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Yes Bank Ltd

| Audited Standalone Results for the Quarter and Year Ended March 31, 2026

Report Source

⬤18th Apr 26

Summary : YES Bank reported strong FY26 financial performance with significant profit growth, improved asset quality, and robust operating cash flow.

Quarterly Report Analysis & Insights

Financial Disclosures

  1. FY26 Standalone: Interest Expended 2,039,319 Lakhs, Operating Expenses 1,102,859 Lakhs.
  2. FY26 Consolidated: Interest Expended 2,045,028 Lakhs, Operating Expenses 1,128,666 Lakhs.
  3. FY26 Standalone: Interest Earned 3,016,883 Lakhs, Other Income 675,934 Lakhs.
  4. FY26 Consolidated: Interest Earned 3,020,845 Lakhs, Other Income 708,430 Lakhs.
  5. FY26 Standalone: Net cash from operating activities 2,121,298 Lakhs, Net cash used in investing activities (495,741) Lakhs, Net cash used in financing activities (670,540) Lakhs.
  6. FY26 Consolidated: Net cash from operating activities 2,121,685 Lakhs, Net cash used in investing activities (497,070) Lakhs, Net cash used in financing activities (648,518) Lakhs.
  7. FY26 Standalone: Deposits 31,896,945 Lakhs, Advances 27,344,455 Lakhs, Total Assets 46,910,456 Lakhs.
  8. FY26 Consolidated: Deposits 31,896,923 Lakhs, Advances 27,344,455 Lakhs, Total Assets 47,020,407 Lakhs.
  9. Both standalone and consolidated results show strong profit growth and improved asset quality.
  10. Consolidated results include YES Securities (India) Limited.

Corporate Overview

  1. Primarily India
  2. IFSC Banking Unit in GIFT City (overseas operation)
  3. Ongoing legal proceedings regarding AT-1 bonds.
  4. Regulatory environment (RBI guidelines)
  5. Economic conditions
  6. Banking services including Treasury, Corporate, Retail, and Other Banking Operations.
  7. Confident and transparent, evidenced by unmodified audit opinion and proactive provisioning.
  8. Corporate customers
  9. Retail customers (including low-value individual exposures)
  10. Treasury
  11. Corporate Banking
  12. Retail Banking (including Digital Banking)
  13. Other Banking Operations
  14. Increased deposits and advances indicate growth.
  15. Projects under implementation with 4,522.02 crore outstanding.

Risk Factors

  1. Ongoing AT-1 bond litigation in Supreme Court.
  2. Uncertain impact of new Labour Codes.
  3. Slight decrease in Capital Adequacy Ratio.
  4. Investing cash flow turned negative year-on-year.

Key Drivers

  1. Net profit increased significantly year-on-year.
  2. Asset quality improved with lower NPAs.
  3. Operating cash flow saw substantial growth.
  4. Proactive provisioning strengthens balance sheet.

Auditor’s Report

  1. Unmodified opinion on Standalone and Consolidated Financial Results.
  2. Disclosures related to Basel III Pillar 3 (Leverage Ratio, LCR, NSFR) are on the website and not audited.

Board Commentary

  1. AT-1 bond litigation
  2. Potential impact of new Labour Codes.
  3. Ongoing Supreme Court litigation regarding AT-1 bond write-down.
  4. Projects under implementation with 4,522.02 crore outstanding.

Corporate Governance

  1. Auditors confirmed compliance with Code of Ethics.
  2. Audit Committee reviewed and recommended financial results.

Management Discussion & Analysis

Future Strategy

  1. Continued focus on core banking segments.

Macroeconomic Outlook

  1. Implied favorable operating environment based on positive financial results.

Operational Focus Areas

  1. Compliance with RBI guidelines and SEBI regulations
  2. Proactive provisioning for standard assets

Performance Drivers

  1. Significant increase in operating profit
  2. Improved asset quality (lower NPAs)
  3. Growth in deposits and advances

Risk Control Measures

  1. Proactive provisioning for standard assets
  2. Adherence to regulatory guidelines
  3. Legal defense for AT-1 bonds litigation

Critical Risks

  1. Legal and regulatory risks from AT-1 bonds litigation
  2. Potential impact of new Labour Codes on employee benefits