Yes Bank Limited · NSE:YESBANK
Yes Bank — Q1 FY2027 Earnings Presentation
53 slides from Yes Bank's earnings presentation, Jul 18, 2026
Slide 1: Exchange cover letter: Press Release and Investor Presentation Q1FY27
YBL/CS/2026-27/062 July 18, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Corporate Relations Department Plot no. C/1, G Block, P.J. Towers, Dalal Street Bandra - Kurla Complex Mumbai – 400 001 Bandra (E), Mumbai - 400 051 BSE Scrip Code: 532648 NSE Symbol: YESBANK Dear S
Slide 2: Q1FY27 Key Highlights
July 18, 2026quality Q1FY27 Key Highlights YES BANK starts FY27 With Strong Growth Momentum, Higher Profitability, Improved Asset Quality and Rating Upgrades PAT grows ~34% Y-o-Y to INR 1,071 Crs Return on Assets at 0.9% NIM at 2.7% (up 20 bps Y-o-Y) C/I ratio at 62.8% (improves 420 bps Y-o-Y) ▪ Q1F
Slide 3: Q1FY27 - Financial Highlights
Q1FY27 - Financial Highlights Profit and Loss ▪ Q1FY27 NII at INR 2,786 Crs, up 17.5% Y-o-Y & 5.6% Q-o-Q ▪ NIM for Q1FY27 at 2.7% up 20 bps Y-o-Y, aided by lower cost of deposits and reduction in balances of PSL shortfall deposits ▪ Non-Interest Income at INR 1,798 Crs, up 3.9% Q-o-Q. Core Fee Growt
Slide 4: Asset Quality, Other Highlights/Achievements, About YES Bank
Asset Quality ▪ GNPA Ratio at 1.3% in Q1FY27 down 30 bps Y-o-Y; flat Q-o-Q ▪ NNPA Ratio at 0.2% in Q1FY27 down 10 bps Y-o-Y; flat Q-o-Q ▪ PCR at 81.7% in Q1FY27 v/s 80.2% in Q1FY26 and 81.9% in Q4FY26 ▪ Net Credit Costs for the quarter stood 0.3% of Avg. assets for the quarter v/s. 0.3% Q1FY26 ▪ Gro
Slide 5: Financial Highlights – Q1FY27 Results
Financial Highlights – Q1FY27 Results Profit & Loss Statement Highlights (INR Crs) Q1FY27 Q4FY26 Growth % Q1FY26 Growth % Net Interest Income 2,786 2,638 5.6% 2,371 17.5% Non-Interest Income 1,798 1,730 3.9% 1,752 2.6% Total Net Income 4,584 4,368 5.0% 4,124 11.2% Operating Profit/(Loss) 1,704 1,618
Slide 6: Investor Presentation Q1FY27 Financial Results
INVESTOR PRESENTATION Q1FY27 Financial Results July 18, 2026
Slide 7: Contents
Contents Financial Results – Q1FY27 YES BANK Franchise 2
Slide 8: Results At a Glance – Q1FY27
Results At a Glance – Q1FY27 All amounts in INR Crs Arrows indicative of Y-o-Y trends Total Assets Advances Deposits CD Ratio Advances Mix Disbursement1 Retail: Commercial: Corp. & Inst. Banking (CIB) 462,064 285,118 315,373 90.4% v/s. 33,945 45%:24%:31% (1.5%) : Q-o-Q 4.3% : Q-o-Q (1.1%) : Q-o-Q 85
Slide 9: Balance Sheet Highlights for Q1FY27 (1)
Balance Sheet Highlights for Q1FY27 (1) Advances & Deposits ▪ Sustained pickup in growth despite Q1 seasonality: Advances at INR 2,85,118 Crs, up 4.3% Q-o-Q and 18.3% Y-o-Y • Q1FY27 disbursements were INR 33,945 Crs, grew 3.0 % Q-o-Q • Commercial Banking Advances sustained momentum with 16.9% Y-o-Y
Slide 10: Balance Sheet Highlights for Q1FY27 (2)
Balance Sheet Highlights for Q1FY27 (2) Asset Quality, RIDF & Capital Position ▪ Asset quality continued to strengthen during the quarter with the Slippage Ratio at multi-quarter lows • Gross Slippages1 for Q1FY27 were INR 964 Crs (1.4% of Advances), 12.5% lower Q-o-Q v/s. INR 1,102 Crs (1.6%) in Q4
Slide 11: P&L Highlights- Q1FY27
P&L Highlights- Q1FY27 1 2 ▪ Net Profit for Q1FY27 at INR 1,071 Crs up 33.7% Y-o-Y and 0.2% Q-o-Q; despite significantly lower P&L Gains from SR portfolio & lower Treasury Income • RoA1 at 0.9% for Q1FY27 v/s. 0.8% in Q1FY26 and 1.0% in Q4FY26 • Q1FY27 Operating Profit at INR 1,704 Crs up by 25.5% Y
Slide 12: Key Achievements/ Initiatives- Q1FY27
