Investor Presentation FY22 & Q4FY22 Financial Results
Performance Highlights (1/2)
All figures in INR Crs
YoY Growth
Q4FY22
FY22
Q4FY22
FY22
Net Interest Income
1,819
6,498
84%
-13%
Profit
80
Non interest income
882
3,262
28%
8%
& Loss
Operating Expenses
1,927
6,844
19%
18%
Operating Profit
774
2,916
1231%
-37%
Profit After Tax
367
1,066
Total Assets
318,220
Balance
Sheet
Net Advances
181,052
16%
8%
Total Deposits
197,192
21%
Shareholders Funds
33,742
2%
FY22
FY21
Key
Ratios
NIM
Cost to Income
Return on Assets
CET 1
Average LCR
Book Value per share (INR)
Credit Deposit Ratio
1 Adjusted for interest recoveries on NPA's & one offs
3 Excluding Certificate of Deposits
2.3%
2.8%
70.1%
53.8%
0.4%
-1.3%
11.6%
11.2%
114.6%
113.9%
13.5
91.8%
13.3
102.4%
2 Adjusted for realised & unrealised gain on investments
YES
BANK
Improvement across parameters
Normalized NII for FY22 grew by nearly 3%1
Normalised Non-Interest Income for FY22 grew >40%²
NIMS at 2.5% for Q4FY22, improved by 5bps sequentially
Customer Deposits ³ at INR 192,928 Crs; up 7.7% Q-o-Q
CASA Ratio at 31.1% v/s. 30.4% in Q3FY22; continued
growth rate of >2x of overall deposits
11.4 Lac CASA accounts opened in FY22 vs. 6.6 Lac last
year and 312K CASA accounts opened vs. 269K last
quarter
Top 20 Depositor concentration continues to improve at
14.2% vs. 17.5% in FY21
New Sanctions / Disbursements at nearly INR 70,000
Crs for FY22
CD Ratio further improved to 91.8% vs 95.6% last quarter
CET1 Ratio at 11.6%View entire presentation