Yes Bank Limited · NSE:YESBANK
Yes Bank — Q2 FY2010 Earnings Presentation
20 slides from Yes Bank's earnings presentation, October 2009
Slide 1: Investor Presentation Q2FY10 Update
INVESTOR PRESENTATION Q2FY10 Update
Slide 2: Key Financial Highlights – Q2FY10 and H1FY10
Key Financial Highlights – Q2FY10 and H1FY10 Net Profit after Tax of Rs. 1,117.1 million in Q2FY10 Q2FY10 and H1FY10 - Revenue and Profit growth compared to Rs. 636.2 million in Q2FY09 representing an Rs. million Q2FY10 Q2FY09 %g H1FY10 H1FY09 %g increase of 75.6%; Net Profit after Tax of Rs. 2,117.
Slide 3: Key Financial Highlights – Q2FY10 and H1FY10
Key Financial Highlights – Q2FY10 and H1FY10 Advances at Rs. 162.9 billion as at Sep 30, 2009; Growth of 41.5% H1FY10 - Balance sheet growth y-o-y Rs. million Sep 30, 2009 Sep 30 2008 %g Gross yield on advances of 11.1% in Q2FY10; 12.7% in Q2FY09 Advances 162,943 115,149 41.5% Investments 69,814 51,
Slide 4: Key Business Highlights
Key Business Highlights Steady growth in Net Interest Income (NII) INR million 200,000 Advances Non-Funded Trade Exposure Steady growth in NII on account of growth in Advances & 150,000 Investments and improving margins 100,000 Advances grew by 41.5% y-o-y while Investments grew by 35.7% y-o-y. 50,0
Slide 5: Key Business Highlights
Key Business Highlights Capital Funds CRAR of 17.3% and Tier I of 9.4% as at Sep 30, 2009 Total Capital Funds stand at Rs. 36.1 billion as at Sep 30, 2009 (Rs. 27.5 billion as at Sep 30, 2008) Healthy Asset Profile Gross NPA as a proportion of Gross advances reduced by 17 bps INR million q-o-q to 0.
Slide 6: Knowledge Driven Banking
Knowledge Driven Banking Food and Focus on Growth sectors Others; 21% Agribusiness; Knowledge based approach to lending; Food and 18% Agribusiness, Engineering, Infrastructure & Logistics, TMT (Technology, Media & Telecom) and Lifesciences & Chemicals constitute more than TMT; 18% 79% of total advan
Slide 7: Well-diversified Liability Franchise
Well-diversified Liability Franchise Diversified, granular & sticky liabilities mix from Institutional multiple sources CASA; 9.6% FD - Branch Deposits; Certificate of 10.7% Banking; Steady growth in number of liability accounts (from both Deposits; 13.6% retail and corporate segments); total deposi
Slide 8: Knowledge Capital
KNOWLEDGE CAPITAL 8
Slide 9: A Differentiated Approach to Banking
A Differentiated Approach to Banking Knowledge Banking Focuses on the sunrise sectors of the Indian economy Institutionalized a Development & Knowledge Banking division Provides industry specific financial solutions which facilitate superior structuring and tailored financial solutions One Bank appr
Slide 10: Relationship Capital
RELATIONSHIP CAPITAL 10
Slide 11: 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 PSUs, turnover between INR 1.0 billion and INR 1
Slide 12: 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 Small businesses near branch areas turnover less than INR 1.0 billion (with a focus on the INR 0.5 – 1.0
Slide 13: Product Capital
PRODUCT CAPITAL 13
Slide 14: Transaction Banking
Transaction Banking Number of Transactions Payments Bank of India LC BG BC 1000 Significant investment made in this gestationary business 800 since the inception of the Bank 600 400 Catering to Corporates, Domestic & International Financial Institutions 200 0 Focus on creating financial efficiencies
Slide 15: Financial Markets
Financial Markets DCM Deals for the Quarter Product suite comprise Fixed income sales, Debt Capital Markets (DCM), Fixed income trading and Balance Sheet Management Array of products right from vanilla FX spot/forward to Rural Electrification structured currency/interest rate swaps/fixed income prod
Slide 16: Financial Advisory
Financial Advisory Select Transactions for the quarter Corporate Finance YES BANK was the Exclusive Strategic and Infrastructure Structured & Project Advisory & Realty Financial Advisor divestment of 100% equity Banking Project Finance Syndication Banking ownership in Super Wind Project Private Limi
Slide 17: 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 India
Slide 18: Capital Structure
Capital Structure Promoter Hybrid Tier I / Tier II Investors Successful entrepreneurial track record at Rabobank India Held leadership positions at Bank of America(16 years), ANZ Grindlays(2.5 years) Pedigree domestic and foreign investors in Bank’s Hybrid Tier I and Tier II capital (LIC, Public Sec
Slide 19: 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 20: Thank You
THANK YOU