Yes Bank Limited · NSE:YESBANK
Yes Bank — Q2 FY2027 Earnings Presentation
50 slides from Yes Bank's earnings presentation, Oct 17, 2026
Slide 1: Exchange letter: Press Release and Investor Presentation for Q2 FY27 results
YBL/CS/2026-27/119 October 17, 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 Dea
Slide 2: Q2FY27 Key Highlights
October 17, 2026quality Q2FY27 Key Highlights 1 ▪ P&L Highlights • Net Profit at INR 1,080 Crs, up 65.0% Y-o-Y; RoA at 0.9% and RoE at 8.2% • Operating Profit at INR 1,678 Crs, up 29.4% Y-o-Y; NII up 22.7% Y-o-Y and Core Fees growth at 15.5% Y-o-Y ▪ Balance Sheet Highlights • Total Deposits at INR 3
Slide 3: Q2FY27 - Financial Highlights
Q2FY27 - Financial Highlights Profit and Loss ▪ Net Profit for Q2FY27 at INR 1,080 Crs, up 65.0% Y-o-Y and flattish Q-o-Q ▪ Q2FY27 RoA at 0.9% v/s 0.6% in Q2FY26 and 0.9% in Q1FY27 ▪ Operating Profit for Q2FY27 at INR 1,678 Crs, up 29.4% Y-o-Y ▪ Q2FY27 NII at INR 2,822 Crs, up 22.7% Y-o-Y and 1.3% Q
Slide 4: Asset Quality, Other Highlights/Achievements, About YES Bank
Asset Quality ▪ GNPA ratio improved to 1.2% in Q2FY27 v/s 1.6% in Q2FY26 and 1.3% in Q1FY27 ▪ NNPA ratio at 0.2% in Q2FY27 v/s 0.3% in Q2FY26 and 0.2% in Q1FY27 ▪ PCR at 80.5% in Q2FY27 v/s 81.0% in Q2FY26 and 81.7% in Q1FY27 ▪ Net Credit Costs for the quarter stood at 0.3% of average assets v/s 0.4
Slide 5: Financial Highlights – Q2FY27 Results
Financial Highlights – Q2FY27 Results Profit & Loss Statement Highlights (INR Crs) Q2FY27 Q1FY27 Growth % Q2FY26 Growth % Net Interest Income 2,822 2,786 1.3% 2,301 22.7% Non-Interest Income 1,882 1,798 4.7% 1,644 14.4% Total Net Income 4,704 4,584 2.6% 3,945 19.2% Operating Profit/(Loss) 1,678 1,70
Slide 6: Investor Presentation Q2FY27 Financial Results
INVESTOR PRESENTATION Q2FY27 Financial Results October 17, 2026
Slide 7: Supreme Court Judgement on AT-1 Bonds
Supreme Court Judgement on AT-1 Bonds All 1 amounts in INR Crs 2 ▪ The Hon’ble Supreme Court, vide its judgment dated October 15, 2026, upheld the Bombay High Court judgment relating to the write-down of the Bank’s Additional Tier 1 Bonds (AT1) aggregating INR 8,415 Crs and dismissed the appeals fil
Slide 8: Contents
Contents Financial Results – Q2FY27 YES BANK Franchise 3
Slide 9: Results At a Glance – Q2FY27
Results At a Glance – Q2FY27 All amounts in INR Crs Arrows indicative of Y-o-Y trends Total Assets Advances Deposits CD Ratio Advances Mix3 Disbursement1, 3 Retail: Commercial: Corp. & Inst. Banking (CIB) 513,770 309,510 354,004 87.4% v/s. 45%:25%:30% 36,773 v/s. 11.2% : Q-o-Q 8.6% : Q-o-Q 12.2% : Q
Slide 10: Balance Sheet Highlights for Q2FY27 (1)
Balance Sheet Highlights for Q2FY27 (1) Advances & Deposits ▪ Advances at INR 3,09,510 Crs, up 23.7% Y-o-Y; Normalised for FCTL1 related to FCNR (B) 2, Advances growth at 17.6% Y-o-Y and 3.2% Q-o-Q • Q2FY27 disbursements at INR 36,773 Crs (ex. FCTL), grew 50.0% Y-o-Y and 8.3% Q-o-Q • Commercial Bank
Slide 11: Balance Sheet Highlights for Q2FY27 (2)
Balance Sheet Highlights for Q2FY27 (2) Asset Quality, RIDF and Capital Position ▪ Asset quality stable during the quarter • Gross Slippages1 for Q2FY27 were INR 1,035 Crs (1.3% of Advances), v/s. INR 964 Crs (1.4%) in Q1FY27, and INR 1,248 Crs (2.0%) in Q2FY26 • Net Credit Costs at 0.3% of Avg. ass
Slide 12: P&L Highlights- Q2FY27
P&L Highlights- Q2FY27 1 2 ▪ Net Profit for Q2FY27 at INR 1,080 Crs up 65.0% Y-o-Y; • RoA1 at 0.9% for Q2FY27 v/s. 0.6% in Q2FY26 and 0.9% in Q1FY27 • Q2FY27 Operating Profit at INR 1,678 Crs up by 29.4% Y-o-Y • Q2FY27 NII at INR 2,822 Crs up 22.7% Y-o-Y and 1.3% Q-o-Q • NIM at 2.6% v/s. 2.5% in Q2F
Slide 13: Profit and Loss Statement
Profit and Loss Statement All amounts in INR Crs ▪ Net Profit for Q2FY27 at INR 1,080 Crs up Quarter Ended Growth Profit and Loss Statement 65.0% Y-o-Y & up 0.8% Q-o-Q Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y ▪ Operating Profit for Q2FY27 at INR 1,678 Net Interest Income 2,822 2,786 2,301 1.3% 22.7% Crs up
