🔍

YESBANK - Yes Bank

📊 NSE: YESBANK 🏢 Banks - Private Sector 📅 Last Updated: 12/14/2025 15:21

📢 Recent Corporate Announcements

Yes Bank to Attend 360 ONE Capital TRINITY INDIA 2026 Investor Conference

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 06 Mar 2026, 01:13 PM

Yes Bank Limited has scheduled its participation in the 360 ONE Capital (B&K) 16th Annual Investor Conference, known as TRINITY INDIA 2026. The event will take place in Mumbai from May 27 to May 29, 2026. The bank's management is expected to engage in physical group and one-on-one meetings with various institutional investors and analysts. The bank has clarified that no unpublished price sensitive information will be shared during these interactions.

Participation in 360 ONE Capital (B&K) 16th Annual Investor Conference scheduled for May 27–29, 2026
Meetings will be conducted in physical format in Mumbai
Interaction format includes both group and one-on-one sessions with institutional investors
Bank confirms no Unpublished Price Sensitive Information (UPSI) will be disclosed
Official disclosure made under Regulation 30 of SEBI Listing Regulations

💡 This is a routine investor relations update and requires no immediate action. Investors may look for any post-event presentations or transcripts that might offer qualitative insights into the bank's long-term strategy.

Yes Bank Concludes Institutional Investor Meetings at Kotak Flagship Conference 2026

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 26 Feb 2026, 11:50 PM

Yes Bank Limited participated in the Kotak Flagship Conference - Chasing Growth 2026 on February 26, 2026. The bank engaged in a series of six scheduled sessions, including both one-on-one and group meetings with prominent global and domestic institutional investors. Key participants included GIC, BlackRock Asset Management, and Balyasny Asset Management. The bank explicitly stated that no unpublished price sensitive information (UPSI) was shared during these interactions.

Conducted 6 separate meeting sessions with institutional investors on February 26, 2026
Held 1-on-1 meetings with major entities including GIC, 360 ONE Asset, and Balyasny Asset Management
Engaged in group meetings with over 8 investment firms including BlackRock and Carnelian Asset Management
Meetings were part of the Kotak Flagship Conference - Chasing Growth 2026
Confirmed that no Unpublished Price Sensitive Information (UPSI) was disclosed during the sessions

💡 This is a routine regulatory disclosure showing active investor engagement; no immediate action is required. Investors should look for any future updates on business strategy that might emerge from these institutional interactions.

Yes Bank Clarifies on ₹2.5 Cr Unauthorized Forex Card Transactions

🔵 WATCH ⭐ 6/10

REGULATORY 📅 26 Feb 2026, 12:15 PM

Yes Bank has clarified a news report regarding unauthorized transactions on its Multi-Currency Prepaid Forex Cards issued with BookMyForex. Approximately USD 0.28 million (INR 2.5 crore) in fraudulent transactions were approved across 5,000 customers on February 24, 2026. The bank's fraud monitoring systems successfully blocked 688 additional attempts worth USD 0.1 million. The bank is now working with card networks to initiate chargebacks and has restricted e-commerce transactions from the specific Latin American region involved.

Unauthorized transactions totaling USD 0.28 million (approx. INR 2.5 crore) approved for 5,000 customers
Fraud monitoring systems successfully declined 688 attempts worth USD 0.1 million
Incident occurred on February 24, 2026, between 3:30 AM and 8:30 AM IST
Transactions targeted 15 merchants in a Latin American country that does not mandate 2FA
Bank has restricted e-commerce transactions from the specific country and is raising chargebacks

💡 While the financial impact of ₹2.5 crore is immaterial for a bank of this size, investors should monitor for any broader data security concerns. The bank's proactive fraud detection and chargeback efforts are positive signs of risk management.

