Investor Presentation FY22 & Q4FY22 Financial Results
Performance Highlights (2/2)
YES BANK
All figures in INR Crs
Mar-21
Dec-21
Mar-22
Gross NPA
28,610
28,654
27,976
Asset quality trends continue to
improve
GNPA ratio at 13.9%, vs 14.7% last quarter
Other Non Performing Exposures
10,425
8,897
8,503
NNPA ratio at 4.5% vs. 5.3% last quarter
Total Gross Non Performing Exposures
39,034
37,551
36,479
Total Provisions held
25,992
25,574
26,419
Non
Performing
Exposures¹
Net Non Performing Exposures
13,042
11,977
10,060
Cumulative Technical Write-off #
17,208
16,579
16,302
•
Net additions during the Quarter
9,728
(22)
(277)
Provision Coverage for above³
76.8%
77.9%
80.9%
Net Non-Performing Exposures lower by nearly
INR 3,000 Crs in FY22
Slippages lower at INR 802 Crs vs. INR 978 Crs
last quarter of which:
Corporate slippages lower at INR 373 Crs
vs. INR 435 Crs last quarter
Retail slippages lower at INR 333 Crs vs.
INR 388 Crs last quarter
Standard
Restructured
Total Gross Restructured Loans
1,244
6,878
6,752
Loans²
61-90 days overdue loans
4,661
1,943
1,264
Overdue Loans continue to trend lower
Of which Retail
234
275
227
Overdue Book
31-60 days overdue loans
9,042
5,305
4,483
•
61-90 days bucket lower by INR 679 Crs Q-o-Q
31-60 days bucket lower by INR 822 Crs Q-o-Q
Of which Retail
1,057
688
815
1 NPA, NPI & ARC
2 Erstwhile, MSME 1.0 & 2.0, DCCO related & Covid 1.0 & 2.0
3 Including technical w/o
#
Only Corporate
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