Yes Bank Ltd.
YESBANKFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
17 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 17 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| COVER_LETTER | 20200508 | 2020-03-31 | no | |
| TRANSCRIPT | 20220506 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220726 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221025 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230124 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230727 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231026 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240202 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240726 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241104 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250131 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250424 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250725 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251027 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260122 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260424 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260724 | 2026-06-30 | yes |
YESBANK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 22.44 |
| 52-week range | 17.25 – 25.48 |
| Return 1M | -0.27% |
| Return 3M | -9.77% |
| Return 1Y | 5.9% |
| Return 3Y | 28.6% |
| Return 5Y | 74.63% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 8,054.00 |
| Interest on advances and bills | 6,107.00 |
| Income on investments | 1,479.00 |
| Interest on balances with the RBI and interbank funds | 156.00 |
| Other interest | 313.00 |
| Interest expended | 5,269.00 |
| Other income | 1,870.00 |
| Total income | 9,925.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | not disclosed | — |
| institutions foreign | 0.46 | -0.00 |
| institutions domestic | 0.24 | 0.02 |
| mutual funds | 0.06 | 0.02 |
| public | 1.00 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| COVER_LETTER | 2020-03-31 | 1 |
| TRANSCRIPT | 2026-06-30 | 16 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -16,554.00 | 10,695.00 | 9,645.00 | -2,376.00 | 6,386.00 | 12,199.00 | 21,217.00 |
| Net cash from investing activities | -3,225.00 | -104.00 | -12,431.00 | 10,794.00 | 8,527.00 | 1,320.00 | -4,971.00 |
| Net cash from financing activities | 4,539.00 | -6,561.00 | 2,771.00 | 1,314.00 | -5,651.00 | -9,294.00 | -6,485.00 |
| Purchase of property, plant and equipment | 278.00 | 462.00 | 981.00 | 364.00 | -20.00 | 394.00 | 739.00 |
| Net increase in cash | -15,346.00 | 4,014.00 | -38.00 | 9,726.00 | 9,249.00 | 4,234.00 | 9,780.00 |
| con:CFO.BEFORE_TAX | -16,510.00 | 10,762.00 | 10,022.00 | -2,382.00 | 6,444.00 | 11,936.00 | 20,185.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 43.00 | 67.00 | 377.00 | -6.00 | 58.00 | -263.00 | -1,032.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 73.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | -11,396.00 | 11,145.00 | 9,249.00 | 0.00 | -4,269.00 |
| con:PPE_DISPOSALS | 6.00 | 5.00 | 19.00 | 13.00 | -742.00 | 26.00 | 37.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-06-30 | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 5,135.00 | 5,475.00 | 6,714.00 | 6,989.00 | 7,458.00 | 7,725.00 | 7,737.00 | 7,833.00 | 7,623.00 | 7,605.00 | 7,389.00 | 7,553.00 | 7,662.00 | 8,054.00 |
| Interest on advances and bills | 4,032.00 | 4,313.00 | 5,122.00 | 5,353.00 | 5,636.00 | 5,719.00 | 5,837.00 | 5,904.00 | 5,835.00 | 5,765.00 | 5,633.00 | 5,744.00 | 5,866.00 | 6,107.00 |
| Income on investments | 784.00 | 846.00 | 1,143.00 | 1,265.00 | 1,386.00 | 1,495.00 | 1,444.00 | 1,417.00 | 1,340.00 | 1,363.00 | 1,285.00 | 1,393.00 | 1,383.00 | 1,479.00 |