Yes Bank reports $0.28M unauthorized forex card transactions; security measures implemented

🔵 WATCH ⭐ 6/10

OTHER 📅 26 Feb 2026, 08:54 AM

Yes Bank detected a security incident involving its Multi-Currency Prepaid Forex Cards issued with BookMyForex, where unauthorized transactions worth USD 0.28 million were approved. The breach targeted 5000 customers through 15 merchants in a Latin American country that does not require two-factor authentication. The bank's fraud monitoring systems successfully blocked an additional USD 0.1 million in attempted fraudulent transactions. Yes Bank is now working with card networks to recover funds through chargebacks and has restricted e-commerce transactions from the affected region.

Unauthorized transactions totaling approximately USD 0.28 million were approved for 5000 customers.
Fraud monitoring systems successfully declined 688 unauthorized attempts worth USD 0.1 million.
The incident occurred on February 24, 2026, between 3:30 AM and 8:30 AM IST.
Transactions were localized to 15 merchants in a specific Latin American country without 2FA mandates.
Bank has restricted e-commerce transactions from the impacted country and initiated chargeback processes.

💡 Investors should monitor for any potential regulatory action from the RBI regarding cybersecurity lapses, though the immediate financial impact is negligible. No immediate portfolio changes are recommended as the bank has proactively contained the situation.

Yes Bank Concludes Institutional Investor Meet with Global Funds

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 25 Feb 2026, 11:08 PM

Yes Bank participated in the Goldman Sachs 2026 Asia Financials Corporate Day on February 25, 2026. The bank engaged with nine major global institutional investors, including Allianz Global Investors, Citadel, and Millennium Capital. The meetings were conducted virtually in a group format between 9:00 AM and 10:00 AM IST. The bank confirmed that no unpublished price sensitive information was shared during these interactions.

Participated in Goldman Sachs 2026 Asia Financials Corporate Day on Feb 25, 2026
Engaged with 9 prominent institutional investors including Point72 and Moon Capital
Meetings were held virtually from 09:00 AM to 10:00 AM IST
Explicitly stated that no unpublished price sensitive information (UPSI) was disclosed

💡 This is a routine regulatory filing indicating active investor engagement. Investors should monitor for any subsequent research reports from these institutions but no immediate action is required based on this disclosure.

YES Bank Concludes Group Meeting with 16 Institutional Investors at Deutsche Bank Event

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 24 Feb 2026, 11:02 PM

YES Bank participated in the Deutsche Bank India Credit Connect - 2026 conference held on February 24, 2026. The bank engaged in a group meeting with 16 major institutional investors, including global names like BlackRock, UBS, and T Rowe Price. The physical meeting took place in Mumbai to discuss the bank's credit outlook and general operations. The bank officially confirmed that no unpublished price sensitive information was shared during these interactions.

Participated in the Deutsche Bank India Credit Connect - 2026 on February 24, 2026.
Held a group meeting with 16 prominent institutional investors including BlackRock and UBS.
The meeting was conducted physically in Mumbai between 01:45 PM and 02:45 PM.
Management confirmed that no Unpublished Price Sensitive Information (UPSI) was disclosed during the session.

💡 This is a routine regulatory disclosure showing active engagement with institutional investors. No immediate action is required, but investors should watch for any subsequent research notes from the participating institutions.

Yes Bank Assigned ESG Score of 80.5 for FY 2024-25 by SES ESG Research

🟢 POSITIVE ⭐ 4/10

OTHER 📅 24 Feb 2026, 07:05 PM

Yes Bank has been assigned an adjusted Environmental, Social, and Governance (ESG) score of 80.5 for the fiscal year 2024-25. The rating was provided by SES ESG Research Pvt. Ltd., a SEBI-registered ESG Rating Provider. This was an unsolicited rating based entirely on the bank's public disclosures rather than a formal engagement. A score of 80.5 reflects a strong performance in sustainability and governance metrics, which is increasingly relevant for institutional capital.

SES ESG Research assigned an adjusted ESG score of 80.5 for FY 2024-25.
The rating was independent and based on public disclosures without formal engagement by the bank.
SES ESG is a SEBI-registered ESG Rating Provider (ERP).
The disclosure was made in compliance with Regulation 30 of SEBI (LODR) Regulations, 2015.

