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Banking Stability Map

A Comparative Study
Yes Bank
vs

HDFC Bank
IIM Shillong [Group 7]
Banking Stability Map Yes Bank [2016]
DIMENSIONS RATIOS
Tier-I Capital to Tier-II
Soundness CRAR # Leverage Ratio as Total Assets to Capital and Reserves
Capital #

Gross NPAs to Total- Sub-Standard-Advances to Restructured-Standard-Advances


Asset Quality Net NPAs to Total-Advances
Advances Gross NPAs # to Standard-Advances

Profitability Return on Assets # Net Interest Margin # Growth in Profit #

Liquid-Assets to Total Assets Customer-Deposits to Total Non-Bank-Advances to Deposits maturing within-1-year


Liquidity
# Assets # Customer-Deposits to Total Deposits

Efficiency Cost to Income Business (Credits + Deposits) to Staff Expenses # Staff Expenses to Total Expenses

IIM Shillong [Group 7]


Banking Stability Map Yes Bank [2016]
DIMENSIONS RATIOS
Soundness 16.50 % 1.88 11.99

Asset Quality 0.29 % 0.76 % 11.06 % NA

Profitability 1.78 % 3.40 % 26.62 %

Liquidity 32.06 % 67.60 % 86.49 % 63.47 %

Efficiency 40.90 % 2.30 0.01 %

IIM Shillong [Group 7]


Banking Stability Map Yes Bank [2017]
DIMENSIONS RATIOS
Tier-I Capital to Tier-II
Soundness CRAR # Leverage Ratio as Total Assets to Capital and Reserves
Capital #

Gross NPAs to Total- Sub-Standard-Advances to Restructured-Standard-Advances


Asset Quality Net NPAs to Total-Advances
Advances Gross NPAs # to Standard-Advances

Profitability Return on Assets # Net Interest Margin # Growth in Profit #

Liquid-Assets to Total Assets Customer-Deposits to Total Non-Bank-Advances to Deposits maturing within-1-year


Liquidity
# Assets # Customer-Deposits to Total Deposits

Efficiency Cost to Income Business (Credits + Deposits) to Staff Expenses # Staff Expenses to Total Expenses

IIM Shillong [Group 7]


Banking Stability Map Yes Bank [2017]
DIMENSIONS RATIOS
Soundness 17 % 3.59 9.75

Asset Quality 0.81 % 1.52 % 13.53 % NA

Profitability 1.81 % 3.40 % 31.15 %

Liquidity 30.92 % 66.43 % 88.26 % 55.97 %

Efficiency 41.40 % 2.28 0.01 %

IIM Shillong [Group 7]


Banking Stability Map HDFC Bank [2016]
DIMENSIONS RATIOS
Tier-I Capital to Tier-II
Soundness CRAR # Leverage Ratio as Total Assets to Capital and Reserves
Capital #

Gross NPAs to Total- Sub-Standard-Advances to Restructured-Standard-Advances


Asset Quality Net NPAs to Total-Advances
Advances Gross NPAs # to Standard-Advances

Profitability Return on Assets # Net Interest Margin # Growth in Profit #

Liquid-Assets to Total Assets Customer-Deposits to Total Non-Bank-Advances to Deposits maturing within-1-year


Liquidity
# Assets # Customer-Deposits to Total Deposits

Efficiency Cost to Income Business (Credits + Deposits) to Staff Expenses # Staff Expenses to Total Expenses

IIM Shillong [Group 7]


Banking Stability Map HDFC Bank [2016]
DIMENSIONS RATIOS
Soundness 15.53 % 5.72 10.19

Asset Quality 0.28 % 0.90 % 58.95 % NA

Profitability 1.89 % 4.30 % 20.40 %

Liquidity 30.00 % 73.76 % 79.07 % 39.16 %

Efficiency 44.30 % 2.83 10.75 %

IIM Shillong [Group 7]


Banking Stability Map HDFC Bank [2017]
DIMENSIONS RATIOS
Tier-I Capital to Tier-II
Soundness CRAR # Leverage Ratio as Total Assets to Capital and Reserves
Capital #

Gross NPAs to Total- Sub-Standard-Advances to Restructured-Standard-Advances


Asset Quality Net NPAs to Total-Advances
Advances Gross NPAs # to Standard-Advances

Profitability Return on Assets # Net Interest Margin # Growth in Profit #

Liquid-Assets to Total Assets Customer-Deposits to Total Non-Bank-Advances to Deposits maturing within-1-year


Liquidity
# Assets # Customer-Deposits to Total Deposits

Efficiency Cost to Income Business (Credits + Deposits) to Staff Expenses # Staff Expenses to Total Expenses

IIM Shillong [Group 7]


Banking Stability Map HDFC Bank [2017]
DIMENSIONS RATIOS
Soundness 14.55% 7.11 9.66

Asset Quality 0.33% 1.05% 58.36% NA

Profitability 1.88% 4.30% 18.30%

Liquidity 26.86% 74.51% 82.94% 35.70%

Efficiency 43.40% 2.44 12.68%

IIM Shillong [Group 7]


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