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Earnings Call Transcript

YES Bank Earnings Call Transcript: Key Takeaways

Yes Bank reported strong profit growth but faces a significant capital overhang following a Supreme Court judgment on AT1 bonds.

Highlights
Revenue growthNet Interest Income grew 22.7% YoY to ₹2,822 Cr.
MarginsNIM moderation of 12-14 bps due to FCNR mobilization; upward bias expected.
Demand visibilityStrong demand in retail and corporate segments with 18-23% advances growth.
Management confidenceCautious regarding regulatory impacts but optimistic about core operational momentum.

Growth

Net profit rose 65% YoY to ₹1,080 Cr; operating profit increased 29.4% YoY to ₹1,678 Cr.

Outlook

Management aims to maintain a stable margin structure by December 2026 and improve by March 2027.

Risks

Supreme Court's AT1 bond reinstatement creates a 240 bps pro-forma hit to CET1 capital ratios.

Source

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

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YES Bank Ltd: key numbers

Share price
₹15.61
Market cap
₹49,001 Cr
Revenue (annual)
₹30,208 Cr
Net profit (annual)
₹3,512 Cr
P/E (TTM)
11.7×Sector 19.7×
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.

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