💡 Investors should view this as a positive sign of the bank's transparency and governance standards. While it has no immediate impact on financials, it may improve the bank's standing with ESG-focused institutional funds.

Yes Bank Receives Improved ESG Score of 80.5 for FY 2024-25 from SES ESG Research

🟡 NEUTRAL ⭐ 4/10

OTHER 📅 24 Feb 2026, 05:58 PM

Yes Bank has been assigned an adjusted ESG score of 80.5 for FY 2024-25 by SES ESG Research, a marginal increase from 80.4 in the previous year. The bank showed significant progress in environmental metrics, with renewable energy consumption rising to 19.2% and GHG emission intensity dropping to 1.18 tCO2e per FTE. However, the report noted 10 instances of non-compliance resulting in penalties of ₹91.85 lakhs and over 2 lakh customer complaints. The bank continues to target Net Zero emissions by FY 2030 and has sanctioned ₹7,357 crores for renewable energy projects.

ESG score improved slightly to 80.5 for FY 2024-25 from 80.4 in FY 2023-24.
Renewable energy consumption increased to 19.2% from 11.81% year-on-year.
Sanctioned ₹7,357 crores in debt facilities for renewable energy projects totaling ~2,210 MW.
GHG emission intensity (Scope 1+2) decreased from 1.46 to 1.18 tCO2e per full-time employee.
Reported 10 non-compliance instances with penalties totaling ₹91.85 lakhs and 2,01,269 customer complaints.

💡 Investors should note the bank's steady progress in sustainability metrics which may attract ESG-focused institutional capital, though the high volume of customer complaints and regulatory penalties remain areas for monitoring.

YES Bank Investor Update: SMBC Becomes Largest Shareholder with 24.9% Stake

🟢 POSITIVE ⭐ 8/10

OTHER 📅 24 Feb 2026, 08:47 AM

YES Bank has entered its next growth phase with Sumitomo Mitsui Banking Corporation (SMBC) becoming the largest shareholder at 24.9% following a stake acquisition from SBI and other investors. As of Q3FY26, the bank maintains a loan book of INR 2.57 lakh crore and total deposits of INR 2.93 lakh crore, with a strong 59% retail deposit base. Asset quality remains stable with a Gross NPA of 1.5% and a Net NPA of 0.3%. The bank is well-capitalized with a CET-1 ratio of 13.9% and continues to lead in digital payments, processing one-third of India's digital transactions.

SMBC is now the largest shareholder with a 24.9% stake, while SBI remains a key investor with 10.8%.
Total deposits reached INR 2.93 lakh crore with a granular retail and branch banking share of 59%.
Asset quality is robust with GNPA at 1.5% and NNPA at 0.3% as of December 2025.
Capital Adequacy Ratio stands at 15.5% with a Common Equity Tier-I (CET-1) ratio of 13.9%.
The bank processes 1 in 3 digital transactions in India and maintains a network of 1,328 branches.

💡 Investors should look favorably upon the strategic entry of SMBC, which is expected to enhance governance and provide access to global corporate business. The bank's stable asset quality and improved capital position make it a strong candidate for potential credit rating upgrades.

Yes Bank Allots 33,500 Equity Shares Under ESOP and RSU Plans

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 19 Feb 2026, 10:47 PM

Yes Bank has approved the allotment of 33,500 equity shares of face value Rs. 2 each following the exercise of stock options. The bank realized a total of Rs. 1,30,900 from this exercise under the YBL ESOS 2020 Scheme and YBL RSU Plan 2024. Consequently, the bank's total paid-up share capital has increased to 31,379,452,677 equity shares. Given the bank's massive share base, this allotment results in negligible equity dilution.

Allotment of 33,500 equity shares of face value Rs. 2 each
Bank realized a total amount of Rs. 1,30,900 from the exercise of options
Paid-up share capital increased to 31,379,452,677 equity shares
Allotment approved by the Nomination & Remuneration Committee on February 19, 2026

💡 This is a routine administrative update regarding employee compensation; no action is required from investors as the impact on valuation is non-material.

