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25th April 2016, 08:29 AM
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Join Date: May 2012
Re: Yes Bank FY13 Results

Yes Bank, is India's fifth largest private sector Bank, co-founded by Rana Kapoor in 2004 Yes Bank is the only Greenfield Bank licence awarded by the RBI in the last two decades.

Yes Bank is a “Full Service Commercial Bank”, has steadily built a Corporate, Retail & SME Banking franchise, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country.

As per your demand here I am providing you YES BANK – Results Update (Q4FY13 and FY13)

Key Financial Highlights


Income Statement Highlights for Fourth Quarter ended March 31, 2013 (Q4FY13)

-PAT of Rs. 3,622 million in Q4FY13 compared to Rs. 2,718 million in Q4FY12 representing an increase of 33.2%

-NII of Rs. 6,381 million in Q4FY13 compared to Rs. 4,482 million in Q4FY12 representing an increase of 42.4%

-Non Interest Income of Rs. 3,794 million in Q4FY13 compared to Rs. 2,664 million in Q4FY12 representing an increase of 42.4%

-Total Net Income (NII and Non Interest Income) of Rs. 10,175 million in Q4FY13 compared to Rs. 7,146 million in Q4FY12 representing an increase of 42.4%

-Operating Profit of Rs. 6,339 million in Q4FY13 compared to Rs. 4,304 million in Q4FY12 representing an increase of 47.3%

-Non Interest Income to Total Net Income ratio of 37.3% for Q4FY13

-Cost to Income ratio of 37.7% in Q4FY13

-Yield on advances of 12.4% in Q4FY13

-Cost of funds of 8.4% in Q4FY13

-Net Interest Margin (NIM) of 3.0% in Q4FY13

-Return on Average Assets of 1.6% (annualized)

-Return on Equity of 25.2% (annualized)

-Basic EPS of Rs. 10.1 and Diluted EPS of Rs. 9.9 for Q4FY13 (not annualized)


Income Statement Highlights for Year ended March 31, 2013 (FY13)


-PAT of Rs. 13,007 million in FY13 compared to Rs. 9,770 million in FY12 representing an increase of 33.1%

-NII of Rs. 22,188 million in FY13 compared to Rs. 16,156 million in FY12 representing an increase of 37.3%

-Non Interest Income at Rs. 12,574 million in FY13 compared to Rs. 8,571 million in FY12 representing an increase of 46.7%

-Total Net Income in FY13 of Rs. 34,762 million compared to Rs. 24,728 million in FY12 representing an increase of 40.6%

-Operating Profit of Rs. 21,417 million in FY13 compared to Rs. 15,402 million in FY12 representing an increase of 39.1%

-Non Interest Income to Total Net Income ratio of 36.2% in FY13

-Cost to Income ratio of 38.4% in FY13

-Gross yield on advances of 12.4% in FY13

-Cost of funds of 8.6% in FY13

-Net Interest Margin (NIM) of 2.9% in FY13

-Return on Average Assets of 1.5%

-Return on Equity of 24.8% in FY13

-Basic EPS of Rs. 36.5 and Diluted EPS of Rs. 35.6 for FY13


Balance Sheet Highlights as at March 31, 2013

-Customer Assets (advances and credit substitutes) at Rs. 603.6 billion as at March 31, 2013; growth of 30.9% y-o-y

-Advances at Rs. 470.0 billion as at March 31, 2013; growth of 23.7% y-o-y

-Deposits at Rs. 669.6 billion as at March 31, 2013; growth of 36.2% y-o-y

-CASA at Rs. 126.9 billion as at March 31, 2013 and CASA ratio of 18.9%; growth of 71.6% y-o-y

-Retail Banking Liabilities (CASA + Retail Banking TD) has improved from 32.7% of Total Deposits as of March 31, 2012 to 35.5% as of March 31, 20134

-Balance Sheet size of Rs. 991.0 billion as at March 31, 2013; growth of 34.6% y-o-y

-Gross NPA at 0.20% of Gross Advances; Net NPA at 0.01% of Net Advances

-Specific loan loss coverage ratio of 92.6% as at March 31, 2013

-Total Capital Funds (Tier I + Tier II) of Rs. 123.0 billion as at March 31, 2013 (Rs. 93.3 billion as at March 31, 2012)

-Capital Adequacy Ratio of 18.3% at March 31, 2013 (Tier I at 9.5%)

-Book value per share of Rs. 161.9 as at March 31, 2013 (Rs. 132.5 as at March 31, 2012)

-Total headcount stands at 7,024 expanded from 5,642 on March 31, 2012, an increase of 1,382 employees (24.5% increase)

-Increased branch network from 356 Branches as of March 31, 2012 to 430 as of March 31, 2013; 228 ATMs added in the quarter to take the total number of ATMs to 951 (606 as of March 31, 2012)

-Dividend of Rs. 6 per share (60%) recommended by the Management and the Board, up 50% over FY12. The Bank has completed 4 consecutive years of rewarding Shareholders.

Yes Bank FY13 Results







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