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Yes Bank Limited
(YESBANK)
Yes Bank Limited (YESBANK) vs. iShares MSCI India ETF (INDA)
Yes Bank Limited Business Overview & Revenue Model
Yes Bank Limited Financial Statement Overview
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 392.61B | 370.76B | 329.61B | 241.69B | 216.46B | 217.46B |
| Gross Profit | 175.14B | 150.77B | 134.34B | 93.70B | 91.17B | 91.35B |
| EBITDA | 36.18B | 37.17B | 20.83B | 14.15B | 14.67B | -31.29B |
| Net Income | 27.39B | 24.46B | 12.85B | 7.36B | 10.64B | -34.89B |
Balance Sheet | ||||||
| Total Assets | 4.11T | 4.24T | 4.06T | 3.55T | 3.19T | 2.74T |
| Cash, Cash Equivalents and Short-Term Investments | 245.55B | 285.67B | 634.06B | 193.56B | 28.28B | 119.29B |
| Total Debt | 672.35B | 719.71B | 911.56B | 891.19B | 873.57B | 817.92B |
| Total Liabilities | 3.63T | 3.76T | 3.64T | 3.14T | 2.85T | 2.40T |
| Stockholders Equity | 487.05B | 478.32B | 421.55B | 407.18B | 336.99B | 331.38B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -125.46B | 86.64B | -266.08B | 231.87B | 498.54B |
| Operating Cash Flow | 0.00 | -118.04B | 96.45B | -258.16B | 235.98B | 501.24B |
| Investing Cash Flow | 0.00 | 85.27B | -124.31B | -129.04B | -145.11B | 3.92B |
| Financing Cash Flow | 0.00 | 125.39B | 516.18B | 114.50B | 426.08B | 225.93B |
Yes Bank Limited Technical Analysis
Yes Bank Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹685.40B | 5.82 | ― | 2.87% | 14.34% | 20.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
68 Neutral | ₹583.03B | 17.71 | ― | ― | 5.15% | 52.75% | |
63 Neutral | ₹815.16B | 24.77 | ― | ― | 7.07% | -13.03% | |
62 Neutral | ₹638.83B | 131.74 | ― | 1.95% | -7.44% | -109.30% | |
61 Neutral | ₹650.60B | 15.03 | ― | 0.45% | 10.62% | -5.21% | |
61 Neutral | ₹541.62B | 38.44 | ― | 0.29% | 14.45% | -41.85% |
Yes Bank Limited Corporate Events
Yes Bank has informed the exchanges that its Nomination and Remuneration Committee approved the allotment of 178,130 equity shares on March 6, 2026 under its YBL ESOS 2020 Scheme and YBL RSU Plan 2024, following the exercise of an equal number of stock options, resulting in proceeds of about Rs 20.2 lakh to the bank. With this allotment, the bank’s paid-up share capital has marginally increased from Rs 62,758,905,354 to Rs 62,759,261,614, indicating a small dilution for existing shareholders as the total number of equity shares has risen to 31,379,630,807.
Yes Bank Limited, a leading private sector lender in India, continues to position itself as an actively followed name among global and domestic institutional investors, reflecting its efforts to maintain transparency and engagement with the capital markets. The bank, listed on NSE and BSE, focuses on retail and corporate banking solutions for a broad client base.
The bank disclosed that it participated in the Kotak Flagship ‘Chasing Growth 2026’ Conference on February 26, 2026, holding a series of one-on-one and group meetings with major institutional investors and asset managers. Participants included GIC, BlackRock, Balyasny Asset Management, 360 ONE Asset, and several India-focused funds, with Yes Bank emphasizing that no unpublished price-sensitive information was shared and that details of the interactions are available on its website in line with listing regulations.
Yes Bank has clarified that its multi-currency prepaid forex cards, issued in partnership with BookMyForex, were targeted by a series of unauthorized online transactions routed through 15 merchants in a Latin American country that does not require two-factor authentication. The bank’s fraud monitoring systems flagged an unusual spike in declined transactions on specific BIN numbers during the early hours of 24 February, prompting an immediate block on e-commerce transactions from that jurisdiction.
According to the bank’s internal review, fraudulent transactions worth about USD 0.28 million, impacting roughly 5,000 customers, were approved before controls fully kicked in, while 688 attempts amounting to about USD 0.1 million were successfully declined. Yes Bank said it is working with the card network to raise chargebacks so that affected customers do not incur losses, and it stressed that the incident and related media coverage are not expected to have any material impact on the bank, adding that it has no undisclosed information requiring regulatory disclosure at this stage.
