Investor Presentation FY22 & Q4FY22 Financial Results
Profit and Loss Statement
All figures in INR Crs
YES
BANK
■
Profits at INR 1,066 Crs in FY22 - First
Full Year Profit since FY19 vs. Loss of
INR 3,462 Crs in FY21 and INR 22,715 Crs
in FY202
Operating Profits at INR 774 Crs up 6.0%
Q-0-Q
Net Interest Income at INR 1,819 Crs
Quarter Ended
Growth
Year Ended
Growth
Q4FY22
Q3FY22
Q4FY21
Q-0-Q
Y-o-Y
FY22
FY21
Y-o-Y
1
Net Interest Income
1,819
1,764
987
3%
84%
6,498
7,429
-13%
Non-Interest Income
882
734
689
20%
28%
3,262
3,012
8%
Total Income
2,701
2,498
1,676
8%
61%
9,760
10,440
-7%
Operating Expense
1,927
1,767
1,618
9%
19%
6,844
5,792
18%
Human Resource Cost
772
733
574
5%
35%
2,856
2,430
17%
-
NIM at 2.5% up ~5 bps Q-o-Q
Other Operating Expenses
1,155
1,034
1,044
12%
11%
3,989
3,362
19%
-
Sustained Reduction in cost of
deposits while continuing to garner
liabilities
Total Provision Costs for FY22 at INR
1,480 Crs lower by 84% Y-o-Y, aided by
Operating Profit/(Loss)
774
731
58
6%
1231%
2,916
4,648
-37%
Provisions
271
375
5,113
-28%
-95%
1,480
9,383
-84%
Profit Before Tax
503
356
(5,055)
41%
NM
1,436
(4,735)
NM
Tax Expense
136
90
(1,267)
51%
NM
370
(1,273)
NM
—
Lower slippages at INR 5,795 Crs,
down 51% Y-o-Y
Net Profit/(Loss)
367
266
(3,788)
38%
NM
1,066
(3,462)
NM
Yield on Advances
8.2%
8.1%
6.9%
8.1%
8.8%
-
Higher recoveries and upgrades at INR
7,290 Crs, up 28% Y-o-Y
Cost of Funds
5.1%
5.1%
6.0%
5.3%
6.3%
Cost of Deposits
4.8%
4.9%
5.7%
5.0%
6.0%
NIM
2.5%
2.4%
1.6%
2.3%
2.8%
Cost to income
71.3%
70.7%
89.7%
70.1%
53.8%
NM = Not measurable
1 Y-o-Y growth not comparable as NPA of the entire year was recognized during Q4FY21, given Supreme Court order
2 Excluding Extraordinary Item
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