Yes Bank Ltd.

Executive Summary : Mar 2010 - Mar 2019 : Non-Annualised : Rs. Crore

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar
2016 Mar 2017 Mar 2018 Mar 2019
12 mths 12 mths 12 mths 12 mths 12 mths 12 mths 12
mths 12 mths 12 mths 12 mths
IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP
-
Total income 2,950.86 4,719.02 7,165.91 9,598.75 11,703.03
13,749.01 16,265.44 20,586.80 25,492.53 34,214.89
Income from financial services 2,901.81 4,704.49 7,139.72 9,595.53
11,606.95 13,749.01 16,253.25 20,377.76 25,150.42 33,735.40
Fee based financial services income 379.11 586.97 767.69
1,076.21 1,260.92 1,976.48 2,459.17 3,139.96 4,137.96
3,636.15
Fund based financial services income 2,522.70 4,117.52 6,372.03
8,519.32 10,346.03 11,772.53 13,794.08 17,237.80 21,012.46
30,099.25
Interest income 2,369.71 4,041.75 6,307.35 8,294.00 9,981.36
11,572.00 13,533.44 16,424.64 20,267.42 29,624.74
Income from treasury operations 152.99 75.77 64.68 225.32 364.67
200.53 260.64 813.16 745.04 474.51
Income from non-financial services

Other income 44.02 14.53 26.19 96.08 9.80 203.63 342.11

479.10
Prior period and extraordinary income 5.03 3.22 2.39
5.41 0.39

Total expenses 2,473.12 3,991.88 6,188.91 8,298.19 10,086.98

11,743.69 13,726.04 17,256.70 21,267.97 32,494.61
Fund based financial services expenses 1,597.16 2,841.18 4,707.73
6,075.21 7,351.10 8,151.21 8,986.81 10,679.55 12,790.30
20,498.20
Interest expenses 1,581.75 2,794.82 4,691.72 6,075.21 7,265.09
8,084.18 8,966.72 10,627.34 12,530.36 19,815.71
Treasury operations expenses 15.41 46.36 16.01 86.01 67.03 20.09 52.21
259.94 682.49
Compensation to employees 256.89 362.33 475.15 655.54 784.40
979.66 1,296.80 1,805.04 2,188.92 2,469.77
Provisions 126.47 105.41 74.20 222.16 275.68 397.90
536.06 746.58 1,293.86 5,095.07
Prior period and extraordinary expenses 0.59 0.44 1.43 0.63 1.82 0.20 0.05
1.29
Provision for direct tax 248.75 365.04 473.02 625.05 708.50
904.75 1,226.75 1,714.02 1,969.74 637.06

PBPT net of P&E&OI 804.50 1,183.50 1,499.46 2,145.18 2,505.97

3,308.17 4,290.07 5,581.66 7,147.34 6,972.92
PBT 726.49 1,092.18 1,450.02 1,925.61 2,324.55 2,910.07
3,766.15 5,044.12 6,194.30 2,357.34
Profit after tax (PAT) 477.74 727.14 977.00 1,300.56 1,616.05
2,005.32 2,539.40 3,330.10 4,224.56 1,720.28
PAT net of P&E 473.30 727.58 978.43 1,297.97 1,617.87
2,005.52 2,537.06 3,324.69 4,225.85 1,719.89

Total liabilities 36,382.51 59,006.98 73,625.67 99,104.12 1,09,015.80

1,36,170.40 1,65,263.43 2,15,059.93 3,12,445.60 3,80,826.19
Shareholders' funds 3,089.55 3,794.07 4,676.64 5,807.67 7,121.74
 11,679.98 13,786.60 22,054.06 25,758.27 26,904.21
Paid up equity capital 339.67 347.15 352.99 358.62 360.63
417.74 420.53 456.49 460.59 463.01
Reserves and funds 2,749.88 3,446.92 4,323.65 5,449.05 6,761.11
11,262.24 13,366.07 21,597.57 25,297.68 26,441.20
Deposits 26,798.57 45,938.93 49,151.70 66,955.59 74,192.02 91,175.84
1,11,719.54 1,42,873.86 2,00,738.15 2,27,610.18
Borrowings 4,749.08 6,690.91 14,156.49 20,922.15 21,314.29
26,220.40 31,658.98 38,606.68 74,893.58 1,08,424.11
Current liabilities & provisions 1,745.31 2,583.07 5,640.84 5,418.71
6,387.75 7,094.18 8,098.31 11,525.33 11,055.60 17,887.69

Contingent liabilities 1,05,778.92 1,36,207.72 1,64,125.51 2,47,778.79 2,00,992.98

3,37,264.56 3,31,140.27 3,79,397.76 5,81,535.96 6,53,864.26

Net worth 3,089.55 3,794.07 4,676.64 5,807.67 7,121.74 11,679.98

13,786.60 22,054.06 25,758.27 26,904.21
Tangible net worth 3,089.55 3,794.07 4,676.64 5,807.67 7,121.74
11,679.98 13,728.18 21,954.00 25,579.99 26,671.94

Total assets 36,382.51 59,006.98 73,625.67 99,104.12 1,09,015.80

1,36,170.40 1,65,263.43 2,15,059.93 3,12,445.60 3,80,826.19
Net fixed assets 114.08 129.52 169.06 218.46 273.29
293.39 411.95 608.87 760.83 767.02
Investments 10,209.94 18,828.84 27,757.36 42,976.04 40,950.36
43,228.49 48,838.47 50,031.81 68,398.94 89,522.04
Current assets 3,141.19 4,498.71 7,557.32 8,719.55 11,845.45
16,645.79 17,185.18 31,361.88 38,641.15 45,974.50
Loans & advances 22,850.63 35,440.90 37,997.18 46,999.56 55,677.19
75,621.72 98,291.61 1,32,379.72 2,03,701.36 2,41,979.74
Cash and bank balance 2,673.25 3,495.97 3,585.54 4,065.77 5,891.67
7,557.15 8,218.43 19,549.45 24,734.37 26,889.52
Gross fixed assets 206.40 255.30 331.04 427.13 532.24
627.98 850.93 1,212.38 1,561.08 1,848.68

Profitability ratios (%)

Operating profit margin 27.72 25.16 21.00 22.36 21.59 24.06 26.40 27.39 28.42
20.67
Net profit margin 16.07 15.42 13.65 13.53 13.82 14.59 15.60 16.15 16.58 5.03
Return on net worth 20.08 21.14 23.10 24.76 25.03 21.33 19.92 18.55 17.68 6.53
Return on total assets 1.60 1.53 1.48 1.50 1.55 1.64 1.68 1.75 1.60
0.50
Return on capital employed 7.19 7.94 6.67 5.70 5.87 6.05 6.09 6.27 5.24
1.46

Average cost of funds (%) 6.15 6.64 8.09 8.04 7.92 7.59 6.88 6.54 5.48
6.48

Efficiency ratios
Total income / total assets 0.100 0.099 0.108 0.111 0.112 0.112 0.108 0.108 0.097
0.099
Total income / compensation to employees 11.467 13.024 15.081
14.638 14.920 14.034 12.541 11.402 11.646 13.853
Interest income of bank as % of working funds 8.89 8.76 10.14 10.04 9.92 9.90
9.47 8.93 8.55 9.00
Operating profit of bank as % to working funds 3.24 2.58 2.48 2.59 2.67
2.78 3.01 3.17 3.27 2.47
Net interest income / interest earned 33.251 30.851 25.615 26.752
27.213 30.140 33.744 35.296 38.175 33.111