Investor Presentation FY22 & Q4FY22 Financial Results
Credit Cards: Resumption in business with an increase in cards base coupled with strong
growth in spends
YES BANK
1 Total cards base has grown consistently
873
8% Y-o-Y
946
Q4 FY20
26% Y-o-Y
1195
Q4 FY21
Q4 FY22
2 Strong Growth in Book & Card spends
All figures in INR Cr
49% Y-o-Y
25% Y-o-Y
17% Y-o-Y
38% Y-o-Y
2289
2159
1658
1451
1160
3 Differentiated Product Offering, Focused digital initiatives, Partnerships & Alliances
In (000s)
Comprehensive suite of 16 Products covering Consumer and Commercial Cards
Most rewarding Rewards Platform, allowing customers to share & adjust reward
points against statement outstanding with Reward Points that never expire
Best Foreign Currency Markup on select card variants & Hosted on most stable
technology platform Vision+ (Fiserv) and Falcon (risk monitoring platform)
Digitization of value-added offerings through self-service portal to enhance
customer experience
Partnerships with Fin-techs and affiliates to bolster distribution outreach
Book Size
Spends
2675
4 Digital Onboarding & Product Launches
Customer onboarding through ‘End To End digital journey' in partnership with
TransUnion CIBIL
Equipped with Video KYC for a 'NO Contact' processing. Video KYC penetration
at 63% in Mar'22
70% of Fresh Issuance through digital modes in Q4FY22
Achieved monthly (Mar'22) run rate of 55,000+ new card issuance and INR 1,000
crore + of spends
Book size of INR 2,150 Cr+ in Q4, FY'22.
Q4 FY20
Q4 FY21
Q4 FY22
26View entire presentation