Q1 2026 Yes Bank Ltd Earnings Call Transcript

Jul 19, 2025 / 09:30 AM GMT

Transcript

Key Points

Positve

Yes Bank Ltd (BOM:532648) reported a 59.4% year-over-year increase in net profit, marking the seventh consecutive quarter of profit growth.
The bank's return on assets (ROA) improved by 30 basis points to 0.8% compared to the same quarter last year.
Pre-provisioning operating profits (PPOP) increased by 53.4% year-over-year, supported by stable net interest margins and disciplined expense management.
The cost-to-income ratio improved to 67.1% from 74.3% in the same quarter last year, indicating better operational efficiency.
Yes Bank Ltd received multiple credit rating upgrades, including an upgrade from Moody's to BA2 with a stable outlook, reflecting stronger loss absorption buffers.

Negative

The bank's credit growth was only 5% year-over-year, which is below the previously guided 12% growth target.
There was an increase in fresh slippages, particularly from microfinance and small enterprise banking segments.
The net interest margin (NIM) faced pressure due to recent rate cuts, with expectations of further compression in the coming quarters.
The bank's retail banking segment advances remained flat, indicating challenges in growing this segment.
Yes Bank Ltd's reliance on treasury income to support ROA raises concerns about the sustainability of profit growth in the absence of core business expansion.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

YESB.NS - Yes Bank Ltd
Q1 2026 Yes Bank Ltd Earnings Call
Jul 19, 2025 / 09:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Yes Bank's Q1 FY26 earnings conference call.

On the management panel we have with us today Mr. Prashant Kumar, managing director and Chief Executive Officer.

Doctor Rajan Pinal, executive director.

Mr. Manish Jain, executive director.

Mr. Niranjan Bannukar, Chief Financial Officer.

And Mr. Sunil Purnami, head of investor relations and sustainability.

Mr. Prashant Kumar will now give you an overview of the results, which will be followed by a question and answer 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.

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