How to calculate "Credit Cost of Banks"

Hi All, would someone be able to explain how credit of banks are calculated like for Yes Bank is around 50bps. What parameters go into this .

Thank you

You want to know credit cost or cost of funds? Credit cost = Loan Impairment charges which is otherwise known as Change in provision + charge off - recovery

Yes was looking for credit cost relating to loan impairment , so its a % of what as in the denominator ? Change in provision + charge off - recovery

Total outstanding or receivable. HTH