Yes Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

7,543.22

7,378.84

7,595.88

7,616.13

7,829.14

7,730.49

7,719.15

Income On Investments

1,392.61

1,284.52

1,363.48

1,339.58

1,416.82

1,443.53

1,494.55

Interest On Balances With Rbi Other Inter Bank Funds

87.44

112.36

113.46

101.69

120.48

51.11

119.81

Interest / Discount On Advances / Bills

5,743.58

5,632.99

5,766.39

5,835.67

5,904.92

5,840.06

5,719.12

Others

319.59

348.97

352.55

339.19

386.92

395.79

385.67

Other Income

1,632.62

1,644.31

1,752.23

1,739.26

1,512.01

1,406.60

1,198.99

Total Income

9,175.84

9,023.15

9,348.11

9,355.39

9,341.15

9,137.09

8,918.14

Interest Expended

5,077.62

5,077.96

5,224.41

5,339.77

5,605.62

5,530.05

5,475.11

Net Interest Income

2,465.60

2,300.88

2,371.47

2,276.36

2,223.52

2,200.44

2,244.04

Total Expenditure (Excl Depreciation)

2,864.60

2,648.69

2,765.66

2,701.24

2,656.51

2,631.77

2,557.74

Employee Cost

1,169.10

1,006.84

1,020.41

1,016.82

1,003.87

1,007.63

980.09

Other Operating Expenses

1,695.50

1,641.85

1,745.25

1,684.42

1,652.64

1,624.14

1,577.65

Operating Profit Before Provisions and Contingencies

1,233.62

1,296.50

1,358.04

1,314.38

1,079.02

975.27

885.29

Exceptional Items

0.00

Provisions and contingencies

21.89

418.95

284.01

318.07

258.68

297.10

211.77

Profit Before Tax

1,211.73

877.55

1,074.03

996.31

820.34

678.17

673.52

Tax

260.11

223.08

272.96

258.19

208.07

125.13

171.09

Profit After Tax

951.62

654.47

801.07

738.12

612.27

553.04

502.43

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

951.62

654.47

801.07

738.12

612.27

553.04

502.43

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

0.3

0.21

0.26

0.24

0.2

0.18

0.16

Diluted Earnings per share

0.3

0.21

0.25

0.23

0.19

0.18

0.16

Operating Profit Margin (Excl OI)

61.73%

58.43%

59.85%

60.36%

62.76%

62.11%

64.12%

Gross Profit Margin

16.06%

11.89%

14.14%

13.08%

10.48%

8.77%

8.73%

PAT Margin

12.62%

8.87%

10.55%

9.69%

7.82%

7.15%

6.51%

Net Interest Margin

2.6%

2.5%

2.4%

Return on Assets

0.0%

CASA (%)

34.0%

33.7%

32.8%

34.3%

33.1%

32.0%

30.8%

CASA Amount

99,483.00

99,708.00

90,350.00

97,480.00

91,650.00

88,601.00

81,567.00

Capital Adequacy Ratio (Total)

14.5%

15.0%

15.8%

15.6%

15.2%

15.6%

16.3%

Capital Adequacy Ratio (Tier 1)

13.9%

14.0%

13.5%

12.59%

13.2%

13.3%

Provision Coverage Ratio (%)

83.33%

81.0%

80.2%

79.7%

82.4%

70.0%

67.6%

Amount of Gross NPAs

4,014.56

4,055.31

4,022.14

3,935.61

3,963.47

3,889.43

3,844.90

Amount of Net NPAs

671.19

770.84

797.25

800.14

1,142.62

1,168.02

1,246.03

% of Net NPAs

0.3%

0.5%

% of Gross NPAs

1.5%

1.6%

1.7%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1351.0

1316.0

1330.0

1331.0

1326.0

1325.0

1308.0

Number of Branches

1328.0

1295.0

1253.0

1255.0

1247.0

1237.0

1232.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Dec 2025 is -3.65% vs 12.09% in Dec 2024

Net Profit

YoY Growth in quarter ended Dec 2025 is 55.42% vs 164.53% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in quarter ended Dec 2025 is 14.33% vs 24.88% in Dec 2024

% of Net NPAs

YoY Growth in quarter ended Dec 2025 is -0.20% vs -0.40% in Dec 2024

% of Gross NPAs

YoY Growth in quarter ended Dec 2025 is -0.10% vs -0.40% in Dec 2024

Compare Quarterly Results Of Yes Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

7,543.22

11,372.88

-3,829.66

-33.67%

Income On Investments

1,392.61

2,028.70

-636.09

-31.35%

Interest On Balances With Rbi Other Inter Bank Funds

87.44

177.86

-90.42

-50.84%

Interest / Discount On Advances / Bills

5,743.58

8,932.32

-3,188.74

-35.7%

Others

319.59

234.00

85.59

36.58%

Other Income

1,632.62

1,706.51

-73.89

-4.33%

Total Income

9,175.84

13,079.39

-3,903.55

-29.85%

Interest Expended

5,077.62

6,811.23

-1,733.61

-25.45%

Net Interest Income

2,465.60

4,561.65

-2,096.05

-45.95%

Total Expenditure (Excl Depreciation)

2,864.60

3,961.40

-1,096.80

-27.69%

Employee Cost

1,169.10

1,517.88

-348.78

-22.98%

Other Operating Expenses

1,695.50

2,443.52

-748.02

-30.61%

Operating Profit Before Provisions and Contingencies

1,233.62

2,306.76

-1,073.14

-46.52%

Exceptional Items

0.00

Provisions and contingencies

21.89

2,088.60

-2,066.71

-98.95%

Profit Before Tax

1,211.73

218.16

993.57

455.43%

Tax

260.11

57.00

203.11

356.33%

Profit After Tax

951.62

161.16

790.46

490.48%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

951.62

161.16

790.46

490.48%

Face Value

2.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.30

2.07

-1.77

-85.51%

Diluted Earnings per share

0.30

2.00

-1.70

-85.0%

Operating Profit Margin (Excl OI)

61.73%

46.80%

0.00

14.93%

Gross Profit Margin

16.06%

1.92%

0.00

14.14%

PAT Margin

12.62%

1.42%

0.00

11.20%

Net Interest Margin

2.60%

0.00%

2.60

2.60%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

34.00%

0.00%

34.00

34.00%

CASA Amount

99,483.00

0.00

99,483.00

Capital Adequacy Ratio (Total)

14.50%

16.94%

-2.44

-2.44%

Capital Adequacy Ratio (Tier 1)

13.90%

15.74%

-1.84

-1.84%

Provision Coverage Ratio (%)

83.33%

0.00%

83.33

83.33%

Amount of Gross NPAs

4,014.56

11,604.62

-7,590.06

-65.41%

Amount of Net NPAs

671.19

3,303.97

-2,632.78

-79.69%

% of Net NPAs

0.30%

1.04%

-0.74

-0.74%

% of Gross NPAs

1.50%

3.56%

-2.06

-2.06%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,351.00

0.00

1,351.00

Number of Branches

1,328.00

0.00

1,328.00

Quarterly - Interest Earned

Interest Earned 7543.22 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 2.23% vs -2.86% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -3.65% vs 12.09% in Dec 2024

Quarterly - Net Profit

Net Profit 951.62 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 45.40% vs -18.30% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 55.42% vs 164.53% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,233.62 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -4.85% vs -4.53% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 14.33% vs 24.88% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.30%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.20% vs -0.40% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 1.50%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.10% vs 0.00% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.10% vs -0.40% in Dec 2024