Investor Presentation FY22 & Q4FY22 Financial Results
Summary of Labelled & Overdue Exposures
All figures in INR Crs
YES BANK
■
Overdue Loans continue to trend lower
31-Mar-21
31-Dec-21
31-Mar-22
In INR Cr
Gross
Provisions
Gross
Provisions
Gross
Provisions
"
-61-90 days bucket lower by INR 679
Crs Q-o-Q
31-60 days bucket lower by ~INR 822
Crs Q-o-Q
Drag of Labelled Exposures on Bank's
profitability has significantly reduced Y-o-Y
resulting into Net Profitability. This is
driven by
NPA
28,610
18,796
28,654
19,331
27,976
19,771
Other Non-Performing Exposures
NFB of NPA accounts
10,425
7,196
8,897
6,243
8,503
6,647
1,671
382
1,422
332
1,097
206
ΝΡΙ
6,586
6,067
5,329
4,810
5,268
5,021
ARC
2,168
747
2,145
1,101
2,138
1,420
Total Non-Performing Exposures
Technical Write-Off
39,034
25,992
37,551
25,574
36,479
26,419
17,208
16,579
16,302
Provision Coverage incl. Technical W/O
Std. Restructured Advances1
76.8%
77.9%
80.9%
1,244
75
6,878
753
6,752
760
Rise in Recoveries and Upgrades
Erstwhile
138
7
26
1
26
1
-
Lower slippages
DCCO related
861
43
1,749
87
1,744
87
MSME (Covid)
0
0
1,050
101
1,016
98
Covid
246
25
4,052
563
3,966
573
Other Std. exposures²
1,183
492
124
43
98
34
61-90 days overdue loans
4,661
1,943
1,264
Of which Retail
234
275
227
31-60 days overdue loans
Of which Retail
9,042
1,057
5,305
4,483
688
815
1. Already Implemented as of respective date; Erstwhile category represents Standard Restructured accounts and does not include withdrawn categories such as SDR, S4A etc.
2. Where provisioning has been made as per requirement of RBI circular on Prudential Framework for Resolution of Stressed Assets dated June 7, 2019
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