YES BANK released the transcript of its earnings call for the un-audited financial results for Q2 (Jul-Sep) and the half-year ended September 30, 2025. The earnings call, held on October 18, 2025, discussed the bank’s financial performance and strategic initiatives. Key highlights include deposit growth, advances, asset quality improvements, and profitability. The transcript is available on the bank’s website.
Key Highlights from the Earnings Call
YES BANK’s management team, including Mr. Prashant Kumar (MD & CEO), Dr. Rajan Pental (Executive Director), and Mr. Niranjan Banodkar (CFO), shared insights on the bank’s performance and future strategies during the earnings call on October 18, 2025.
Deposit Growth and CASA Ratio
Total deposits reached INR 2.96 lakh crores, representing a 6.9% Y-o-Y increase and 7.4% Q-o-Q growth. CASA deposits showed stronger growth at 12.5% Y-o-Y, resulting in a CASA ratio of 33.7%, up 170 basis points Y-o-Y and 90 basis points Q-o-Q. Retail and Branch Banking-led deposits grew by 13.7% Y-o-Y, with a CASA ratio of 39.6% in this segment.
Advances and Asset Quality
Advances surpassed INR 2.5 lakh crores, growing by 6.4% Y-o-Y and 3.8% Q-o-Q. Fresh slippages decreased to 2% of advances from 2.4% in the previous quarter. The Provision Coverage Ratio (PCR) improved to 81%. NPA ratios remained flat with GNPA at 1.6% and Net NPA at 0.3%.
Net Interest Margin (NIM) and Profitability
The bank broadly maintained its Net Interest Margin (NIM) at similar levels as the last quarter. Net Profit grew by 18.3% Y-o-Y to INR 654 crores. Operating Profit increased by 32.9% Y-o-Y to INR 1,296 crores.
Strategic Developments
The SMBC transaction was completed, increasing their stake to 24.2%. State Bank of India remains a major shareholder with over 10% holding. YES BANK received credit rating upgrades from CRISIL and India Ratings, achieving a rating of AA- from all domestic credit rating agencies, the highest since March 2020.
Future Outlook and Targets
YES BANK aims to achieve a Return on Assets (ROA) of 1% by FY ’27 and opened 43 new branches and aims to open 80 branches this year. The bank focuses on profitable loan growth and aims for double-digit loan growth with Retail contributing 4%-5% for the entire year. The management expects cost-to-income structure between 2.5% to 2.6%.
Source: BSE
