantly in high ratio.
Over all in within five years interest has been increased by 76%.
0
100000
200000
300000
400000
500000
2008-09 2009-10 2010-11 2011-12 2012-13
71170 102099
188288
277573
429760
Yes Bank
8. Other Income:-
As seen from the table below, other income has been increasing.
In three years 2008-2010 other income has been increased constantly.
In last two years other income has been increased rapidly that is 51%.
Over all in within five year other incomes growth is 66%.
Operating expenses:-
As seen from the table below, we see that operating expenses has been increasing
constantly.
In last year operating expenses has operating has been increased by 31%.
Over all in within five year increased operating expenses by 69%.
High operating expenses points towards inefficient management practices.
0
10000
20000
30000
40000
50000
60000
70000
80000
90000
2008-09 2009-10 2010-11 2011-12 2012-13
20014 23697
40417
63074
82940
Yes Bank
0
2000
4000
6000
8000
10000
12000
14000
2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 4369 5755 6233 8571 12574
AxisTitle
Yes Bank
9. Return on Equity:-
As we seen below in the graph, Return on equity of yes Bank is increasing
consistently.
As we know Return on Equity = Net Income/Shareholder's Equity.
In within five years return on equity increased by approx 27%.
Increasing return on equity is a good sign for the YES Bank.
0
2000
4000
6000
8000
10000
12000
14000
2008-09 2009-10 2010-11 2011-12 2012-13
4185 5002
6798
9325
13345
Yes Bank
0
5
10
15
20
25
2008-09 2009-10 2010-11 2011-12 2012-13
20.65 20.27 21.13 23.07 24.81
Yes Bank
10. Return on Assets:-
As seen from the table below, ROA gives an idea as to how efficient management is
at using its assets to generate earnings. Calculated by dividing a company's annual
earnings by its total assets. ROA is displayed as a percentage.
In year 2008-09 to 20009-10 ROA is increased by approx 21%.
In last three years ROA has been decline.
Capital Reserve Adequacy Ratio:-
Capital Adequacy ratio is used to protect depositors and promote the stability and efficiency
of financial systems around the world. It determines the capacity of the bank in terms of
meeting the time liabilities and other risks such as credit risk, operational risk. We see that
over the years, CRAR has increased by 10.30% which implies the stability and efficiency of
the firm. But, looking at the trend of CRAR we infer that bank has become vulnerable to
meeting of liabilities.
1.45
1.50
1.55
1.60
1.65
1.70
1.75
1.80
2008-09 2009-10 2010-11 2011-12 2012-13
1.59
1.79
1.58 1.57 1.57
Yes Bank
11. Net NPA Ratio: -
As seen from the table below, NPA Ratio has decreased over the year which is a good sign
for the company. Once the borrower has failed to make interest or principal payments for 90
days the loan is considered to be a non-performing asset. The decline registered in the NPA
shows that the assets in the jeopardy of default has reduced over the years which also ensures
that company is no longer paying any extra interest or principal payment.
0.00
5.00
10.00
15.00
20.00
25.00
2008-09 2009-10 2010-11 2011-12 2012-13
16.60
20.60
16.50 17.90 18.30
Yes Bank
0.00
0.05
0.10
0.15
0.20
0.25
0.30
0.35
2008-09 2009-10 2010-11 2011-12 2012-13
0.33
0.06
0.03 0.05
0.01
Yes Bank
12. COMPARISON WITH PRIVATE BANKS
AND COMMERCIAL BANKS
Number of Offices
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 118 151 215 357 428
Private Banks 4336 5243 7007 8297 9718
Commercial Banks 67562 72906 78215 85262 92114
The trend seen from the table above shows, the percentage increase in Number of
offices has been the 36% for commercial banks, 55.39% for private banks, and
72.73% for YES Banks.
Hence, we can infer YES Bank expand its market as compared to other private banks
and the commercial banks.
YES Bank currently is growing at a higher rate as compared to other competitive
banks
Number of Employees
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 51341 55052 55380 62589 66208
Private Banks 193578 188332 217953 248284 269941
Commercial Banks 954684 955990 1001096 1048520 1096984
118 151 215 357 4284336 5243 7007 8297 9718
67562 72906 78215
85262
92114
0
20000
40000
60000
80000
100000
2008-09 2009-10 2010-11 2011-12 2012-13
No of Offices
Yes Bank
Private Banks
Commercial Banks
13. The trend seen from the table above shows, the percentage increase in Number of
employees has been the 67.67% for commercial banks, 29.29% for private banks, and
22.96% for YES Banks.
Hence, we can infer YES Bank expands its market but no of employee as compared to
other private banks and the commercial banks is low.
Here we can say that YES Bank is trying to reduce its costs.
