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Earnings Call

YES Bank Earnings Call: Key Takeaways

YES Bank reported FY26 Net Profit of ₹3,476cr (up 44.5% YoY) with an exit ROA of 1%. Management focuses on sustainable growth and deposit granularity.

Why this was an Alfa AlertAchieved NIM of 2.6% for FY26, which improved 20 basis points and met the upper guidance from Q4FY25.
Highlights
Revenue growthNII for FY26 grew 9.3% YoY to ₹9,776 crores.
MarginsNIM improved to 2.7% in Q4; structural target 3.25-3.5% in 3 years.
Order bookTotal Advances at ₹2.73 lakh crores; Retail disbursements up 41% YoY.
Demand visibilityStrong domestic demand; secular growth across retail, SME, and corporate segments.
Management confidenceHigh; citing stable foundation and accelerating sequential momentum in Advances.

Growth

FY26 Net Profit grew 44.5% YoY; Q4FY26 PAT grew 44.7% YoY. Advances grew 11.1% and Deposits 12.1% YoY.

Outlook

Targeting 13-15% loan growth for FY27; aiming for 3.25-3.50% NIM and 1.5% ROA over 2-3 years.

Risks

Global geopolitical conflicts, inflation trajectories, and subjudice AT1 bond litigation impact on balance sheet.

Source

Earnings Call filed with BSE, NSE: YESBANK. Summary written with AI assistance from the document.

Read the document ↗

YES Bank Ltd: key numbers

Share price
₹21.18
Market cap
₹66,482 Cr
Revenue (annual)
₹30,208 Cr
Net profit (annual)
₹3,512 Cr
P/E (TTM)
17.6×Sector 21.7×
Promoter holding
0.00%+0.00% QoQ
FII holding
46.12%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

More from YES Bank Ltd

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22:53 IST NSE
Employee Stock Options

YES Bank Employee Stock Options

Yes Bank allotted 6,21,788 equity shares following the exercise of employee stock options. This allotment increases the bank's total paid-up share capital.

22:37 IST BSE
Employee Stock Options

YES Bank Employee Stock Options

Yes Bank allotted 6,21,788 equity shares following the exercise of stock options under its ESOS 2020 and RSU 2024 plans. The bank realized ₹0.84 Crore from this exercise.

Value
₹0.84 Cr
14:30 IST BSE
Debt & Borrowing

YES Bank Debt & Borrowing: ₹277.3 Cr

Yes Bank Ltd has successfully paid interest of ₹277.32 Crore on its Lower Tier II Bonds due on September 17, 2026.

Value
₹277.3 Cr
19:57 IST BSE
Management Change

YES Bank Management Change

Yes Bank's Chief Vigilance Officer, Mr. Binu Soman, has resigned from his position effective from the close of business hours on September 15, 2026.

22:28 IST BSE
Employee Stock Options

YES Bank Employee Stock Options

YES Bank allotted 1,50,182 equity shares under its ESOP schemes. The exercise of stock options results in an increase in the bank's paid-up capital.

22:17 IST BSE
Employee Stock Options

YES Bank Employee Stock Options

Yes Bank allotted 1,50,182 equity shares following the exercise of stock options under its ESOS and RSU plans. The bank realized ₹0.18 Crore from this exercise.

Value
₹0.18 Cr