Key Achievements/ Initiatives- Q1FY27 1 2 ▪ External Credit Ratings Upgrades ▪ Moody's upgraded to 'Ba1' / Stable from Ba2; S&P assigned inaugural 'BB+' / Stable establishing a two-agency international profile; ▪ CareEdge upgraded long-term ratings to 'CARE AA+ (Stable)' from 'CARE AA- (Stable)’, ▪
Slide 13: Profit and Loss Statement
Profit and Loss Statement All amounts in INR Crs ▪ Net Profit for Q1FY27 at INR 1,071 Crs up Quarter Ended Growth 33.7% Y-o-Y & 0.2% Q-o-Q Profit and Loss Statement Q1FY27 Q4FY26 Q1FY26 Q-o-Q Y-o-Y ▪ Operating Profit for Q1FY27 at INR 1,704 Net Interest Income 2,786 2,638 2,371 5.6% 17.5% Crs up 25.
Slide 14: Break Up of Non-Interest Income
Break Up of Non-Interest Income All amounts in INR Crs • Non-Interest Income at INR 1,798 Crs up 3.9% Q-o-Q and 2.6% Y-o-Y. Quarter Ended Growth Break up of Non Interest Income 1 • Interest on Income Tax refunds for Q1FY27 Q4FY26 Q1FY26 Q-o-Q Y-o-Y Q1FY27 at INR 119 Crs accounted in Non- Interest In
Slide 15: Break up of Operating Expenses
Break up of Operating Expenses All amounts in INR Crs • Improved Operational efficiency (jaws) with Total Income growth at 11.2% Y- Quarter Ended Growth 1 o-Y and Operating Expenses growth at Break up of Operating Expenses 4.1% Y-o-Y, for Q1FY27 Q1FY27 Q4FY26 Q1FY26 Q-o-Q Y-o-Y • Sustained control o
Slide 16: Provisions and P&L
Provisions and P&L All amounts in INR Crs • Provision Costs (non-tax) at INR 394 Crs for Quarter Ended Growth Q1FY27 Break up of Provisions Q1FY27 Q4FY26 Q1FY26 Q-o-Q Y-o-Y • Provisions for Investments include: Operating Profit/(Loss) 1,704 1,618 1,358 5.3% 25.5% • P&L gain from Security Receipts of
Slide 17: Balance Sheet
Balance Sheet All amounts in INR Crs • Balance Sheet expanded by 12.6% Y-o-Y Balance Sheet 30-Jun-26 31-Mar-26 30-Jun-25 Q-o-Q % Y-o-Y % driven by growth in Advances, Non SLR Investments and Deposits, and offset by Assets 462,064 469,105 410,248 -1.5% 12.6% 25.4% reduction in balances of Deposits pl
Slide 18: Break up of Advances & Deposits
Break up of Advances & Deposits All amounts in INR Crs Advances Segmental Break up of Advances 30-Jun-26 31-Mar-26 30-Jun-25 Q-o-Q % Y-o-Y % • Q1FY27 Advances up 18.3% Y-o-Y & 2 4.3% Q-o-Q Retail Banking ^ 127,147 126,056 118,981 0.9% 6.9% • Retail Banking Advances up 6.9% Y-o-Y driven by strong pic
Slide 19: Break up of Investments
Break up of Investments All amounts in INR Crs ▪ Total Net Investments at INR 92,738 Crs Investments Breakup • SLR – INR 81,070 Crs • Non SLR – INR 11,668 Crs • Standard Rated - INR 9,040 Crs: HTM 0.5% 99.95% Rated AA and above • Security Receipts- NIL AFS 6.3% • Others Standard 1- INR 2,627 Crs SLR
Slide 20: NPA Highlights
NPA Highlights All amounts in INR Crs • GNPA Ratio at 1.3% in Q1FY27 down 30 Asset Quality Parameters 30-Jun-26 31-Mar-26 30-Jun-25 bps on Y-o-Y basis; flat Q-o-Q Gross NPA (%) 1.3% 1.3% 1.6% • NNPA Ratio at 0.2% in Q1FY27 down 10 bps Y-o-Y; flat Q-o-Q Net NPA (%) 0.2% 0.2% 0.3% Provision Coverage R
Slide 21: Summary of Labelled & Overdue Exposures
Summary of Labelled & Overdue Exposures All amounts in INR Crs • Sustained reduction in Standard 30-Jun-26 31-Mar-26 30-Jun-25 Restructured Advances Particulars Gross Provisions Gross Provisions Gross Provisions • Recovery and Repayments during Q1FY27 NPA 3,705 3,028 3,605 2,952 4,022 3,225 from Sta
Slide 22: CET 1 Ratio at 14.0% - Strong Buffer, Improving Efficiency