| Interest on balances with the RBI and interbank funds | 242.00 | 235.00 | 212.00 | 97.00 | 52.00 | 120.00 | 51.00 | 120.00 | 102.00 | 113.00 | 112.00 | 87.00 | 96.00 | 156.00 |
| Other interest | 77.00 | 81.00 | 237.00 | 274.00 | 384.00 | 392.00 | 405.00 | 392.00 | 347.00 | 362.00 | 359.00 | 329.00 | 316.00 | 313.00 |
| Interest expended | 3,287.00 | 3,487.00 | 4,794.00 | 4,975.00 | 5,309.00 | 5,486.00 | 5,544.00 | 5,617.00 | 5,352.00 | 5,235.00 | 5,093.00 | 5,093.00 | 5,030.00 | 5,269.00 |
| Other income | 825.00 | 976.00 | 1,267.00 | 1,255.00 | 1,642.00 | 1,271.00 | 1,488.00 | 1,583.00 | 1,815.00 | 1,825.00 | 1,724.00 | 1,720.00 | 1,816.00 | 1,870.00 |
| Total income | 5,960.00 | 6,451.00 | 7,981.00 | 8,243.00 | 9,100.00 | 8,996.00 | 9,225.00 | 9,416.00 | 9,438.00 | 9,429.00 | 9,113.00 | 9,272.00 | 9,478.00 | 9,925.00 |
| Employee benefit expense | 857.00 | 852.00 | 920.00 | 938.00 | 1,057.00 | 1,010.00 | 1,041.00 | 1,038.00 | 1,053.00 | 1,057.00 | 1,046.00 | 1,220.00 | 1,079.00 | 1,181.00 |
| Operating expenses | 2,079.00 | 2,166.00 | 2,377.00 | 2,392.00 | 2,875.00 | 2,608.00 | 2,687.00 | 2,710.00 | 2,762.00 | 2,826.00 | 2,711.00 | 2,939.00 | 2,811.00 | 2,950.00 |
| Expenditure excluding provisions and contingencies | 5,366.00 | 5,653.00 | 7,171.00 | 7,367.00 | 8,184.00 | 8,094.00 | 8,231.00 | 8,327.00 | 8,114.00 | 8,060.00 | 7,803.00 | 8,032.00 | 7,841.00 | 8,219.00 |
| Operating profit before provisions | 594.00 | 798.00 | 810.00 | 876.00 | 916.00 | 902.00 | 995.00 | 1,089.00 | 1,324.00 | 1,369.00 | 1,310.00 | 1,240.00 | 1,637.00 | 1,706.00 |
| Provisions and contingencies | 175.00 | 583.00 | 506.00 | 556.00 | 465.00 | 212.00 | 297.00 | 259.00 | 318.00 | 284.00 | 419.00 | 22.00 | 188.00 | 394.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 419.00 | 215.00 | 304.00 | 320.00 | 451.00 | 691.00 | 697.00 | 830.00 | 1,006.00 | 1,085.00 | 891.00 | 1,218.00 | 1,449.00 | 1,311.00 |
| Tax expense | 104.00 | 55.00 | 76.00 | 78.00 | -17.00 | 175.00 | 131.00 | 211.00 | 261.00 | 276.00 | 227.00 | 262.00 | 367.00 | 239.00 |
| Profit for the period | 314.00 | 160.00 | 229.00 | 243.00 | 467.00 | 516.00 | 567.00 | 619.00 | 745.00 | 809.00 | 664.00 | 957.00 | 1,082.00 | 1,072.00 |
| Profit attributable to owners | 314.00 | 160.00 | 229.00 | 243.00 | 467.00 | 516.00 | 567.00 | 619.00 | 745.00 | 809.00 | 664.00 | 957.00 | 1,082.00 | 1,072.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:SHARE_OF_ASSOCIATES | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings per share, basic | 0.12 | 0.06 | 0.08 | 0.08 | 0.16 | 0.17 | 0.18 | 0.20 | 0.24 | 0.26 | 0.21 | 0.30 | 0.34 | 0.34 |
| Earnings per share, diluted | 0.12 | 0.06 | 0.08 | 0.08 | 0.16 | 0.17 | 0.18 | 0.20 | 0.24 | 0.26 | 0.21 | 0.30 | 0.34 | 0.34 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 27,606.00 | 30,919.00 | 30,208.00 |
| Interest on advances and bills | 21,083.00 | 23,295.00 | 23,008.00 |
| Income on investments | 4,958.00 | 5,694.00 | 5,424.00 |
| Interest on balances with the RBI and interbank funds | 458.00 | 393.00 | 410.00 |
| Other interest | 1,106.00 | 1,536.00 | 1,367.00 |
| Interest expended | 19,527.00 | 21,998.00 | 20,450.00 |
| Other income | 5,355.00 | 6,157.00 | 7,084.00 |
| Total income | 32,961.00 | 37,076.00 | 37,293.00 |
| Employee benefit expense | 3,887.00 | 4,142.00 | 4,401.00 |
| Operating expenses | 10,009.00 | 10,768.00 | 11,287.00 |
| Expenditure excluding provisions and contingencies | 29,537.00 | 32,766.00 | 31,737.00 |
| Operating profit before provisions | 3,424.00 | 4,310.00 | 5,556.00 |
| Provisions and contingencies | 1,887.00 | 1,086.00 | 912.00 |
| Profit before exceptional items and tax | — | 3,224.00 | 4,643.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 |
| Profit before tax | 1,538.00 | 3,224.00 | 4,643.00 |
