Yes Bank Limited · NSE:YESBANK
Yes Bank — FY2010 Earnings Presentation
19 slides from Yes Bank's earnings presentation, Dec 3, 2010
Slide 1: Investor Presentation Q4FY10 & FY10 Update
INVESTOR PRESENTATION Q4FY10 & FY10 Update
Slide 2: Key Financial Highlights – Q4FY10 & FY10
Key Financial Highlights – Q4FY10 & FY10 Net Profit after Tax of Rs. 1,400 million in Q4FY10 Q4FY10 and FY10 - Revenue and Profit growth compared to Rs. 801 million in Q4FY09 representing an Rs. million Q4FY10 Q4FY09 %g FY10 FY09 %g increase of 74.8%; Net Profit after Tax of Rs. 4,777 million Net In
Slide 3: Key Financial Highlights – Q4FY10 & FY10
Key Financial Highlights –Q4FY10 & FY10 Advances at Rs. 221.9 billion as at Mar 31, 2010; Growth of 78.9% y-o-y FY10 - Balance sheet growth Gross yield on advances of 9.7% in Q4FY10 (13.0% in Q4FY09); 10.8% in Rs. million Mar 31, 2010 Mar 31, 2009 %g FY10 (12.8% in FY09) Advances 221,931 124,031 78.
Slide 4: Consistent Financial Performance over the past 5 years
Consistent Financial Performance over the past 5 years 74% CAGR in Advance & Deposits Generating superior Shareholder Returns INR million INR million 300000 60000 25.0% 250000 50000 20.0% 200000 40000 150000 15.0% 30000 22,193 100000 10.0% 20000 50000 5.0% 10000 0 0 0.0% FY06 FY07 FY08 FY09 FY10 FY0
Slide 5: Key Business Highlights
Key Business Highlights INR million Steady growth in Net Interest Income (NII) 250,000 Advances Non-Funded Trade Exposure Steady growth in NII on account of growth in Advances & 200,000 Investments and improving margins 150,000 Advances grew by 78.9% y-o-y while Investments grew by 43.5% y-o-y. 100,
Slide 6: Key Business Highlights
Key Business Highlights Capital Funds Healthy Capital Adequacy of 20.6% with Tier I of 12.9% as at Mar 31, 2010 Total Capital Funds stand at Rs. 52.6 billion as at Mar 31, 2010 (Rs. 30.7 billion as at Mar 31, 2009) Healthy Asset Profile Specific Provision General Loan Loss Provision Gross NPA INR mi
Slide 7: Knowledge Driven Banking
Knowledge Driven Banking Focus on Growth sectors Food and Others Agribusiness Knowledge based approach to lending; Food and 22.1% 16.9% Agribusiness, Engineering, Infrastructure & Infrastructure Logistics, TMT (Technology, Media & Telecom) & Logistics and Healthcare constitute about 78% of total 20.
Slide 8: Well-diversified Liability Franchise
Well-diversified Liability Franchise Diversified, granular & sticky liabilities mix from multiple sources. The top 20 depositors contributed 18.8% of the total deposits profile as on Mar 31 2010. Steady growth in number of liability accounts (from both Institutional CASA retail and corporate segment
Slide 9: Relationship Capital
RELATIONSHIP CAPITAL 9
Slide 10: Corporate and Commercial Banking
Corporate and Commercial Banking Corporate and Institutional Banking Commercial Banking Customer Segmentation Customer Segmentation Large Corporates with more than INR 10 billion Emerging mid-Corporates of India with turnover, Government companies and turnover between INR 1.0 billion and INR 10 PSUs
Slide 11: Branch Banking (Business Banking and Retail)
Branch Banking (Business Banking and Retail) Business Banking (SME) Retail Banking (Includes Small Businesses) Customer Segmentation Customer Segmentation Small and Medium Enterprises (SMEs) with Current Account led Saving Account Strategy turnover less than INR 1.0 billion (with a focus with focus
Slide 12: Product Capital
PRODUCT CAPITAL 12
Slide 13: Transaction Banking
Transaction Banking Outstanding Liabilities as at end of FY Payments Bank of India INR million LC & Acceptances BG Significant investment made in this gestationary business 60,000 since the inception of the Bank 50,000 40,000 Catering to Corporates, Domestic & International Financial Institutions 30
Slide 14: Financial Markets
Financial Markets DCM Deals for the Quarter Product suite comprises Foreign Exchange & Derivative Sales, Debt Capital Markets (DCM), Fixed income trading and Balance Sheet Management Array of products right from vanilla FX spot/forward to structured currency/interest rate swaps/fixed income products
Slide 15: Financial Advisory
Financial Advisory Corporate Finance Select Transactions for the quarter Sole Structurer, Financial Advisor and Underwriter to the Infrastructure Structured & Project Advisory & Realty Indian microfinance industry’s first secondary market Banking Project Finance Syndication Banking transaction- Sale
Slide 16: Execution focused Human Capital
Execution focused Human Capital Name Designation Previous Assignment Rana Kapoor Founder/ Managing Director & CEO Managing Partner / CEO & Managing Director - Rabo India, Bank of America (16 years) Rajat Monga Group President – Financial Markets & Chief Financial Officer Head of Treasury - Rabo Indi
Slide 17: Capital Structure
Capital Structure Promoter Shareholding (*) Successful entrepreneurial track record at Rabo NRIs Others Promoter India Finance 0.47% 10.99% 27.16% Held leadership positions at Bank of America (16 years), ANZ Grindlays (2.5 years) FDI 14.81% Capital Raising – Recent Updates YES BANK successfully rais
Slide 18: Important Notice
Important Notice No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date.
Slide 19: Thank You
THANK YOU