Yes Bank Announces Special Window for Physical Share Transfer and Dematerialisation

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 11 Feb 2026, 05:39 PM

Yes Bank has issued a public notice regarding a special window for the transfer and dematerialisation of physical shares. The notice was published on February 11, 2026, in the Financial Express and Navshakti newspapers to inform shareholders of the procedure. This move is part of the bank's compliance with SEBI Listing Obligations and Disclosure Requirements. It primarily affects long-term retail investors who still hold physical share certificates.

Notice published on February 11, 2026, in Financial Express and Navshakti newspapers.
Provides a special window for shareholders to transfer and dematerialise physical shares.
Complies with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
Information is hosted on the bank's official website and stock exchange portals (BSE/NSE).

💡 Investors holding physical share certificates should use this window to convert their holdings into demat form for better liquidity and ease of trading. No action is required for those who already hold shares in electronic form.

YES Bank to Participate in Goldman Sachs 2026 Asia Financials Corporate Day on February 25

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 10 Feb 2026, 07:25 PM

YES Bank has announced its participation in the Goldman Sachs 2026 Asia Financials Corporate Day scheduled for February 25, 2026. The engagement will be conducted virtually and will feature both group and one-on-one meetings with institutional investors. The bank has explicitly stated that no unpublished price sensitive information (UPSI) will be shared during these sessions. This disclosure is part of the bank's routine compliance under SEBI Listing Regulations to ensure transparency regarding investor interactions.

Participation in the Goldman Sachs 2026 Asia Financials Corporate Day on February 25, 2026.
Meetings will be held in a virtual format involving Group and 1x1 interactions.
The bank confirmed that no Unpublished Price Sensitive Information (UPSI) will be disclosed.
Disclosure made under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

💡 Investors should monitor for any investor presentations or transcripts released after the event for insights into management's outlook, though no immediate action is required.

Yes Bank to Participate in Goldman Sachs 2026 Asia Financials Corporate Day on Feb 25

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 10 Feb 2026, 04:46 PM

Yes Bank Limited has announced its participation in the Goldman Sachs 2026 Asia Financials Corporate Day scheduled for February 25, 2026. The engagement will consist of virtual group and one-on-one meetings with institutional investors. The bank has explicitly stated that no unpublished price sensitive information (UPSI) will be shared during these sessions. This disclosure is a routine regulatory requirement under SEBI Listing Regulations to ensure transparency regarding management interactions with the investor community.

Participation in Goldman Sachs 2026 Asia Financials Corporate Day on February 25, 2026
Meetings to be conducted in virtual mode including both group and 1x1 formats
Compliance with Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
Confirmation that no unpublished price sensitive information (UPSI) will be disclosed
List of participants to be submitted to exchanges following the conclusion of the meet

💡 No immediate action is required as this is a routine investor relations event. Investors may look for any post-event presentations or transcripts for updates on the bank's growth strategy and outlook.

YES Bank Concludes Meetings with 20+ Institutional Investors at Nuvama Conference

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 09 Feb 2026, 11:41 PM

YES Bank participated in the Nuvama India Investor Conference on February 09, 2026, in Mumbai. The bank conducted five group meetings throughout the day, engaging with over 20 institutional investors and asset management firms. Key participants included SBI Fund Management, Fidelity Management & Research (Hong Kong), and ASK Asset Management. The bank confirmed that no unpublished price sensitive information was shared during these interactions.

Participated in the Nuvama India Investor Conference on February 09, 2026
Held 5 group meetings with institutional investors between 09:00 AM and 02:50 PM
Engaged with major firms including SBI Fund Management, Fidelity, and ASK Asset Management
Confirmed that no Unpublished Price Sensitive Information (UPSI) was disclosed

💡 This is a routine regulatory disclosure showing active institutional engagement. Investors should look for any research notes from the participating brokerages for potential updates on the bank's growth trajectory.