| Tax expense | 252.00 | 777.00 | 1,131.00 |
| Profit for the period | 1,285.00 | 2,447.00 | 3,512.00 |
| Profit attributable to owners | 1,285.00 | 2,446.00 | 3,512.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 |
| con:SHARE_OF_ASSOCIATES | 0.00 | 0.00 | 0.00 |
| Earnings per share, basic | 0.45 | 0.79 | 1.12 |
| Earnings per share, diluted | 0.44 | 0.78 | 1.12 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Capital | 5,011.00 | 6,700.00 | 6,702.00 | 6,269.00 | 6,271.00 | 6,274.00 | 6,276.00 |
| Reserves and surplus | 29,384.00 | 34,727.00 | 35,453.00 | 40,175.00 | 41,565.00 | 42,997.00 | 44,887.00 |
| Deposits | 199,913.00 | 234,201.00 | 266,230.00 | 277,086.00 | 284,420.00 | 296,271.00 | 318,969.00 |
| Borrowings | 76,878.00 | 71,189.00 | 80,508.00 | 78,950.00 | 71,971.00 | 62,651.00 | 65,451.00 |
| Other liabilities and provisions | 23,795.00 | 19,031.00 | 17,469.00 | 16,649.00 | 19,889.00 | 21,967.00 | 34,621.00 |
| Total equity and liabilities | 334,981.00 | 365,848.00 | 406,362.00 | 419,130.00 | 424,116.00 | 430,161.00 | 470,204.00 |
| Cash and balances with the RBI | 27,076.00 | 15,443.00 | 18,139.00 | 22,822.00 | 15,260.00 | 14,754.00 | 16,745.00 |
| Balances with banks and money at call | 4,326.00 | 7,926.00 | 1,179.00 | 6,223.00 | 13,307.00 | 18,047.00 | 21,602.00 |
| Investments | 57,831.00 | 75,965.00 | 89,997.00 | 85,365.00 | 84,725.00 | 82,821.00 | 87,755.00 |
| Advances | 192,293.00 | 209,079.00 | 227,799.00 | 235,024.00 | 246,120.00 | 250,207.00 | 273,445.00 |
| Property, plant and equipment | 2,207.00 | 2,650.00 | 2,866.00 | 2,982.00 | 3,078.00 | 3,169.00 | 3,198.00 |
| Other assets | 51,248.00 | 54,785.00 | 66,381.00 | 66,713.00 | 61,625.00 | 61,162.00 | 67,459.00 |
| Total assets | 334,981.00 | 365,848.00 | 406,362.00 | 419,130.00 | 424,116.00 | 430,161.00 | 470,204.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 4,319.00 | 4,457.00 | 3,983.00 | 3,845.00 | 3,889.00 | 3,963.00 | 3,936.00 | 4,022.00 | 4,055.00 | 4,015.00 | 3,605.00 | 3,705.00 |
| Net non-performing assets | 1,885.00 | 1,934.00 | 1,330.00 | 1,246.00 | 1,168.00 | 1,143.00 | 800.00 | 797.00 | 771.00 | 671.00 | 653.00 | 677.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-04-21 | 2024-05-05 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| Domestic institutions | 40.91 | 42.20 | 41.73 | 39.93 | 38.30 | 38.32 | 38.40 | 38.84 | 39.53 | 0.40 | 0.21 | 0.21 | 0.22 | 0.24 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 0.02 | 0.03 | 0.04 | 0.04 | 0.06 |
| Insurance companies | 4.59 | 4.60 | 4.56 | 4.34 | 4.16 | 4.17 | 4.20 | 4.15 | 4.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Foreign institutions | 23.40 | 23.79 | 22.01 | 25.40 | 28.42 | 27.07 | 27.00 | 26.74 | 26.87 | 0.25 | 0.45 | 0.46 | 0.46 | 0.46 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Non-institutional | 35.69 | 34.00 | 36.26 | 34.67 | 33.28 | 34.61 | 34.60 | 34.42 | 33.60 | 0.35 | 0.34 | 0.33 | 0.32 | 0.30 |
| Shares outstanding | 28758015372 | 28761574292 | 28767882106 | 30047763015 | 31329643483 | 31335661712 | 31346885260 | 31350857549 | 31354115322 | 31365623464 | 31372300895 | 31378443140 | 31379757057 | 31386762229 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| State Bank of India | Investing Party | Any other transaction | 41,834,800,000.00 | 1 |
| YES Foundation | Body Corporate | Any other transaction | 220,800,000.00 | 2 |
| YES Securities (India) Limited | Wholly owned subsidiary | Any other transaction | 54,100,000.00 | 5 |
| Perfios Software Solutions Private Limited | Private Companies in which Directo | Any other transaction | 32,400,000.00 | 1 |
| Rajan Pental | Director* | Any other transaction, Remuneration | 19,700,000.00 | 4 |
