Investor Presentation FY22 & Q4FY22 Financial Results
Transaction Banking: Annuity income through Trade and Cash Management
1 Book has seen strong growth in non-credit throughput¹
4.8 x
4.5 x
4.0 x
3.8 x
3.0 x
2.7 x
1.7 x
1.8 x
1.5 x
1.5 x
1.4 x
1.3 x
1.0 x 1.0 x
1.4 x
1.2 x
Q1FY21
Q2FY21
Q3FY21
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
■Corporate Trade & Cash Management Fees
■Non Credit Throughput
2 ... on the back of an industry leading API banking and technology stack
Strong growth in total API integrations...
6,196
4,865
3,904
3,950
3,298
1,588
1,752
1,956
Q1FY21
Q2FY21
Q3FY21
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
FY21
FY22
1 Corporate Trade & Cash Management Fees and Non-Credit Throughput values rebased at 1.0X for Q1FY21
2 Startups with a valuation of > $100 mn and < $1bn
YES
BANK
3 Strong growth in API led transaction banking throughputs
97% of our Corporate CASA is embedded with Transaction Banking solutions thereby making it
granular, sticky & sustainable.
~80% of our Corporate CASA clients has atleast 2+ Products embedded
98% of our Cash Management thruput now comes from Digital modes. Our Digital Trade
onboarding also saw 106% YoY growth
Thruput from Fintech & Ecommerce grew 200% YoY, Financial Institutions grew 84% YoY, RDA
(Remittances) business grew 160% YoY of which UPI driven remittances grew 500% YoY
Our Connected Banking platform (leveraging Retail & Corporate Synergies) saw 13 additional partners
activated under Connected Banking proposition with leads generated across partners growing 156%
YoY, lead conversion ratio growing 100% and thruput routed thru our partners growing 500x. This will
be key focus for the Bank going forward
TReDS platform increasing 600% YoY and Exports Book grew 40% YoY
Supply Chain business onboarded 900 new D/V accounts, cumulatively contributing 21% of our
Business Banking Asset book
Trade linked Non-Credit flows (Export/Import/Remittances) grew 67% YoY
Corporate Client Management (Implementation & Service) saw robust traction in deepening client
engagement
4500+ Transaction Banking mandates implemented this year (YoY 55% growth)
90% of our Corporate CASA clients is covered by a dedicated Client Service team
providing top notch attention to their transactional queries
~350,000 client queries addressed successfully by our Corporate Client Management team
with 91% FTR & 93% TAT adherance.
As part of its new formal initiative, Bank engaged with 350+ Strategic Influencers to augment its
inorganic acquisition channel and 12 MOUS signed. This will see accelerated focus in coming years.
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