YES BANK LIMITED submitted its Investor Presentation for May 2026 to the National Stock Exchange of India Limited and BSE Limited pursuant to Regulation 30 and other applicable provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The submission was made by Sanjay Madhav Abhyankar, Company Secretary, on June 01, 2026, at 22:25:17 IST.

Financial Results - Q4FY26 & FY26

Profitability:

  • Q4FY26 Net Profit: INR 1,068 Cr, up 44.7% YoY and 12.3% QoQ
  • FY26 Net Profit: INR 3,476 Cr, up 44.5% YoY
  • Q4FY26 Operating Profit: INR 1,618 Cr, up 23.1% YoY and 31.2% QoQ
  • FY26 Operating Profit: INR 5,506 Cr, up 29.4% YoY
  • Q4FY26 RoA: 1.0% (annualized) vs 0.7% in Q4FY25 and 0.9% in Q3FY26
  • FY26 RoA: 0.8% vs 0.6% in FY25

Income Statement:

  • Q4FY26 NII: INR 2,638 Cr, up 15.9% YoY and 7.0% QoQ
  • FY26 NII: INR 9,776 Cr, up 9.3% YoY
  • Q4FY26 NIM: 2.7%, up 20 bps YoY and 10 bps QoQ
  • FY26 NIM: 2.6%, up 20 bps YoY
  • Q4FY26 Non-Interest Income: INR 1,730 Cr, down 0.5% YoY but up 6.0% QoQ
  • FY26 Non-Interest Income: INR 6,759 Cr, up 15.4% YoY
  • Q4FY26 Cost to Income Ratio: 63.0% vs 67.3% in Q4FY25 and 66.1% in Q3FY26
  • FY26 Cost to Income Ratio: 66.7% vs 71.3% in FY25

Balance Sheet:

  • Total Assets: INR 469,105 Cr, up 10.8% YoY
  • Advances: INR 273,445 Cr, up 11.1% YoY and 6.2% QoQ
  • Deposits: INR 318,969 Cr, up 12.1% YoY and 9.0% QoQ
  • CASA Deposits: INR 111,959 Cr, up 14.9% YoY
  • CASA Ratio: 35.1%, up 80 bps YoY
  • CD Ratio: 85.7%
  • Borrowings: INR 64,864 Cr, down 9.4% YoY
  • CET 1 Ratio: 13.8% vs 13.5% in Q4FY25 and 13.9% in Q3FY26

Asset Quality:

  • GNPA Ratio: 1.3% vs 1.6% in Q4FY25 and 1.5% in Q3FY26
  • NNPA Ratio: 0.2% vs 0.3% in Q4FY25 and Q3FY26
  • Provision Coverage Ratio: 81.9% vs 79.7% in Q4FY25
  • Q4FY26 Slippage Ratio: 1.6% of advances (1.4% excluding one-off)
  • FY26 Slippage Ratio: 1.8% vs 2.1% in FY25
  • Q4FY26 Recoveries & Upgrades: INR 1,547 Cr
  • FY26 Recoveries & Upgrades: INR 4,795 Cr
  • P&L gain from Security Receipts: INR 446 Cr in Q4FY26 and INR 1,559 Cr in FY26

Business Segments:

  • Retail Banking Advances: INR 126,056 Cr, up 4.7% YoY
  • Commercial Banking Advances: INR 69,947 Cr, up 14.5% YoY
  • Corporate & Institutional Banking Advances: INR 77,442 Cr, up 19.7% YoY
  • Q4FY26 Disbursements: INR 33,224 Cr, up 23.1% QoQ and 19.8% YoY
  • FY26 Disbursements: INR 103,545 Cr, up 5.8% YoY

Strategic Highlights:

  • CASA deposits crossed INR 1 lakh Cr milestone
  • 6 new branches operationalized in Q4FY26, totaling 82 branches in FY26
  • Strong institutional sponsorship from SMBC (13.0% stake) and SBI (13.0% stake)
  • ESG leadership: S&P Global ESG Score of 79/100, highest among Indian banks
  • Included in FTSE4Good Index Series for third consecutive year
  • Digital banking leadership: #1 UPI Payee PSP Bank, #2 UPI Payer PSP Bank
  • Credit card portfolio: 2.897 million cards with spends of INR 12,022 Cr in Q4FY26

PSL Shortfall:

  • PSL shortfall deposits reduced to INR 27,931 Cr (6.0% of total assets), down 24.5% YoY
  • Bank achieved NIL shortfall in PSL requirement (overall and subcategories)

Capital & Ratings:

  • Capital position remains healthy with CET-1 ratio at 13.8%
  • Credit rating upgrades across agencies: CRISIL A-/A1+ (Positive), ICRA AA- (Stable), India Ratings AA- (Stable), CARE AA-/A1+ (Stable)
  • Moody's upgraded issuer rating to Ba1 (Stable)

Governance:

  • Board comprises 50% independent directors
  • 14% of directors are women
  • Recognized as Great Place to Work® for fourth consecutive year