Slide 14: Break Up of Non-Interest Income
Break Up of Non-Interest Income All amounts in INR Crs • Non-Interest Income at INR 1,882 Crs up Quarter Ended Growth 14.4% Y-o-Y and 4.7% Q-o-Q Break up of Non Interest Income 1 Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y • Interest on Income Tax refunds for Non Interest Income 1,882 1,798 1,644 4.7% 14.4% Q2
Slide 15: Break up of Operating Expenses
Break up of Operating Expenses All amounts in INR Crs • Operating Costs (Opex) at INR 3,026 Quarter Ended Growth Crs up 14.2% Y-o-Y & 5.1% Q-o-Q Break up of Operating Expenses 1 Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y • C/I for Q2FY27 at 64.3% (v/s.67.1% in Q2FY26) and 62.8% in Q1FY27 Manpower Cost 1,308 1
Slide 16: Provisions and P&L
Provisions and P&L All amounts in INR Crs • Provision Costs (non-tax) at INR 317 Crs for Quarter Ended Growth Break up of Provisions Q2FY27 Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y • Provisions for Investments include: Operating Profit/(Loss) 1,678 1,704 1,296 -1.5% 29.4% Provision for Taxation (A) 280 238
Slide 17: Balance Sheet
Balance Sheet All amounts in INR Crs • Balance Sheet expanded by 19.8% Y-o-Y Balance Sheet 30-Sep-26 30-Jun-26 30-Sep-25 Q-o-Q % Y-o-Y % driven by growth in Advances, Investments and Deposits, and partially Assets 513,770 462,064 429,035 11.2% 19.8% offset by 23.0% reduction in balances of Deposits
Slide 18: Break up of Advances
Break up of Advances All amounts in INR Crs Segmental Break up of Advances 30-Sep-26 30-Jun-26 30-Sep-25 Q-o-Q % Y-o-Y % Advances 1 Retail Banking ^ 131,252 127,147 120,802 3.2% 8.7% • Q2FY27 Advances up 23.7% Y-o-Y & 8.6% Q-o-Q Commercial Banking 75,043 69,743 62,430 7.6% 20.2% Corporate & Institut
Slide 19: Break up of Deposits
Break up of Deposits All amounts in INR Crs Deposits Break up of Deposits 30-Sep-26 30-Jun-26 30-Sep-25 Q-o-Q % Y-o-Y % • CASA + Retail TDs1 at 57.0% vs. 65.0% in CASA 106,175 103,233 99,708 2.8% 6.5% Q2FY26 and 65.2% in Q1FY27 Current Account 47,170 44,682 43,912 5.6% 7.4% • Retail & Branch led Dep
Slide 20: NPA Highlights
NPA Highlights All amounts in INR Crs • GNPA at 1.2% in Q2FY27 v/s. 1.6% in Asset Quality Parameters 30-Sep-26 30-Jun-26 30-Sep-25 Q2FY26 and 1.3% in Q1FY27 Gross NPA (%) 1.2% 1.3% 1.6% • NNPA Ratio at 0.2% in Q2FY27 v/s. 0.3% in Q2FY26 and 0.2% in Q1FY27 Net NPA (%) 0.2% 0.2% 0.3% Provision Coverag
Slide 21: Summary of Labelled & Overdue Exposures
Summary of Labelled & Overdue Exposures All amounts in INR Crs • Recovery, Repayments and Upgrades 30-Sep-26 30-Jun-26 30-Sep-25 Particulars during Q2FY27 from Standard Restructured Gross Provisions Gross Provisions Gross Provisions accounts amounted to INR 12 crs NPA 3,875 3,118 3,705 3,028 4,055 3
Slide 22: CET 1 Ratio at 13.7%
1 CET 1 Ratio at 13.7% 1 Bank’s Capital Adequacy Ratio 1 Key Parameters 14.5% 15.1% 15.6% 69.1% +11 bps 1.1% 1.7% RWA/Assets 0.8% DTA Q-o-Q Accretion CRAR -260bps YoY TIER II CET 1 13.7% 14.0% 13.9% +103 bps CET 1 upside from DTA unwind over time 30-Sep-26 30-Jun-26 30-Sep-25 External Rating 2 CET I
Slide 23: Contents
Contents Financial Results – Q2FY27 YES BANK Franchise 18
Slide 24: Strong Institutional Sponsorship
Strong Institutional Sponsorship 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 (CA Basque Investments) and others
Slide 25: Retail Bank
Retail Bank All amounts in INR Crs Accelerated growth in Retail & Branch Banking led Deposits1 Pan-India presence via +20.9% Y-o-Y Contributing over 1,336 branches, 52% of the 249 BC banking Bank’s Total outlets and Business2 186,186 186,691 207,985 * 171,978 173,305 1,369 ATMs, & CRM’s Q2FY26 Q3FY2
Slide 26: Branch Banking
Branch Banking All amounts in INR Crs 1 Network Footprint stands at 1,336 branches and 249 BCBO outlets 2 Digital Journeys for seamless Customer Acquisition, Servicing & Cross sell Branches BCBO Assisted Digital Onboarding • ~96% eligible SA accounts opened digitally through Assisted Digital +3.6% Y