| Prashant Kumar | Managing Director and Chief Execut | Any other transaction, Remuneration | 19,000,000.00 | 2 |
| Anshul Arzare | Managing Director* and Chief Execu | Any other transaction, Remuneration | 15,400,000.00 | 3 |
| Niranjan Banodkar | Key Managerial Personnel# | Any other transaction, Remuneration | 14,200,000.00 | 3 |
| Amar Ambani | Executive Director* | Any other transaction, Remuneration | 10,400,000.00 | 3 |
| Abhijeet Guin | Key Managerial Personnel# | Any other transaction, Remuneration | 9,100,000.00 | 3 |
| Shivanand R. Shettigar | Key Managerial Personnel# | Any other transaction, Remuneration | 8,600,000.00 | 4 |
| Atul Malik | Director* | Remuneration | 4,800,000.00 | 1 |
| Sadashiv Rao | Director* | Remuneration | 4,000,000.00 | 1 |
| Thekepat Keshav Kumar | Director* | Any other transaction, Remuneration | 3,900,000.00 | 2 |
| Rekha Murthy | Director* | Any other transaction, Remuneration | 3,800,000.00 | 2 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-24 | Q1FY27 | SUSTAINABILITY | Read the call |
| 2026-04-24 | Q4FY26 | SUSTAINABILITY | Read the call |
| 2026-01-22 | Q3FY26 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2025-10-27 | Q2FY26 | BANK LIMITED, OFFICER, YES BANK LIMITED | Read the call |
| 2025-07-25 | Q1FY26 | BANK LIMITED | Read the call |
| 2025-04-24 | Q4FY25 | BANK LIMITED | Read the call |
| 2025-01-31 | Q3FY25 | BANK LIMITED, OFFICER, YES BANK LIMITED | Read the call |
| 2024-11-04 | Q2FY25 | BANK LIMITED | Read the call |
| 2024-07-26 | Q1FY25 | BANK LIMITED | Read the call |
| 2024-02-02 | Q3FY24 | BANK, BANKING, YES BANK, OFFICER, YES BANK, RELATIONS, YES BANK, TRANSFORMATION OFFICER, Y | Read the call |
| 2023-10-26 | Q2FY24 | BANKING - YES BANK, OFFICER - YES BANK | Read the call |
| 2023-07-27 | Q1FY24 | BANK LIMITED | Read the call |
| 2023-01-24 | Q3FY23 | BANK LIMITED, YES BANK LIMITED | Read the call |
| 2022-10-25 | Q2FY23 | CORPORATES – YES BANK | Read the call |
| 2022-07-26 | Q1FY23 | BANKING), CORPORATES), MANAGEMENT) | Read the call |
| 2022-05-06 | Q4FY22 | CORPORATES – YES BANK | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q2FY26 | Q3FY23 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY22 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | — | — | — | Small correction we have taken Rs.633 Crores let us say is the total provisioning required of which about Rs.160 Crores is something we have taken in … | — | — |
| Capital allocation | While the competitive intensity continues to remain high in deposits, we remain confident in executing our strategy with a sharp focus on granular seg… | — | So, there were some talks earlier of acquisition, some inorganic acquisition to boost PSL. | This reflects the trust in Yes Bank Brand, strong acquisition engine, a very well-run Deposit franchise which has been consistently delivering through… | As we have been consistently articulating over the past several quarters, our branches serve as the core fulcrum of our business, acting as the primar… | One would be in terms of acquisition of customers within the bank and do the profits okay. | Because going forward, in our Business Strategy, the Branches would be the fulcrum for acquisition of customers as well as in terms of servicing the c… | — |
| Costs | — | — | — | — | But I think the important part is that we have taken actions in terms of reducing our rate of interest on Saving Bank Account, where the cost of Savin… | — | And what would be the blended cost of Savings Account as of March '25? | — |
| Debt and cash | — | — | So, I will give an example of the Large Corporate Business where clearly we have pivoted away from the kind of Large Corporate Business that we should… | — | It's a reflection of what the asset reconstruction company is doing, although we keep getting cash flows from them. | — | — | — |
