This document provides an analysis of operations at Yes Bank, a private sector bank in India. It discusses Yes Bank's financial highlights including profits growing at 24% year-over-year, credit growth of 35.8%, and deposit growth of 22.9%. The document also reviews Yes Bank's progress towards targets in its "Version 2.0" plan and provides data on its capital adequacy, asset quality, income, and other indicators.

1. YES BANK
Analysis of Operations
Section B
Amanpreet Singh Thind (140102012)
Ambika Agrawal (140102014)
Ankit Agarwal (140102020)
Arihant Jain (140102028)
Gaurav Suryavanshi (140102045)
Kiranpreet Kaur (140102063)
Partha Saha (140102088)
Sovan Satyaprakash (140102128)

2. About Yes Bank
 India’s 5th largest private sector bank with headquarters in Mumbai
 Founders: Rana Kapoor and Lt. Ashok Kapoor in the year 2004
 MD and CEO: Rana Kapoor
 Vision: ‘To be recognized as the ‘Finest Quality Bank of the World in
India’ by 2020’ and ‘To evolve as the Professionals’ Bank of India’
 Mission: To establish a high quality, customer centric, service driven,
private Indian Bank catering to the ‘Future Businesses of India’

3. Yes Bank- Financial Highlights
 Profits grew at 24% YoY
 YoY NII growth at 28.4% from 2716 cr to 3488 cr
 GNPAs increased from 174.93 cr to 313.4 cr
 NNPAs grew by 0.12% YoY
 Credit growth of 35.8%
 Deposit growth of 22.9%
 CASA deposits grew by 110bps to 23.1%
 18.9% increase in other income from 1721.6 cr to 2046.5 cr

4. Yes Bank- Version 2.0 status
CATEGORY TARGET CURRENT STATUS
Branches 900 631
ATMs 2000 1194
Deposits 125000 cr 91158.78 cr
Advances 100000 cr 75549.82 cr
Balance Sheet size 150000 cr 136170.40 cr

5. Yes Bank- Credit Growth

6. Yes Bank- Cost of Funds

7. Yes Bank- Asset Quality

8. Yes Bank- CD ratio

9. Yes Bank- Income

10. Yes Bank- Capital Adequacy

11. Yes Bank- Profitability Indicators

12. ₹ in Crores
Day 1
2 to
7 Days
8 to
14 Days
15 to
28 Days
29 Days to
3 Months
Over 3
Months to
6 Months
Over 6
Months
to 1 Year
Over
1 Year to
3 Years
Over 3
Years to
5 Years
Over 5
Years
Total
Liabilities
Borrowings 0.00 45.00 2400.00 130.00 2334.61 3154.76 1526.77 5852.18 2021.28 8755.80 26220.40
Foreign Currency
Liabilities
0.41 4.95 12.54 35.89 834.61 2216.78 2878.02 3468.16 1106.15 2634.08 13191.59
Cumulative Outflows
(A)
0.41 50.36 2462.90 2628.79 5798.01 11169.55 15574.34 24894.68 28022.11 39411.99
Assets
Deposits 664.50 3944.63 3503.10 4511.78 11699.81 13615.10 23943.94 8900.50 19539.89 852.58 91175.83
Loans & Advances 278.48 982.93 1379.77 1623.76 8684.14 8111.43 9825.42 26200.36 9212.56 9250.97 75549.82
Investments Securities 0.00 59.99 103.88 755.83 4591.81 2511.66 2861.56 6539.85 4878.06 24302.60 46605.24
Foreign Currency
Assets
930.37 592.95 164.31 122.24 1097.31 783.68 444.55 379.95 265.66 103.63 4884.65
Cumulative Inflows (B) 1873.35 7453.85 12604.91 19618.52 45691.59 70713.46 107788.93 149809.59 183705.76 218215.54
Mismatch (B-A) 1872.94 7403.49 10142.01 16989.73 39893.58 59543.91 92214.59 124914.91 155683.65 178803.55 687462.36
Mismatch as a % of A 456815% 14701% 412% 646% 688% 533% 592% 502% 556% 454%
Statement of Structural Liquidity as on March 31, 2015

13. 3.14%
3.59%
2.61%
2.77%
2.99% 3.04%
2.91%
2.72%
2.85% 2.91%
3.19%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
3.50%
4.00%
2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15
NIM(%)
FY
Net Interest Margin of Yes Bank for a Period of 10 Years

14. S.No Indicators AXIS Bank DCB Bank HDFC ICICI IndusInd KMB Yes Bank
1
Capital
Adequacy
5.0 6.0 3.0 1.0 7.0 2.0 4.0
2 Asset Quality 4.0 6.0 2.0 7.0 3.0 5.0 1.0
3 Management 2.0 7.0 3.5 3.5 5.5 5.5 1.0
4 Earnings 1.5 7.0 3.5 5.0 1.5 3.5 6.0
5 Liquidity 4.0 6.0 2.0 1.0 3.0 7.0 5.0
Average of
Ratings
3.3 6.4 2.8 3.5 4.0 4.6 3.4
Overall Rank 2 7 1 4 5 6 3
#1 New Private Sector
Bank in India as per Asset
Quality with Lowest Net
NPA to Net Advances
#1 New Private Sector Bank
in India as per Management
with Highest Profit per
Employee and Business per
Employee Ratios
Comparative CAMEL Rating of Yes Bank

15. THANK YOU