ALFA Finder| Margins | NIM improved to 2.7%; targeting 3% plus over 2 years. |
|---|---|
| Demand visibility | Resilient domestic demand; strong momentum in manufacturing and loan growth. |
| Management confidence | High, citing strengthening fundamentals and recent rating upgrades. |
Growth
Net Interest Income grew 17.5% YoY; Total Advances rose 18.3% YoY. CASA deposits grew 14.3% YoY.
Outlook
Aspirations include 3% plus NIM over 2 years, full-year ROA around 1%, and loan growth of 15-17%.
Risks
Intense deposit competition and inflation impacting interest rates; unpredictable timing of SR portfolio recoveries.
Last quarter's promises, checked
Delivered
- Guided ~1% exit ROA FY26 → delivered 1% (= BEAT)
- Guided <50 bps Net Credit Cost → delivered negligible/0.5% (= BEAT)
- Guided INR 1,200cr SR recovery FY26 → delivered INR 1,113cr by Q3 (= BEAT)
Partly delivered
- Guided RIDF <5% by FY27 → delivered 6.9% in Q3 (= PARTIAL)
Missed
- Guided 15-17% loan growth → delivered 18.3% (= MISS/OVER)
- Guided 3% plus NIM → delivered 2.7% (= MISS)
Investor Presentation filed with BSE, NSE: YESBANK. Summary written with AI assistance from the document.
YES Bank Ltd: key numbers
- Share price
- ₹17.36
- Market cap
- ₹54,494 Cr
- Revenue (annual)
- ₹30,208 Cr
- Net profit (annual)
- ₹3,512 Cr
- P/E (TTM)
- 13.0×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 47.83%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from YES Bank Ltd
All →YES Bank Employee Stock Options
Yes Bank allotted 2,81,875 equity shares on 5 November 2026 under its ESOS 2020 and RSU Plan 2024. The bank received Rs. 16,09,875 from exercise of the options.
- Value
- ₹0.16 Cr
YES Bank Legal & Regulatory
Yes Bank's AT-1 bonds remain unrestored after the Supreme Court's 15 October 2026 judgment. Axis Trustee threatens contempt proceedings unless the bank acts within three days.
YES Bank Debt & Borrowing
Yes Bank is assessing a Supreme Court judgment on its AT-1 bonds. The coupon decision for the 18 October 2026 payment remains pending.
YES Bank Employee Stock Options
Yes Bank allotted 7,04,418 equity shares on exercise of employee stock options under its ESOS 2020 and RSU Plan 2024. The bank realised about ₹63.27 lakh and its paid-up capital rose accordingly.
YES Bank Credit Rating
Yes Bank announced that Moody's Investors Service has reaffirmed its long-term foreign currency issuer rating, deposit ratings, and baseline credit assessment at their existing levels.
YES Bank Results Correction
Yes Bank issued a corrigendum correcting the description of the Auditor's report on its financial results for the quarter ended September 30, 2026.