Business per Employee
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 98.84 162.38 222.03 174.77 177.42
Private Banks 67.76 77.27 82.60 86.23 94.06
Commercial Banks 73.98 86.23 99.03 109.95 121.33
The trend seen from the table above shows, the percentage increase in Business per
employee has been the 59.03% for commercial banks, 28% for private banks, and
44.30% for YES Banks.
Hence, we infer that YES Bank is higher than private banks in Businees per employee
but in comparison to commercial is low.
It also reflects that the employees of the company are profitable enough that they are
able to make significant contribution to it.
51341 55052 55380 62589 66208
193578 188332 217953 248284 269941
954684 955990 1001096 1048520 1096984
0
200000
400000
600000
800000
1000000
1200000
2008-09 2009-10 2010-11 2011-12 2012-13
No of Employees
Yes Bank
Private Banks
Commercial Banks
98.84
162.38
222.03
174.77 177.4267.76
77.27
82.60
86.23 94.0673.98
86.23
99.03 109.95 121.33
0.00
100.00
200.00
300.00
400.00
500.00
2008-09 2009-10 2010-11 2011-12 2012-13
Business per Employees
Commercial Banks
Private Banks
Yes Bank
14. Profit Per Employee
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 1.14 1.68 2.09 2.04 2.10
Private Banks 0.56 0.70 0.81 0.92 1.07
Commercial Banks 0.55 0.60 0.70 0.78 0.83
As seen from the table & graph above, we the percentage increase registered is
47.67% in Private Bank, 45.72% in YES Bank and 50.9% in Commercial Banks.
Hence , we infer that YES Bank is performing the below in comparison to
commercial Banks and Private Banks
Capital and Reserves & Surplus
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 16242 30896 37941 46766 58077
Private Banks 996686 1199839 1385664 1592952 1929461
Commercial Banks 3679473 4301613 5099192 6085618 7089300
1.14
1.68
2.09 2.04 2.10
0.56
0.70
0.81 0.92 1.07
0.55
0.60
0.70 0.78 0.83
0.00
1.00
2.00
3.00
4.00
5.00
2008-09 2009-10 2010-11 2011-12 2012-13
Profit per Employee
Commercial Banks
Private Banks
Yes Bank
16242 30896 37941 46766 58077
996686 11998391385664 1592952 1929461
3679473
4301613
5099192
6085618
7089300
0
2000000
4000000
6000000
8000000
10000000
2008-09 2009-10 2010-11 2011-12 2012-13
Capital & Reserve surplus
Commercial Banks
Private Banks
Yes Bank
15. As seen from the table above, we infer that the Capital Reserves & Surplus has
increased for YES Bank is negligible.
The percentage increase in Capital & Reserve surplus has been the 49.10% for
commercial banks, 48.34% for private banks, and 44.30% for YES Banks.
Hence, we infer that increasing percentage is more or less same to commercial Banks
and Private Baks.
Interest Income
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 20014 23697 40417 63074 82940
Private Banks 850714 828064 967131 1345555 1664864
Commercial Banks 3884816 4151786 4913407 6552839 7636115
As seen from the table above, we infer that the interest income earned by the banks
has increased consistently over the years. The rise in interest income suggests that the
banks have operated well and have very well maintained their customer base along
with increasing it. A lower interest income puts pressure on the profitability on the
customer since this is the major source of income for the banks.
The increase amongst all three banks have been registered at 75.87% in YES Bank,
48.91% in Private Banks and 96.5% in commercial banks which suggests that
commercial banks have been the most successful amongst all the three.
Other Income
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 4369 5755 6233 8571 12574
Private Banks 178602 204231 208734 250480 297927
Commercial Banks 752204 792676 798501 863437 977866
20014 23697 40417 63074 82940
850714 828064 967131 1345555 1664864
3884816 4151786
4913407
6552839
7636115
0
2000000
4000000
6000000
8000000
10000000
2008-09 2009-10 2010-11 2011-12 2012-13
InterestIncome
Commercial Banks
Private Banks
Yes Bank
16. As seen from the table above, we infer that the other income increase amongst all
three banks have been registered at 65% in YES Bank, 40% in Private Banks and 23%
in commercial banks.
Hence , other income of commercial bank is very negligible and YES Bank’s other
income is higher among the three.
Operating Expenses
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 4185 5002 6798 9325 13345
Private Banks 217794 228510 276064 340301 404851
Commercial Banks 895814 1000279 1231403 1375720 1565855
As seen from the above table, we see that the pattern of operating expenses as seen in
YES Bank is also followed by the industry. The operating expenses have increased by
68.64% in YES Bank, 46.30% in Private Banks and 74.71% in Commercial Banks.
