Q3 2025 Yes Bank Ltd Earnings Call Transcript
Key Points
- Yes Bank Ltd (BOM:532648) reported a 25% year-over-year increase in pre-provisioning operating profits, marking the second consecutive quarter of operating profit expansion.
- The bank's CASA (Current Account Savings Account) ratio improved by nearly 350 basis points over the last four quarters, reflecting strong customer trust and acquisition.
- Yes Bank Ltd (BOM:532648) launched a new super app for businesses, enhancing its digital offerings and potentially boosting CASA and cross-sell opportunities.
- The bank achieved a strong recovery and resolution of 1,843 crores in the quarter, contributing to a cumulative recovery of over 4,400 crores for the financial year.
- Net interest margins remained stable at 2.4%, despite industry headwinds, indicating effective management of interest rate pressures.
- Retail segment continues to operate at a loss, with higher provisioning impacting profitability.
- Credit card slippages are rising, despite a slowdown in book growth, indicating potential risk in the unsecured lending segment.
- The bank's net interest margins have been flat for the last two quarters, despite improvements in CASA and reduction in high-cost deposits.
- There is a need for further improvement in the cost-to-income ratio, particularly in the corporate segment, due to competitive loan pricing.
- The bank's advances growth was moderate at 4.1% sequentially, with retail advances showing a decline, reflecting recalibration efforts.
Ladies and gentlemen, good day and welcome to Yes, Bank Q3 FY20 earnings conference call on the management panel we have with us today. Mr Prashant Kumar, managing director and Chief Executive Officer, Mr Rajan Pental, executive director, Mr Manish Jain, executive director, Mr Niranjan Baar, Chief Financial Officer, Mr Pankaj Sharma, Chief Strategy and Transformation Officer and Mr Sunil Parnami, head of Investor Relations and sustainability.
Mr Prashant Kumar will now give you an overview of the results which will be followed by a Q&A session as a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.
Should you need assistance during this conference? Please signal an operator by pressing star and then zero on your Touchstone phone.
Please note that this conference is being recorded before we. Proceed further with this call.
Please note while all efforts will be made that no unpublished price sensitive information would get shared in case of an inadvertent
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