Sige Rama Subbareddy earnings call questions

Yes Bank Limited CC-Dec24.pdf · 2025-01-25

Some investor are talking about ESOP. At the end of the day, ESOP has to be distributed to the employees because they are working for our franchise to improve further. And we must respect our Board of Directors because I mean without these members, without their degree, this Bank would not have been in this position. Because we should understand like when Prashant sir and Rajan Pental, they were taking this company it was posted around INR 16,000 crores loss, GNPA was 17%, NPA was 7% and to raise the capital.

My question is like if you see quarter -on-quarter, but deposits are flat, 0% . So, maybe like coming quarters, like end of this year and next year this will improve or not, or it will be saturated because as I mentioned, we were coming from INR 99,000 crores and now it is INR 2,60,000- 2,70,000 approximately. So, is it saturated for our Bank and we expect any growth? That is one thing. And if you see our NIMs, it's like 2.4%, there is no improvement though we were showing the profits from other incomes and all. So, can you guide us on that aspect? So, there was one question related to AT-1, in between my call was disconnected . B ecause all this SBI, other private institutions and even retail investors, the FPO was successful because of write off of AT- 1 bonds. Now again, I mean, I'm not asking anything , how the Bank is prepared because we don't want any comments from the management because it is under the Supreme Court right now. So, how well the Bank is prepared in that situation? So, if you could answer this because 62-63 lakh retail investors are there and you all know that how our YES B ank stock is performing, even though other companies are doing well in public sectors, or private sectors in India, our company is like since from last year, if you see, though I understand that market cycles and all, so I would request our management to come and address what is happening in the Bank and how we are preparing? It's not only me. Okay. I do have patience. I'm going to wait 3 years, 5 years and I wish my Prashant Kumar sir, Rajan Pental sir, to be continued to be on the Board, next 5 years, 10 years, though next year our Prashant Kumar sir tenure is going to be over, but I request Prashant Kumar tenure and other board members that our leadership should be there in the Board.