Yes bank has a CASA ratio of 31.1% and rest 68.9% is Fixed deposit. Because of rate hike their yield on advances are likely to go high which has a direct impact on asset quality but most of the advances of banks are Floating rate loan which means they keep on changing according to the economic condition. Current yield for yes bank is at 8.1% which might go up to 8.6% to 9% and their cost of deposit is 5.3% which might maximum go up to 5.6%. Reason being is their deposit rate is at 4.8% which is already quite high when compared to peers they will not increase it further. After this rate hike even after considering the increased bad asset they might end up making 10 to 20bps which is 200 to 400 cr
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