Hence, we infer that yes bank operating expenses is low among the industry
commercial Bank and Private Banks.
That is good sign for company .
4369 5755 6233 8571 12574
178602 204231 208734 250480 297927
752204 792676 798501
863437
977866
0
500000
1000000
1500000
2008-09 2009-10 2010-11 2011-12 2012-13
Other Income
Commercial Banks
Private Banks
Yes Bank
4185 5002 6798 9325 13345
217794 228510 276064 340301 404851
895814 1000279
1231403
1375720
1565855
0
500000
1000000
1500000
2000000
2500000
2008-09 2009-10 2010-11 2011-12 2012-13
Operating Expenses
Commercial Banks
Private Banks
Yes Bank
17. Return on Equity
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 20.65 20.27 21.13 23.07 24.81
Private Banks 11.38 11.94 13.70 15.25 16.47
Commercial Banks 15.44 14.31 14.96 14.60 13.84
As we know that, Return on Equity = Net Income/Shareholder's Equity, ROE for
Commercial Banks shows a decline in the past five years whereas the trend of HSBC
Bank and Foreign Banks shows a considerable increase over the year
The decline in ROE suggests that Commercial Banks haven’t been able to sustain
their Net Income as a result
As we see that YES Bank is among top among industry and private Banks.
Return on Assets
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 1.59 1.79 1.58 1.57 1.57
Private Banks 1.13 1.28 1.43 1.53 1.63
Commercial Banks 1.13 1.05 1.10 1.08 1.03
20.65 20.27 21.13 23.07 24.81
11.38 11.94 13.70 15.25 16.47
15.44 14.31 14.96 14.60 13.84
0
20
40
60
2008-09 2009-10 2010-11 2011-12 2012-13
Return on Equity
Commercial Banks
Private Banks
Yes Bank
18. As we seeing above that ROA of YES Bank is decline overall in five years by 2%.
ROA OF Private Banks is increased by 31% and commercial Banks is declining by
8.85%.
Declining percentage in ROA means that the bank hasn’t been able to utilize its
assets.
Capital Reserve Adequacy Ratio
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 16.60 20.60 16.50 17.90 18.30
Private Banks 15.23 17.43 16.46 16.21 16.84
Commercial Banks 13.97 14.54 14.19 14.24 13.88
Capital Adequacy ratio is used to protect depositors and promote the stability and
efficiency of financial systems around the world. It determines the capacity of the
bank in terms of meeting the time liabilities and other risks such as credit risk,
operational risk.
We see that CRAR has increased for the Private Banks too along with YES Bank in
the last five years whereas it has shown a constant trend for Commercial Banks.
1.59 1.79 1.58 1.57 1.57
1.13
1.28 1.43 1.53 1.63
1.13 1.05 1.10 1.08 1.03
0.00
1.00
2.00
3.00
4.00
5.00
2008-09 2009-10 2010-11 2011-12 2012-13
Chart Title
Commercial Banks
Private Banks
Yes Bank
16.60
20.60
16.50
17.90 18.30
15.23
17.43 16.46 16.21 16.84
13.97 14.54 14.19 14.24 13.88
0.00
5.00
10.00
15.00
20.00
25.00
2008-09 2009-10 2010-11 2011-12 2012-13
CAAR
Yes Bank
Private Banks
Commercial Banks
19. Thus, we infer that Private Banks are safer to invest in as compared to the commercial
banks since their risk of default is relatively high.
Net NPA Ratio
Items 2008-09 2009-10 2010-11 2011-12 2012-13
Yes Bank 0.33 0.06 0.03 0.05 0.01
Private Banks 1.29 1.04 0.56 0.46 0.52
Commercial Banks 1.05 1.12 0.97 1.28 1.68
Once the borrower has failed to make interest or principal payments for 90 days the
loan is considered to be a non-performing asset.
As also explained above, YES Bank has done exceptionally well in maintaining the
NPA ratio. Also, Private Banks have also done a good job in reducing the NPA in the
last five years. Since NPA’s becomes a liability on the banks end, thus it becomes
necessary to get rid of them.
The percentage decrease registered in all the three banks over the last five years is
59.69% in private Banks, 320% in YES Bank. On the other hand, it has increased for
commercial banks by 60% which is a sign of threat.
Also, it shows that commercial banks must be making lot of losses because of bad
debts caused due to non-payment of loans which the borrowers have taken from them.
0.33
0.06 0.03 0.05 0.01
1.29
1.04
0.56
0.46 0.52
1.05 1.12
0.97
1.28
1.68
0.00
0.50
1.00
1.50
2.00
2008-09 2009-10 2010-11 2011-12 2012-13
Net NPA Ratio
Yes Bank
Private Banks
Commercial Banks