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YES BANK LIMITED

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INR

  • open

  • high

  • 52 week high

  • volume (no. of shares)

  • market capitalization

  • previous close

  • low

  • 52 week low

  • dividend per share

FINANCIAL HIGHLIGHTS


  • Successfully raised INR 15,000 Crores, one of the largest capital raise in India, through a Further Public Offering within 4 months of lifting of the YES Bank moratorium.
  • Pro-forma CET I ratio stands at 13.4% and total CRAR at 20.0%, based on June 30, 2020 position, including profits and post consideration of net proceeds from the capital raise through Further Public Offer
  • LCR improved to 114.1% as on June 30, 2020 from 37.0% on March 31, 2020
  • Repayment of INR 25,000 Crores (50%) till date towards the RBI special liquidity facility
  • Returned to profitability during Q1FY21 after 3 quarters, with Operating Profit at INR 1,147 Crores and PAT at INR 45 Crores
  • Continued Leadership in technology: UPI: #1 in P2M transactions, ~37% volume market share; transactions worth INR 1 Lakh Cr processed in Jun’20, IMPS: #1 Remitter Bank
  • Provision Coverage Ratio (PCR) in excess of 75%. (PCR in excess of 79% including technical write-offs)

 

Key Highlights for Q1FY21​

  • NNPA and Provision coverage ratios improve sequentially; GNPA declines on absolute basis:
    • PCR improves to 75.1% vs. 73.8% last quarter
    • GNPA of 17.30% (vs. 16.80% last quarter) – INR 32,703 Crores (vs. INR 32,878 Crores last quarter)
    • NNPA of 4.96% (vs. 5.03% last quarter) - INR 8,158 Crores (vs. INR 8,624 Crores last quarter)
  • Net Profit at INR 45 Crores for Q1FY21 in comparison to a loss of INR 3,668 Crores (from ordinary activities) last quarter
  • Operating profit at INR 1,147 Crores grew ~11x q-o-q, aided by higher NII and lower Operating expenses
  • Net Interest Income (NII) at INR 1,908 Crores grew 49.8% q-o-q aided by higher NIMs at 3.0% up ~109 bps q-o-q
  • Non- Interest income for Q1FY21 at INR 621 Crores, grew 3.9% q-o-q.
  • Operating costs declined ~ 21.7% q-o-q to INR 1,382 Crores
  • Total Provisions for Q1FY21 at INR 1,087 Crores, consisting of INR 642 Crores of Covid19 related provisioning
  • Deposits at INR 1,17,360 Crores grew 11.4% q-o-q aided by 26.4% q-o-q growth in CA deposits and 12.6% q-o-q growth in term deposits; CASA ratio at 25.8% in Q1FY21. During the quarter, intensified client outreach resulted in win back of mandates and acceleration in customer acquisition
  • Net Advances at INR 1,64,510 Crores declined 4.0% q-o-q; Retail Advances at 23.4% of advances.

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RECENT UPDATES


  • Mumbai, July 24, 2020: YES BANK announced the launch of WhatsApp banking services to empower customers and enable them to bank securely from the safety of their homes. This is in line with the Bank’s strategy of building a transformed ‘Digital Bank’ by making banking simpler and intuitive for customers.

    24 July, 3:42 PM

  • These materials are not for distribution, directly or indirectly, in or into the United States (including its territories and possessions, any State of the United States and the District of Columbia). These materials do not constitute or form a part of any offer or solicitation to purchase or subscribe for securities in the United States. The Equity Shares mentioned herein have not been, and will not be, registered under the United States Securities Act of 1933 (the “Securities Act”).

    17 July, 10:14 PM

  • These materials are not for distribution, directly or indirectly, in or into the United States (including its territories and possessions, any State of the United States and the District of Columbia). These materials do not constitute or form a part of any offer or solicitation to purchase or subscribe for securities in the United States. The Equity Shares mentioned herein have not been, and will not be, registered under the United States Securities Act of 1933 (the “Securities Act”).

    13 July, 5:14 PM

  • Mumbai, July 6, 2020: YES BANK announced the launch of ‘Loan in Seconds’, a unique solution enabling instant disbursement of retail loans for the Bank’s pre-approved liability account holders, in line with the Bank’s strategy of building a transformed ‘Digital Bank’. Leveraging on the Bank’s strong technology and analytics, which plays a critical role in identifying and customizing offers for each individual customer, this digital solution aims to provide hassle-free loans to help customers meet their financial needs across products.

    06 July, 4:26 PM

  • Mumbai, June 26, 2020: YES BANK announced the launch of a full service digital Savings Account in its endeavour to bring the Bank closer to citizens while ensuring physical distancing, thereby eliminating the need for a branch visit, physical documentation or any in-person interaction, in line with the Bank’s commitment to support citizens and communities while the country starts unlocking in phases. With this launch, the Bank aims to embrace inclusivity by widening its reach to cater to a diverse customer base, especially in tier 1 and tier 2 cities, in line with the Bank’s strategy of building a transformed ‘Digital Bank’.

    26 June, 2:49 PM

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