1 CET 1 Ratio at 14.0% - Strong Buffer, Improving Efficiency 1 Bank’s Capital Adequacy Ratio 1 Key Parameters 15.1% 15.3% 16.2% 73.2% +11 bps 2.1% RWA/Assets 1.1% 1.5% DTA Q-o-Q Accretion +60 bps YoY CRAR TIER II CET 1 14.0% 13.8% 14.0% +119 bps CET 1 upside from DTA unwind over time 30-Jun-26 31-Ma
Slide 23: Contents
Contents Financial Results – Q1FY27 YES BANK Franchise 18
Slide 24: India's New-Age Private Sector Bank
India’s New-Age Private Sector Bank INR 2.85 Lakh Crs| 69% Diversified INR 3.15 Lakh Crs | 59% Loan Book | Share of Retail & Total Deposits | Share of Retail and Commercial Bank2 Balance Sheet Branch Banking led Deposits Digital Leadership Processes every 1 in 3 Digital Transactions in India; Prefer
Slide 25: Strong Institutional Sponsorship- catalyst for next phase of Growth
Strong Institutional Sponsorship- catalyst for next phase of Growth Overview Strong & Diversified Investor Base2 Sumitomo Mitsui Banking Corporation (“SMBC”) became YES Bank’s largest shareholder through the acquisition of SMBC 24.9% stake from SBI, other Investor Banks1 and separately from Carlyle
Slide 26: Retail Bank
Retail Bank Full spectrum Retail Bank Delivering Sustained Growth Momentum All amounts in INR Crs Sustained growth in Retail & Branch Banking led Deposits1 Pan-India presence via +10.8% Y-o-Y Contributing over 1,335 branches, 52% of the 249 BC banking Bank’s Total outlets and Business 168,563 171,97
Slide 27: Branch Banking
Branch Banking Strengthening the Liability Franchise through Distribution & Digital Transformation All amounts in INR Crs 1 Network Footprint stands at 1,335 branches and 249 BCBO outlets 2 Digital Journeys for seamless Customer Acquisition, Servicing & Cross sell Branches BCBO Assisted Digital Onbo
Slide 28: Strengthening Deposit Franchise with Improving Funding Costs
Strengthening Deposit Franchise with Improving Funding Costs and Outperformance in Branch Banking Sustained momentum in deposit accretion Controlled movement in Cost of Deposits CASA Ratio Continues to Improve, Narrowing Gap with Industry YES BANK vs. Industry Total Deposits Growth1 YES BANK Cost of
Slide 29: Retail Liabilities: New Product & Program Launches Q1FY27
Retail Liabilities: New Product & Program Launches Q1FY27 Purpose-built Propositions across every Customer and Business Segment SA Program Segmental Offerings Special Purpose A/c CA Segmental Offerings Women Senior Citizens Capital Gains A/C Foreign Entities Business ➢ SNRR- Current Account for ➢ Fr
Slide 30: Retail Liabilities: QR/Soundbox Solutions for Merchants
Retail Liabilities: QR/Soundbox Solutions for Merchants Building Granular Current Account Franchise through Customer Centric Approach QR/Soundbox Customer Collections QR/Soundbox Customer Balances Qtrly Avg Collections Qtrly Avg Balance 224 344 Indexed to 100 for Q1FY26 193 Indexed to 100 for Q1FY26
Slide 31: Retail Assets
Retail Assets Focus on Profitability enhancement 1 Diversified Retail Advances book1 2 Retail Banking Assets disbursements3: Calibration in Product & Sourcing mix In INR Crs % Share Q-o-Q Y-o-Y Retail Banking Assets 69.7% 1.1% 4.2% Secured Disb % Unsecured Disb % Secured 57.1% 1.7% 6.3% 8,004 9,510
Slide 32: Micro Enterprise Banking
Micro Enterprise Banking Catering MSME Market Segment 1 Steady Growth in Funded Book 4 Growth Avenues, Digitization & Product Innovation Y-o-Y growth: 9.6% Launched a new cashflow-based lending product “GST FinFast” leveraging GST and Banking data, with defined 20,933 20,633 TATs to enhance agility
Slide 33: Rural Assets & Inclusive and Social Banking
