| 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
- ₹22.50
- Market cap
- ₹70,625 Cr
- Revenue (annual)
- ₹30,208 Cr
- Net profit (annual)
- ₹3,512 Cr
- P/E (TTM)
- 18.7×Sector 22.0×
- 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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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.
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
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Yes Bank Ltd has successfully paid interest of ₹277.32 Crore on its Lower Tier II Bonds due on September 17, 2026.
- Value
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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.
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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.
YES Bank Employee Stock Options
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