Investor Presentation FY22 & Q4FY22 Financial Results
Retail Bank: Full spectrum retail bank growing with strong momentum
All figures in INR Cr
Pan-India
presence via 1,122
branches, 95 BC
banking outlets
and 1,244 ATMs,
CRM'S & BNA'S
54% of branches in
Top 200 deposit
centers
Strong growth in Retail Advances
YES
BANK
Highest Ever
+30% p.a.
49,973
50,367
54,821
59,476
65,250
Q4FY21
Q1FY22
As % of total
advances
30%
31%
Q2FY22
32%
Q3FY22
34%
Q4FY22
37%
Cater to all
customer
segments (HNI,
affluent, NRIs,
mass, rural and
inclusive banking)
with full product
suite
~90% of
transactions via
digital channels
...along with growth in CASA and Retail Term Deposits
+29% p.a.
94,091
98,768
108,013
112,962
121,535
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
As % of total
deposits
58%
60%
61%
61%
62%
Leadership /
significant share
in payment and
digital
businesses
(UPI, AEPS, DMT)
Advanced score-
cards and analytics
being leveraged
across underwriting
and engagement
In addition, continued momentum within Retail Fee Income
Highest Ever
421
342
444
447
551
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
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