Q2 2026 Yes Bank Ltd Earnings Call Transcript

Oct 18, 2025 / 09:00 AM GMT

Transcript

Key Points

Positve

Yes Bank Ltd (BOM:532648) reported a strong growth in deposits, with a 6.9% year-over-year increase and a 7.4% quarter-on-quarter increase.
The bank's CASA deposits showed robust growth, with a 12.5% year-over-year increase, contributing to a CASA ratio of 33.7%.
Asset quality improved with fresh slippages reduced to 2% of advances, and the provision coverage ratio increased to 81%.
Net profit for the quarter was reported at 654 crores, marking an 18.3% year-over-year growth.
The bank received credit rating upgrades from two domestic rating agencies, reflecting its strengthened capital position and improved business performance.

Negative

The cost-to-income ratio remained high at 67.1%, indicating room for improvement in operational efficiency.
Despite improvements, the net interest margin faced pressure due to intense competition and loan spread shrinkage.
Retail banking operations have been historically unprofitable, although recent improvements have been noted.
The bank's loan growth, particularly in the retail segment, has been slower compared to industry peers.
There was a notable increase in provisions for non-performing assets, which could impact future profitability.

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

YESB.NS - Yes Bank Ltd
Q2 2026 Yes Bank Ltd Earnings Call
Oct 18, 2025 / 09:00AM 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 Q2 FY26 earnings conference call.

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

Doctor Rajan Pinter, executive director.

Mr. Manish Jain, executive director.

Mr. Niranjan Banukar, 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.

Should

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