Balance sheet and Cash Flow Analysis.xlsx

	A	B	C	D	E	F	I	J	K	L	M	N
1	BALANCE SHEET	CASH FLOW	PROFIT AND LOSS	RATIOS

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3	Yes Bank						Yes Bank
4	Balance Sheet(CR.)						Cash Flow(CR.)
5	Year	31/3/2022	31/3/2021	31/3/2020	31/31/2019	31/3/2018	Year	Mar '22	Mar '21	Mar '20	Mar '19	Mar '18
6	EQUITIES AND LIABILITIES							12 months
7	SHAREHOLDER'S FUNDS						Net Profit Before Tax	1435.85	-4735.07	-20825.92	2357.35	6194.31
8	Equity Share Capital	5,010.99	5,010.98	2,510.09	463.01	460.59	Net Cash From Operating Activities	23623.31	50155.94	-57640.53	-24661.17	-21877.72
9	Total Share Capital	5,010.99	5,010.98	2,510.09	463.01	460.59	Net Cash (used in)/from Investing Activities	-14493.46	5663.07	14159.3	-6281.79	-8691.86
10	Reserves and Surplus	28,730.89	28,185.35	19,216.20	26,441.19	25,297.69	Net Cash (used in)/from Financing Activities	8255.56	-34942.04	25038.31	33039.32	35747.92
11	Total Reserves and Surplus	28,730.89	28,185.35	19,216.20	26,441.19	25,297.69	Net (decrease)/increase In Cash and Cash Equivalents	17385.41	20876.97	-18442.92	2096.36	5178.34
12	Total ShareHolders Funds	33,741.88	33,196.33	21,726.29	26,904.20	25,758.28	Opening Cash & Cash Equivalents	29308.73	8383	26889.51	24734.37	19549.44
13	Deposits	197,191.73	162,946.64	105,363.94	227,610.18	200,738.15	Closing Cash & Cash Equivalents	46694.14	29259.97	8446.59	26830.73	24727.78
14	Borrowings	72,204.58	63,949.08	113,790.50	108,424.11	74,893.58
15	Other Liabilities and Provisions	15,082.03	13,450.71	16,946.18	17,887.68	11,055.60
16	Total Capital and Liabilities	318,220.22	273,542.76	257,826.91	380,826.17	312,445.61	Yes Bank
17	ASSETS						Key Financial Ratios
18	Cash and Balances with Reserve Bank of India	9,067.27	6,812.79	5,943.66	10,797.74	11,425.75	Year	Mar '22	Mar '21	Mar '20	Mar '19	Mar '18
19	Balances with Banks Money at Call and Short Notice	37,572.32	22,495.94	2,439.35	16,091.77	13,308.62	Leverage Ratios
20	Investments	51,895.56	43,319.15	43,914.83	89,522.03	68,398.94	Current Ratio	0.16	0.12	0.04	0.08	0.09
21	Advances	181,051.99	166,892.99	171,443.29	241,499.60	203,533.86	Debt Coverage Ratios
22	Fixed Assets	2,133.13	2,148.53	1,009.09	817	832.39	Total Debt to Owners Fund	8.4	7.2	10.9	13.2	11.1
23	Other Assets	36,499.96	31,873.36	33,076.71	22,098.02	14,946.04	Total Asset to Debt Ratio	1.12	1.14	1.09	1.08	1.09
24	Total Assets	318,220.23	273,542.76	257,826.93	380,826.16	312,445.60	Management Efficiency Ratios
25	OTHER ADDITIONAL INFORMATION						Cash Turnover Ratio	0.50	1.06	1.48	1.15	0.92
26	Number of Branches	1,122.00	1,070.00	1,135.00	1,120.00	1,100.00	Asset Turnover Ratio	0.06	0.07	0.08	0.09	0.06
27	Number of Employees	24,346.00	22,270.00	22,973.00	21,136.00	18,238.00	CAGR of Revenue	-1.26%
28	Capital Adequacy Ratios (%)	17.4	17.5	8.5	17	18
29	KEY PERFORMANCE INDICATORS
30	Tier 1 (%)	11.6	11.3	6.5	11	13
31	Tier 2 (%)	5.8	6.2	2	5	5
32	ASSETS QUALITY
33	Gross NPA	2,797.60	28,609.53	32,877.59	7,882.56	2,626.80
34	Gross NPA (%)	14	15	17	3	1
35	Net NPA	1,720.84	9,813.36	8,623.78	4,484.85	1,312.75
36	Net NPA (%)	4.53	5.88	5.03	2	1
37	Net NPA To Advances (%)	5	6	5	2	1
38	CONTINGENT LIABILITIES, COMMITMENTS
39	Bills for Collection	4,991.91	2,214.05	5,120.19	5,059.24	1,935.56
40	Contingent Liabilities	680,146.24	459,642.22	458,526.09	654,158.02	581,829.64
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45	Yes Bank
46	Profit & Loss account(CR.)
47	Year	Mar '22	Mar '21	Mar '20	Mar '19	Mar '18
48		12 mths	12 mths	12 mths	12 mths	12 mths
49	Income
50	Interest Earned	19,023.51	20,041.84	26,066.60	29,624.75	20,267.42
51	Other Income	3,262.47	3,340.72	11,856.49	4,590.15	5,223.83
52	Total Income	22,285.98	23,382.56	37,923.09	34,214.90	25,491.25
53	Expenditure
54	Interest expended	12,525.66	12,613.23	19,261.37	19,815.72	12,530.36
55	Employee Cost	2,855.69	2,430.38	2,599.87	2,469.77	2,188.92
56	Selling, Admin & Misc Expenses	7,289.77	21,160.32	64,902.69	15,685.16	6,362.73
57	Depreciation	398.36	353.23	335.63	301.54	230.97
58	Operating Expenses	8,694.10	15,504.40	39,487.65	12,041.84	5,259.07
59	Provisions & Contingencies	1,849.72	8,439.53	28,350.54	6,414.63	3,523.55
60	Total Expenses	23,069.48	36,557.16	87,099.56	38,272.19	21,312.98
61		Mar '22	Mar '21	Mar '20	Mar '19	Mar '18
62		12 months
63	Net Profit for the Year	-783.50	-13,174.60	-49,176.47	-4,057.29	4,178.27
64	Profit brought forward	-10,871.96	-6,897.39	10,759.56	10,375.30	7,933.39
65	Total	-11,655.46	-20,071.99	-38,416.91	6,318.01	12,111.66
66	Equity Dividend	0	0	463.39	622.4	548.81
67	Corporate Dividend Tax	0	0	95.25	127.97	111.74
68	Per share data (annualised)
69	Earning Per Share (Rs)	-0.31	-5.26	-39.18	-17.53	18.14
70	Equity Dividend (%)	0	0	0	100	135
71	Book Value (Rs)	13.47	13.25	17.31	116.22	111.85
72	Appropriations
73	Transfer to Statutory Reserves	890.82	512.35	680.27	585.66	1,122.11
74	Transfer to Other Reserves	0	0	0.01	-0.01	-0.01
75	Proposed Dividend/Transfer to Govt	0	0	558.64	750.37	660.55
76	Balance c/f to Balance Sheet	-10,696.57	-10,871.96	-6,897.39	10,759.56	10,375.30
77	Total	-9,805.75	-10,359.61	-5,658.47	12,095.58	12,157.95
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