Investor Presentation FY22 & Q4FY22 Financial Results
Retail Assets: Fast growing diversified book
All figures in INR Crs
1 Retail asset disbursements momentum continues
7,530
5,006
Q4FY21
Q1FY22
3 Diversified retail book1
Highest Ever
■ Secured Business Loans
1% 1%
■ Personal Loans
2%
10,201
9,313
■ Auto Loans
20%
8,478
9%
■Commercial Vehicle Loans
2%
2%
■ Home Loans
■ Construction Equipment Loans
■Healthcare Finance Loans
14%
Business Loans
■Loan Against Securities
Inventory Funding
15%
17%
Q2FY22
Q3FY22
Q4FY22
■ Others
17%
YES BANK
Preferred financier status
with leading Auto OEMS
Dedicated, verticalized
structures to focus on
individual products &
improved governance (e.g.
Product head, NSM, Credit
Head)
2 On the back of purposeful digital investments
LOAN in seconds
Your dreams, just a click away.
YES
RO BOT
>IGI GOLD
A Digital Gold Loan Overdraft Account
1 Split basis gross retail advances
Loan in seconds (LIS) platform and front-end
automation initiatives (Yes Robot) have resulted in
lower TAT along with higher productivity
Sales Force implementation helping in process
improvement and customer delight
Pre-qualified Gold Loan OD for existing customers
24x7 digital process
4 Strong focus on book quality & collections
Retail Assets collections efficiency at 97.3% for month of March 2022
95.0%
Q4FY21
96.0%
Q1FY22
93.0%
Q2FY22
96.7%
95.0%
Q3FY22
Q4FY22
High share of secured loans in Retail Assets book - 81%, with healthy LTV ratios:
Avg. LTV for Affordable Home Loan ~69%
Avg. LTV for LAP -56%
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