Slide 27: Retail Liabilities: Offerings for Evolving Customer Needs
Retail Liabilities: Offerings for Evolving Customer Needs Comprehensive, Segment-Driven Banking Solutions Across Customer Groups SA Segmental Propositions - A Complete Family Banking Offering Salary Account for GCC 3 in 1 SA, Demat & Trading Women Senior Citizens Gen Z Smart Pro Salary • Exclusive s
Slide 28: 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 289 167 Indexed to 100 for Q2FY26 270 Indexed to 100 for Q2FY26
Slide 29: Retail Assets
Retail Assets 1 Diversified Retail Advances book1 2 Retail Banking Assets disbursements3: Calibration in Product mix In INR Crs % Share Q-o-Q Y-o-Y Secured vs Unsecured Disbursement Mix Product Mix – Q2FY27 Disbursements Retail Banking Assets 69.5% 3.3% 7.0% Secured 56.6% 2.7% 8.2% Secured Disb % Un
Slide 30: Micro Enterprise Banking
Micro Enterprise Banking Catering MSME Market Segment 1 Steady Growth in Funded Book 4 Growth Avenues, Digitization & Product Innovation YoY: 11.2% Implemented Pre-Approved Credit Enhancement (PACE) for Existing- 21,724 to-Bank (ETB) customers, enabling proactive, data-driven credit limit enhancemen
Slide 31: Rural Assets & Inclusive and Social Banking
Rural Assets & Inclusive and Social Banking 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 Microfinance 1 Business originations 1 3 Business originations 670 653 659 46
Slide 32: Credit Cards
Credit Cards 1 Sustained Strong Growth in Cards, Book Size & Card Spends 3 Key Initiatives Q2FY27 Spends (INR Cr.) New Product Launch: No. of cards (‘000) 3.6% QoQ ▪ Launch of ‘Essence’ credit card for the fast-growing salaried women segment Optimization 11,705 12,022 12,296 12,734 ▪ New co-branded,
Slide 33: Retail Slippages
Retail Slippages1 All amounts in INR Crs Retail Slippages continue to hold steady in recent quarters Similar trend 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 Lagged Advances Retail 31-90 Day O
Slide 34: PSL compliance
PSL compliance • On track Ensuring NIL shortfalls in sub-categories by year end • Focused Acceleration on Organic Sourcing in PSL sub-categories: SMF (Small & Marginal Farmers), NCF (Non-Corporate Farmers) and WS (Weaker Sections) Assets via expanding distribution, manpower, and productivity • Expan
Slide 35: 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 36: Wholesale Banking Business (1)
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 193 Relationship Bankers in 9 cities 91,659 Large 88,228 • Focus on providing wide suite of banking product
Slide 37: 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 38: 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 39: 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 40: 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 Accounts, Credit Cards & Retail Assets • 24x7 Transa
Slide 41: 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 42: 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 43: Financial Markets
Financial Markets Customised solutions for clients Dedicated experienced product sales managers providing structured hedging solutions >15 yrs Remittances 40% YesFX Currency Pan India Presence through sales centres Exotics Notes 5-15 yrs Imports FX Sales 43% Full Active FX desk for providing best in
Slide 44: 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 45: 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 46: 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 47: 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 48: 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 49: Our People: Building a Future-Ready, Inclusive Workforce
Our People: Building a Future-Ready, Inclusive Workforce Culture & Initiatives Composition Governance & Ethics Key People Initiatives Workforce Composition – Age wise Women in Workforce Whistle-Blower & Vigil Mechanism ‘LeadHERship’ Program Board-approved policy; anonymous channel; direct A three-mo
Slide 50: 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.