Investor Presentation FY22 & Q4FY22 Financial Results
Small & Micro Enterprises: Granular book creation with a solution led approach
All figures in INR Crs
1 Steady momentum in disbursements¹
4,092
4,576
4,940
5,089
3,242
YES
BANK
3 Strengthening Relationship Management
Cross Sell (Units)
18,215
12,498
14,068 14,333
9,730
9,759
Liability Book
10,647
11,731
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
Q1FY22 Q2FY22 Q3FY22 Q4FY22
One stop solution approach for all needs of entity and promoters
Comprehensive borrower assessment: Pre-approved retail asset products offering along with
business banking limits (Industry first initiative)
Q1FY22
Q2FY22
Q3FY22 Q4FY22
Dedicated teams for shaper focus in business originations & portfolio management
100% business originations from internal channels
Parameterized lending enabling faster credit decisioning
2 High quality & well diversified granular book
Book Split by Ticket Size
11%
15%
4%
5%
25%
Upto 0.5 Cr
■ 0.5-1 Cr
■ 1-2 Cr
■ 2-5 Cr
■ 5-10 Cr
■ >10 Cr
40%
Distributed portfolio leading to reduced
concentration risk
Portfolio secured by collateral in
addition to primary security of stock &
book debts
Customer churning and portfolio
utilization at pre-covid level - reflecting
portfolio strength.
Dedicated Physical RMs for relationship deepening across trade, retail, API banking, etc
Virtual RMs support to enable customers for engagement, services, enhancements & cross sell
4 Digital and Analytics at fulcrum of the franchise
Digital & Analytics to enhance customer experience / reduce friction
Analytics driven prospective client identification
Digital Lending Platform - Seamless customer approval experience
Self-assist digital tools - MSME App, Trade-On-Net, FX Online, etc.
Robust EWS framework - early identification of incipient sickness & support frontline in
remedial management
1 Includes Limit Setups
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