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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


  • Net Profit at INR 151 Crores for Q3FY21 as compared to loss of INR 18,560 Crores in Q3FY20; up 16.5% q-o-q
  • Net Interest Income at INR 2,560 Crores grew 29.7% q-o-q aided by higher NIMs at 3.4%# up ~30 bps q-o-q
  • Non-Interest income for Q3FY21 at INR 1,197 Crores, grew 69.4% q-o-q. Significant increase seen in retail fees
  • Operating expenses at INR 1,472 Crores declined 13.2% y-o-y. C/I ratio improved to ~43.0%# in Q3FY21
  • Total step up in provisioning of ~ INR 2,935 Crores; consists of additional INR 765 Crores towards Covid19 related provisioning (aggregate at INR 2,683 Crores) and balance majorly towards increasing PCR of both NPA and NPI
  • Net Advances at INR 1,69,721 Crores grew 1.7% q-o-q; Strong pickup in Retail and SME disbursements
  • Liquidity Coverage Ratio remains healthy at 120.0% as on December 31, 2020
  • Capital position: CET I ratio at 13.1%, Total CRAR at 19.6%
  • Asset quality parameters improve q-o-q:
    • PCR for NPA improves to 76.8% vs. 75.7% last quarter; PCR for NPI at 77.9% v/s. 70.6% last quarter
    • GNPA of 15.4% (vs. 16.9% last quarter)
    • NNPA of 4.0% (vs. 4.7% last quarter)

#Among Peer Banks as per NPCI data; # Excluding one-off item. NIM at 3.9% and C/I ratio at 39%, after including one-off item

 

Key Highlights for Q1FY21​

  • Deposit mobilization continues; at INR 1,46,233 Crores grew 7.7% q-o-q and 38.8% over 9-month period. CD ratio further improved to ~116%
  • CASA Ratio at 26%: First q-o-q rise in 4 quarters; ~2.2 Lac CASA accounts opened in Q3FY21 vs. ~1.5 Lac last quarter
  • Sustained momentum in Operating Profits at INR 2,286 Crores, up 68.1% q-o-q
  • Cash Recoveries from NPA/ NPI at INR 1,512 Crores in Q3FY21 (INR 2,947 Crores for 9MFY21) of which P&L benefit at INR 1,283 crores (INR 2,430 Crores for 9MFY21)
  • Retail + SME disbursements at INR 11,917 Crores vs. INR 6,787 Crores in Q2; Retail advances mix at 28%, up ~400bps q-o-q
  • Continued Leadership in Technology: UPI: #1 in P2M transactions, >40% vol. market share, IMPS: #1 Remitter Bank*
  • The Bank has entered into collaboration with Salesforce, a global leader in CRM, to build next - gen retail tech. platform
  • Launch of next generation products: Corporate NetBanking, YES Premia, YES Private Prime, E-Series Debit Card

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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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