Yes Bank Q1 profit rises 34% to ₹1,071 crore

Yes Bank reported a 34% year-on-year rise in standalone net profit to ₹1,070.99 crore for the quarter ended June 30, 2026, driven by robust growth in interest income and stable asset quality. The bank’s total income increased to ₹98,422.6 crore, up from ₹93,481.1 crore in the corresponding period of the previous year. Net profit for the consolidated entity stood at ₹1,071.8 crore for the quarter. The bank has made the audio recording of the earnings call held on July 18, 2026, available on its website.

The bank’s net interest income, the difference between interest earned and expended, rose to ₹2,78,646 lakh in Q1FY27 from ₹2,37,147 lakh in the same quarter last year. Interest earned grew to ₹80,443.2 lakh, while interest expended was ₹52,578.6 lakh. Operating profit before provisions and contingencies improved to ₹17,039.7 lakh, compared to ₹13,580.4 lakh in Q1FY26.

Asset quality showed marked improvement during the quarter. Gross NPAs declined to ₹3,70,485 lakh, or 1.3% of gross advances, down from ₹4,02,214 lakh, or 1.6%, a year ago. Net NPAs stood at ₹67,685 lakh, representing 0.2% of net advances. The bank’s provision coverage ratio remained robust, supporting the decline in bad assets.

Key Financial Metrics

Metric	Q1FY27 (Unaudited)	Q1FY26 (Unaudited)	Change
Net Profit (₹ in lakh)	107,099	80,107	+34%
Total Income (₹ in lakh)	984,226	934,811	+5%
Operating Profit (₹ in lakh)	170,397	135,804	+25%
Gross NPA (%)	1.3%	1.6%	-30 bps
Net NPA (%)	0.2%	0.3%	-10 bps
Capital Adequacy Ratio (Basel III)	15.1%	15.8%	-70 bps

Segmental Performance

Retail Banking led the segmental revenue generation with ₹40,467.1 lakh, followed by Corporate Banking at ₹33,598.6 lakh and Treasury at ₹21,351 lakh. The Corporate Banking segment reported the highest profit before tax at ₹6,309.6 lakh, while Retail Banking posted a profit of ₹357.2 lakh. The Treasury segment contributed ₹5,067.6 lakh to the profit before tax.

Operational Updates

The board approved the unaudited standalone and consolidated financial results for the quarter ended June 30, 2026. Additionally, the board approved a revised notice for the 22nd Annual General Meeting (AGM), which is scheduled to be held on August 19, 2026. The bank confirmed that there were no outstanding secured listed non-convertible debt securities as of June 30, 2026.

The joint statutory auditors, G. M. Kapadia & Co. and C N K & Associates LLP, issued an unmodified limited review report on the financial results. The bank also disclosed that it had transferred the Investment Fluctuation Reserve amounting to ₹728 crore to the accumulated balance in the Profit & Loss Account during the quarter, following RBI directions.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
-0.59%	-0.13%	-1.17%	+0.64%	+16.65%	+76.19%

Yes Bank reported provisional financial results for the quarter ended June 30, 2026, showing a year-on-year increase in advances and a stable liquidity position. The bank's advances grew to ₹285,315 crore, marking an 18.4% rise compared to the same period last year. Deposits stood at ₹315,397 crore, reflecting a 14.3% increase year-on-year, while the Credit to Deposit Ratio was recorded at 90.5%.

The bank's Current Account Savings Account (CASA) ratio, including Certificate of Deposits (CDs), was 32.7% for the period. The Liquidity Coverage Ratio (LCR) on a consolidated average quarterly basis improved significantly to 138.5%, up from 119.0% in the previous quarter and 135.8% in the year-ago period. These metrics highlight the bank's operational performance and liquidity management ahead of the official results announcement.

Earnings Call Announcement

Yes Bank will host a conference call to discuss the financial results for the quarter ended June 30, 2026. The call is scheduled for Saturday, July 18, 2026, at 3:00 PM IST. Key participants from the bank include Mr. Vinay Tonse, MD & CEO; Dr. Rajan Pental, Executive Director; Mr. Manish Jain, Executive Director; and Mr. Niranjan Banodkar, Chief Financial Officer.

Key Financial Metrics

The following table details the provisional financial figures for the quarter ended June 30, 2026, compared to the preceding quarter and the corresponding period of the previous year:

Particulars (Figures in INR Crores):	30-Jun-26	31-Mar-26	QoQ	30-Jun-25	YoY
A. Loans & Advances	285,315	273,445	4.3%	241,024	18.4%
B. Deposits	315,397	318,969	-1.1%	275,843	14.3%
Certificate of Deposits (CDs)	6,604	6,831	-3.3%	-	NM
CASA	103,258	111,959	-7.8%	90,351	14.3%
CASA Ratio (Incl CDs)	32.7%	35.1%	—	32.8%	—
C. Credit to Deposit Ratio (A / B)	90.5%	85.7%	—	87.4%	—
D. Liquidity Coverage Ratio (LCR)	138.5%	119.0%	—	135.8%	—

Regulatory Disclosures

The intimation was submitted in accordance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The bank clarified that the information provided is provisional and released ahead of the official announcement of financial results for the quarter ended June 30, 2026. These figures are subject to approval by the Audit Committee of the Board, the Board of Directors, and a limited review by the Statutory Auditors of the Bank. Specific provisions related to outstanding loans and advances as of March 31, 2026, were considered to arrive at the net advances figure for June 30, 2026.