YES BANK, is a high quality, customer centric and service driven Bank. Since inception in 2004, YES BANK has grown into a ‘Full Service Commercial Bank’ providing a complete range of products, services and technology driven digital offerings, catering to corporate, MSME & retail customers. YES BANK operates its Investment banking, Merchant banking & Brokerage businesses through YES SECURITIES and its Mutual Fund business through YES Asset Management (India) Limited, both wholly owned subsidiaries of the Bank. Headquartered in Mumbai, it has a pan-India presence across all 28 states and 8 Union Territories in India including an IBU at GIFT City, and a Representative Office in Abu Dhabi.
Financial Highlights from Q1FY22 Results:
|
P & L Highlights |
|||||||||
|
(INR in Crores) |
Q1FY22 |
Q4FY21 |
Growth (q-o-q) |
Q1FY21 |
Growth (y-o-y) |
||||
|
Net Interest Income |
1,402 |
987 |
42.1% |
1,908 |
-26.5% |
||||
|
Non-Interest Income |
1,056 |
816 |
29.5% |
621 |
70.2% |
||||
|
Total Net Income |
2,459 |
1,803 |
36.4% |
2,529 |
-2.8% |
||||
|
Operating Profit/ (Loss) |
920 |
185 |
397.8% |
1,147 |
-19.8% |
||||
|
Provision |
644 |
5,240 |
-87.7% |
1,087 |
-40.7% |
||||
|
Profit / (Loss) after Tax |
207 |
(3,788) |
NM |
45 |
355.2% |
||||
|
Basic EPS (INR) |
0.08 |
(1.5) |
NM |
0.04 |
128.3% |
||||
|
Key P & L Ratios |
|||||||||
|
Return on Assets * |
0.3% |
-5.7% |
|
0.1% |
|
||||
|
Return on Equity * |
2.5% |
-43.2% |
0.8% |
||||||
|
NIM |
2.1% |
1.6% |
3.0% |
||||||
|
Cost to Income Ratio |
62.6% |
89.7% |
54.6% |
||||||
|
Non-Interest Income to Total Income |
43.0% |
45.3% |
24.5% |
||||||
|
Balance Sheet Highlights |
|||||
|
(INR in Crores) |
30-Jun-21 |
31-Mar-20 |
Growth % (q-o-q) |
30-Jun-20 |
Growth % (y-o-y)) |
|
Advances |
163,654 |
166,893 |
-1.9% |
164,510 |
-0.5% |
|
Deposits |
163,295 |
162,947 |
0.2% |
117,360 |
39.1% |
|
Shareholders’ funds |
33,378 |
33,196 |
0.5% |
21,780 |
53.2% |
|
Total Capital Funds |
40,106 |
40,321 |
-0.5% |
30,622 |
31.0% |
|
Total Balance Sheet |
272,527 |
273,543 |
-0.4% |
255,485 |
6.7% |
|
Key Balance Sheet Ratios |
|||||
|
Capital Adequacy |
17.9% |
17.5% |
|
8.6% ^ |
|
|
CET I Ratio |
11.6% |
11.2% |
|
6.5% |
|
|
Book Value per share (INR) |
13.3 |
13.2 |
|
17.4 |
|
|
Gross NPA |
15.60% |
15.41% |
|
17.30% |
|
|
Net NPA |
5.78% |
5.88% |
|
4.96% |
|
|
Provision Coverage Ratio (including technical write-offs) |
79.3% |
78.6% |
|
79.1% |
|
|
Total Gross Restructured Loans @ |
4,976 |
1,244 |
|
131 |
|
|
Security Receipts (Net) |
1,421 |
1,421 |
|
1,553 |
|
|
CASA Ratio |
27.4% |
26.1% |
|
25.8% |
|
|
Average LCR |
131.8% |
113.9% |
|
42.2% |
|
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