AI-generated · cited to primary sources · not investment advice
Yes Bank (532648) Jan 2025 Filing Analysis
Does management do what it says?
ROA doubled year-on-year to 0.6% for FY25, with a Q4 exit rate of 0.7%, showing progress toward the 1% target. (2 in progress, 1 met across 3 tracked commitments)
“In fact, as we look at our ROA journey of 1% over the next three years, the swing or the delta that will come in is actually going to come materially from the Retail business.”
Significant reduction in RIDF balances occurred in Q3, with a reduction of over INR 8,000 crores in the last week of December alone. (1 in progress across 1 tracked commitment)
“it marked the beginning of meaningful reduction in our outstanding RIDF deposit balances which reduced by over INR 8,000 crores largely towards last week of December ‘24. These RIDF deposits now stand at around 8% of our Total Assets”
See the full cited Management analysis of Yes Bank
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