Rural Assets & Inclusive and Social Banking Driving Financial Inclusion Through Rural Lending & Women Microfinance All amounts in INR Crs RURAL ASSETS INCLUSIVE & SOCIAL BANKING Deepening the penetration in emerging rural markets & generating Agri PSL Catalyzing Inclusive Growth Through Women Microf
Slide 34: Credit Cards: Portfolio Optimization
Credit Cards Steady business growth 1 Sustained Strong Growth in Cards, Book Size & Card Spends 3 Key Initiatives Q1FY27 Spends (INR Cr.) No. of cards (‘000) Fee Lines Restructure: Portfolio Optimization 11,705 12,022 12,296 2.28% QoQ ▪ Benchmarked and revised fee structure across credit card varian
Slide 35: Retail Slippages – Significant Improvement
Retail Slippages1 – Significant Improvement All amounts in INR Crs Improvement continues in Retail Slippages ; lowest since 10 qtrs Improvement seen even on 1 Year lagged basis Early delinquencies i.e. 30+ also showing improvement Y-o-Y Retail Segment Slippages % of Retail Advances % of 1 Year Lagge
Slide 36: Significant progress on ensuring PSL compliance
Significant progress on ensuring PSL compliance Sustained momentum in Organic balances; NIL Shortfalls in Overall ; RIDF Deposits at 5.9% of Assets Comprehensive strategy adopted & currently under execution to substantially reduce the quantum of RIDF balances over a 2- year timeframe • On track Ensu
Slide 37: Wholesale Banking
Wholesale Banking Covering Diverse Client Segments with Deep Product Expertise CORPORATE & INSTITUTIONAL BANKING CLIENT SEGMENTS COMMERCIAL BANKING Large Financial Multinational & New Government Corporates Institutions Economy Corporates Banking Indian Commercial & Cooperative Banks, Multinational C
Slide 38: Corporate & Institutional Banking
Wholesale Banking Business (1) All amounts in INR Crs 1 Corporate & Institutional Banking 3 Providing tailored solutions to clients across business segments Funded O/S Non-Funded O/S • Team of 189 Relationship Bankers in 9 cities Large 88,228 • Focus on providing wide suite of banking products to de
Slide 39: Wholesale Banking Business (2)
Wholesale Banking Business (2) Building sustainable Liability Book • Comprehensive product suite for Corporates & • NBFCs – Escrows, SmartPay, BBPS, Payments Conglomerates • Co-operative Banks – CTS, CPS • API Banking, Phy-Gital cash mgt, Trade EX-IM, • Cross-Border - Exchange Houses / PA-CB Supply
Slide 40: Large Corporates
Large Corporates Strategic Pillars Focus Sectors Product Capabilities • Growth through new client acquisitions as well as • Renewable Energy • Auto & Auto Ancillaries Full-Suite Product Coverage deepening in existing clients • Electric Mobility • Electronics & Electricals Lending • High focus on imp
Slide 41: Financial Institutions
Financial Institutions Non Banking Financial Company Domestic Banks & FIs • Sustainable asset book building in well rated/ retail focused NBFC’s • Relationship coverage with Domestic Banks & FIs • Priority Sector Lending • Resource raising in the form of Borrowings & Refinance • Facilitating Co-lend
Slide 42: Multinational and New Economy Corporates
Multinational and New Economy Corporates • Preferred bank for Unicorns, Soonicorns • Digital and Transaction Banking Solutions Unicorns/ • Superior digital and Transaction Banking offerings Marquee MNCs Soonicorns • Supply Chain financing • Salary Account, Credit Cards & Retail Assets • 24x7 Transac
Slide 43: Government Banking