| Demand | — | — | — | — | — | — | — | — |
| Guidance | While we continue to see intense pressure on loan spreads, particularly within the wholesale segments, we expect the benefit to flow through from term… | Bank continues to maintain its near-term CASA guidance of 35%. | As communicated earlier, we expect another ~100 to ~110 basis point of accretion in CET1 ratio post the conversion of outstanding warrants. | It reflects our consistent synchronized execution and going forward we expect this momentum to continue and be added by our distribution ramp up, and … | Adjusting for this impact, the Net Profit after tax is actually INR 1,068 crores, translating to an annualized ROA of 1%, a guidance of achieving clos… | Second question Sir is on your guidance so clearly as of now we have around for full year this year we have around 1% 100 basis points of operating pr… | In line with our guidance, in FY '25, Bank had 100% compliance in PSL and all of its subcategories, which resulted in notable reduction of RIDF and ot… | For your question, so we had laid out a guidance for the next 4 to 5 years with a plan of around 400 branches with an average of around 80 branches pe… |
| Margin | The fifth important highlight is our good performance during the quarter in Cost-to-Income ratio. a) Despite lower treasury income during the quarter,… | So basically, sir, my question was that shouldn't have the sale of loans had some positive impact on margin in this quarter? | Ultimately, some of these products on the margin I will say again there are two elements. | Moving straight onto our Quarter 3 Results: As you would recollect, few quarters back we had outlined a detailed profitability improvement roadmap, wh… | Firstly, Margin expansion through RIDF rundown, CASA mix improvement and deposit price action. | The intent and idea is really to grow the loan book and aspirationally we did have a target of 15% at the start of the year and once that is back we w… | Despite the competitive macro environment, Bank's full year Net Interest Margin remained stable at 2.4%. | If I could just squeeze in one last question on the margin. |
| People | — | — | And yes, we do have a significant amount of fresh disbursement, fresh lines that get set up, yes utilizations could have its motions of some quarter, … | Now in Credit Cards, the way the book grows is always with a lag, because whatever you acquire subsequently builds up as a utilization, and hence the … | — | — | — | — |
| Pricing | — | — | — | Is this the savings growth also, in a way, inching up your blended SA cost or I mean, of course, apart from execution, its pricing is also paying a li… | So, if you could also shed light over there, I know we've taken a lot of pricing actions. | — | And second is to see if we can reprice the SA, pricing on the stock, which Prashant has spoken. | — |
| Revenue growth | YES BANK Limited October 18, 2025 b) Within the overall deposit growth, the CASA Deposits registered stronger growth at 12.5% Y-o-Y, and on average qu… | — | Our Y-o-Y Deposit growth (excluding Certificate of Deposit) is at 15.0% and which is higher than our Y-o-Y advances growth of 13.6% after excluding th… | — | For Quarter 3, the Bank reported Net Profit of INR 952 crores, registering a strong growth of 55% Y-o-Y and 45% on a quarter-on-quarter basis. | — | Regarding Advances and Deposits - though the headline growth was moderate, by design, it was anchored around our strategy of Profitable Growth. | — |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2023-01-24 | Q3FY23 | YES BANK LIMITED | Bank continues to maintain its near-term CASA guidance of 35%. |