Yes Bank Limited disclosed the outcome of its participation in the Goldman Sachs 2026 Asia Financials Corporate Day, where it held a virtual group meeting with a roster of major global institutional investors on February 25, 2026. The bank emphasized that no unpublished price-sensitive information was shared during these interactions, and it has posted the related regulatory disclosures on its website, underscoring its adherence to SEBI listing regulations and commitment to transparent investor communication.
Yes Bank Limited disclosed the outcome of its participation in the “Deutsche Bank India Credit Connect – 2026” conference held on February 24, 2026 in Mumbai, where it met a broad group of global institutional investors and asset managers. The bank reported that the interactions, conducted in a group physical meeting format, did not involve any sharing of unpublished price sensitive information, underscoring regulatory compliance while reinforcing its engagement with key international credit and investment stakeholders.
The meeting included representatives from major global firms such as AllianceBernstein, BlackRock, UBS, and T Rowe Price, signaling sustained interest from international investors in the bank’s credit story and outlook. By formally communicating this outcome under SEBI’s disclosure norms, Yes Bank demonstrates transparency in its investor relations practices and aims to strengthen its visibility and positioning within global credit and asset management circles.
Yes Bank Limited has submitted its latest investor presentation to the National Stock Exchange of India and BSE in compliance with SEBI disclosure regulations. The bank has requested the exchanges to place the presentation on record and disseminate it to stakeholders, signaling ongoing engagement with investors through updated financial and strategic information.
Yes Bank has allotted 33,500 equity shares with a face value of ₹2 each following the exercise of employee stock options under its 2020 ESOS scheme and 2024 RSU plan. The allotment, approved by the bank’s Nomination and Remuneration Committee, resulted in proceeds of ₹1,30,900 and reflects ongoing use of equity-based compensation for staff.
Following this issuance, the bank’s paid-up share capital rose marginally from ₹6,275.88 crore to ₹6,275.89 crore, with the total number of equity shares increasing to 3,137,945,2677. The move slightly dilutes existing shareholdings but underscores the bank’s continued reliance on stock-linked incentives as part of its remuneration structure for employees and management.
Yes Bank Limited participated in the Nuvama India Investor Conference titled “India: Shoring up Self-Reliance,” engaging with a wide set of institutional investors and asset managers in Mumbai. The bank held a series of physical group meetings on February 9, 2026, with firms including SBI Fund Management, Bandhan Life Insurance, Fidelity Management & Research (Hong Kong), and several investment advisers and capital firms.
The bank emphasized that no unpublished price-sensitive information was shared during these interactions, underlining adherence to securities disclosure norms. By formally disclosing the schedule and outcome of these meetings under SEBI’s listing regulations, Yes Bank signaled its ongoing efforts to maintain regulatory compliance and strengthen investor relations, which may support market confidence and transparency for shareholders and analysts.
Yes Bank Limited has reported the receipt of INR 282 crore under a one-time settlement agreement for a non-performing advance, against a total agreed settlement amount of INR 288 crore. The bank expects to receive the remaining balance shortly and noted that the net amount realized, after accounting for the NPA’s carrying value, exceeds the materiality threshold defined under amended listing regulations, prompting this formal disclosure under Regulation 30 of SEBI’s Listing Obligations and Disclosure Requirements, 2015.
YES Bank has received approval from the Reserve Bank of India to reappoint Dr. Rajan Pental as Executive Director for a further six-month term from 2 February 2026 to 31 July 2026, aligning with his superannuation date and subject to shareholder approval. Pental, who joined the bank in 2015 and has three decades of experience in financial services, oversees a wide span of critical businesses and functions, including branch and retail banking, SME and rural banking, credit cards, technology and operations, and marketing, underscoring his central role in YES Bank’s day-to-day operations and strategic direction. The bank confirmed that he is not debarred by any regulatory authority, and his continued presence on the board signals a drive for continuity in leadership and operational stability across key growth and customer-focused segments.
Yes Bank Limited’s board has approved the unaudited standalone and consolidated financial results for the third quarter and nine months ended 31 December 2025, complying with key disclosure and reporting norms under the Securities and Exchange Board of India’s listing regulations. The bank also confirmed that proceeds from its non-convertible debt securities have been fully utilized without any deviation from stated purposes, and that it has no outstanding secured listed non-convertible debt as of the quarter-end, reducing related disclosure requirements and signaling a streamlined liability profile for debt investors and other stakeholders.
Yes Bank Limited’s board of directors met on January 17, 2026 and approved the unaudited standalone and consolidated financial results for the third quarter and nine months ended December 31, 2025, along with the limited review report from its joint statutory auditors. The bank also confirmed that proceeds from its non-convertible debt securities have been fully utilized in line with stated purposes, reported that it has no outstanding secured listed non-convertible debt securities as of December 31, 2025, and noted that related regulatory disclosures and financial information have been made available through stock exchange links on its website.