Government Banking Enabling Government for settlement & disbursement • Central Ministries • State Governments - Government Fund Flow Management Performance & Quick Turnaround in Solution Identification, Customisation & Delivery Implementation • Local Governments – Urban Local Bodies, Districts & Pan
Slide 44: Commercial Banking
Commercial Banking Growth led by NTB and Knowledge Sectors – Pharma, Leverage anchor-led cross-sell - higher wallet share Chemicals, Auto ancillary, ecosystems (dealer/ supplier and productivity Logistics, Metals financing) Strong coverage – presence Laser Sharp focus on portfolio Digital interface
Slide 45: Financial Markets
Financial Markets Customised solutions for clients Dedicated experienced product sales managers providing structured hedging solutions >15 yrs Remittances 38% YesFX Currency Pan India Presence through sales centres Exotics Notes 5-15 yrs Imports FX Sales 49% Full Active FX desk for providing best in
Slide 46: Project Finance, Real Estate & Loan Syndication
Project Finance, Real Estate & Loan Syndication Sector expertise, structuring depth and distribution capabilities • Sectoral Knowledge - Dedicated sector teams with domain knowledge – Renewable Energy, Roads, Ports, E-Mobility, Manufacturing (Metals & Mining, Cement, Chemicals, etc.) • Bespoke Solut
Slide 47: Transaction Banking
Transaction Banking Comprehensive product proposition with market leadership in Digital products Full Spectrum Banking across Industry Segments Cash Management Trade Finance Fiduciary Channel Products Government Non-Fund Fund Flow Digital Specialized Services PFMS – Fund Current/ API Banking Remitta
Slide 48: Digital and Transaction Banking
Digital and Transaction Banking Market Leadership – YBL processes ~1 in 3 Digital Payment transaction in India Best-in-class Super Apps – Distinctive Customer Experience Inorganic Client Acquisition via Fintech Partnerships UPI Payee PSP1 Digitizing client journeys & creating a quantum force multipl
Slide 49: Responsible franchise with sustainability at its core
Responsible franchise with sustainability at its core CSR & ESG Committee Sustainability Council Sustainable Finance (SF) Unit Purpose-led Culture ESG Excellence of the Board Highest governance body that drives the Executive committee that develops and Implements Bank's sustainability strategy Domai
Slide 50: Robust Governance Structure – Board Members
Robust Governance Structure – Board Members Eminent and Experienced Board Rama Subramaniam Gandhi Atul Malik Rekha Murthy Sharad Sharma Nandita Gurjar Sanjay Kumar Khemani Non-Executive, Part time Chairman, Independent Director Independent Director Independent Director Independent Director Independe
Slide 51: Our People: Building a Future-Ready, Inclusive Workforce
Our People: Building a Future-Ready, Inclusive Workforce Culture & Initiatives Composition and Attrition Governance & Ethics DE&I in Action Workforce Composition – Age wise Employee Turnover Whistle-Blower & Vigil Mechanism Women Leadership Program (Jombay) Board-approved policy; anonymous channel;
Slide 52: Awards & Accolades
Awards & Accolades A reflection of YES BANK's commitment to excellence YES BANK has been YES BANK shines at the YES BANK wins YES BANK has been honoured YES BANK has been conferred recognised among ET BrandEquity’s Brand the Most Sustainable Bank with the prestigious with Aspire For Her Impact Top 2
Slide 53: Thank You
Thank You Disclaimer: No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of information or opinions contained herein. The information contained in this presentation is only current as of its date.