Yes Bank reported a strong set of numbers for the third quarter and nine months ended 31 December 2025, with net profit for Q3FY26 rising 55.4% year-on-year to ₹952 crore and return on assets reaching 0.9%, or 1.0% excluding a one-off gratuity impact. The quarter saw improved net interest margins at 2.6%, robust non-interest income, and better operating leverage, reflected in a lower cost-to-income ratio, while retail and branch-led deposits grew 9% year-on-year and CASA deposits rose 8.5%, helping reduce the cost of deposits. Asset quality strengthened further, with slippages falling to 1.6% of advances, gross NPAs narrowing to 1.5%, net NPAs steady at 0.3%, and provision coverage rising to 83.3%, resulting in negligible net credit costs. The bank has also been included in the Nifty Bank index and reported its highest-ever S&P Global ESG score of 79, underscoring an improvement in its market positioning and governance profile as management signals confidence in accelerating growth, particularly in retail lending, and in building a more resilient, high-quality franchise.
Yes Bank Limited has allotted 528,275 equity shares with a face value of Rs. 2 each following the exercise of employee stock options under its YBL ESOS 2020 Scheme and YBL RSU Plan 2024, resulting in proceeds of Rs. 67,39,397.50 to the bank. This allotment marginally increases the bank’s paid-up share capital from Rs. 62,756,886,280 to Rs. 62,757,942,830, slightly diluting existing shareholdings but reinforcing the bank’s commitment to employee ownership and long-term incentive structures within its capital management framework.
Yes Bank Limited has disclosed that it has received a compliance certificate from its registrar and share transfer agent, KFin Technologies Limited, under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended December 31, 2025. The certificate confirms that details of the bank’s securities that were dematerialized or rematerialized during the quarter have been duly furnished to all stock exchanges where its shares are listed, underscoring the bank’s adherence to regulatory requirements and reinforcing transparency in its share transfer and depository processes for investors and regulators.
Yes Bank has provided provisional key business indicators for the quarter ended 31 December 2025, ahead of its formal financial results. The bank’s loans and advances rose 5.2% year-on-year to ₹257,508 crore and 2.9% sequentially, indicating continued credit growth, while total deposits increased 5.5% year-on-year to ₹292,484 crore but declined 1.3% quarter-on-quarter, suggesting some near-term pressure on deposit mobilisation. The CASA base grew 8.5% year-on-year with a marginal quarterly dip, taking the CASA ratio (including certificates of deposit) to 34.0%, slightly higher than both the previous quarter and the prior year, which points to a gradual improvement in the quality and cost of funding. The credit-to-deposit ratio rose to 88.0%, broadly in line with last year’s level, reflecting a more active deployment of deposits into lending, while the liquidity coverage ratio remained comfortably above regulatory thresholds at 123.8%, though lower than the prior year, signalling that the bank is balancing liquidity buffers with growth. These provisional metrics, subject to audit and board approvals, indicate that Yes Bank is sustaining loan growth and strengthening its funding mix, with implications for its profitability, liquidity management, and competitive positioning in the Indian banking sector.
Yes Bank has updated the stock exchanges that its planned transfer of the specified demat undertaking under its retail division to its subsidiary, Yes Securities (India) Limited, remains pending regulatory clearance from National Securities Depository Limited. The bank stated that there is no change to the details previously disclosed about the transaction, other than a revision to the expected completion timeline, and it will notify exchanges once NSDL’s approval is received and has also made the disclosure available via links on its website in line with listing regulations.
Yes Bank Limited has announced a revised schedule for its participation in the Deutsche Bank India Credit Connect 2026 conference, where it will hold group and one-on-one physical meetings with analysts and institutional investors in Mumbai and Delhi from February 23 to 25, 2026. The bank emphasized that the timetable may change due to exigencies and clarified that no unpublished price-sensitive information will be shared, underscoring its adherence to disclosure regulations while maintaining active engagement with the investment community.
Yes Bank Limited has disclosed that it received an order from the Uttar Pradesh Goods and Services Tax department relating to financial year 2021-22, imposing a penalty of Rs 3.3 crore under Section 73 of the Central and Uttar Pradesh GST Acts, in addition to tax demand and applicable interest on various GST-related issues. The bank maintains that it has strong factual and legal grounds to challenge the order and does not currently anticipate any material impact on its financial or operational activities; it plans to contest the demand through appropriate legal appeals within the prescribed timelines, signalling a controlled compliance and litigation response for stakeholders monitoring regulatory risk.