Yes Bank Receives INR 76 Crore Redemption from JC Flower ARC Security Receipts

🟢 POSITIVE ⭐ 6/10

ROUTINE 📅 09 Feb 2026, 07:56 PM

Yes Bank has received a redemption of INR 76 Crores from a single trust within its Security Receipts (SR) portfolio. This redemption is linked to the large Non-Performing Asset (NPA) portfolio sold to JC Flower ARC in December 2022. The bank disclosed the event as the net amount received exceeded the materiality threshold defined under SEBI Listing Regulations. This recovery is a positive step in the bank's ongoing efforts to monetize its legacy stressed asset book.

Received INR 76 Crores redemption from a single trust in the Security Receipts Portfolio.
The transaction is part of the recovery from the NPA portfolio sale to JC Flower ARC dated December 17, 2022.
The net amount (redemption proceeds less carrying value) exceeds the materiality threshold under SEBI regulations.
This represents a successful cash recovery from legacy stressed assets, improving the bank's liquidity.

💡 Investors should view this as a positive indicator of the bank's ability to recover value from its legacy NPA portfolio. Monitor for further periodic redemptions which will support the bank's bottom line and capital adequacy.

View All YESBANK Announcements on Live Market Tracking →

💰 Financial Performance

Revenue Growth by Segment

Advances grew 6.4% YoY to INR 250,212 Cr in Q2FY26. The book is dominated by Retail and Commercial segments which form 74% of gross advances, while Corporate Banking accounts for the remaining 26%. Retail disbursements grew 19.8% QoQ in Q2FY26.

Geographic Revenue Split

100% of revenue is derived from India, where the bank operates a network of 1,253 branches as of June 30, 2025.

Profitability Margins

Net Interest Margin (NIM) improved to 2.5% in Q2FY26 from 2.4% in Q2FY25. Return on Assets (RoA) stood at 0.6% (annualized) and Return on Equity (RoE) at 5.4% (annualized) for Q2FY26.

EBITDA Margin

Operating Profit grew 32.9% YoY to INR 1,296 Cr in Q2FY26, though it declined 4.5% QoQ. The Cost-to-Income (C/I) ratio improved significantly to 67.1% in Q2FY26 from 73.0% in Q2FY25.

Capital Expenditure

Total Capital Funds stood at INR 47,941 Cr as of September 30, 2025. The bank maintains a CET 1 Ratio of 13.9%, up from 13.2% YoY, supporting future growth without immediate capital dilution.

Credit Rating & Borrowing

CRISIL maintains a 'Stable' outlook. ICRA upgraded ratings citing steady increase in scale and declining stressed assets. Borrowings reduced 20.9% YoY to INR 61,955 Cr as of Q2FY26.

⚙️ Operational Drivers

Raw Materials

The primary 'raw material' for the bank is its deposit base, specifically CASA (Current Account Savings Account) which grew 12.5% YoY to INR 99,708 Cr, and Term Deposits.

Import Sources

100% of deposits are sourced domestically from the Indian market through its branch network and digital channels.

Key Suppliers

Key institutional 'suppliers' of capital and stability include State Bank of India (SBI) and Sumitomo Mitsui Banking Corporation (SMBC), which is acquiring a significant stake.

Capacity Expansion

Current capacity includes 1,253 branches as of June 2025. Expansion is focused on digital 'capacity' through rapid digitalization and merchant acquiring platforms.

Raw Material Costs

Cost of funds is managed through the CASA ratio, which improved to 33.7% in Q2FY26 from 32.0% in Q2FY25, reducing reliance on high-cost wholesale borrowings.

Manufacturing Efficiency

Credit-to-Deposit (C/D) ratio stood at 84.5% in Q2FY26, compared to 84.8% in Q2FY25, indicating stable utilization of the deposit base for lending.

Logistics & Distribution

Distribution is handled through 1,253 physical branches and a 'Rapid Digitalization' strategy including YES Tax Pay and mobile banking.

📈 Strategic Growth

Expected Growth Rate

6.40%

Growth Strategy

Growth will be driven by the acquisition of a stake by Sumitomo Mitsui Banking Corporation (SMBC), a shift toward granular Retail/SME loans (now 74% of book), and digital scaling through products like YES Tax Pay and merchant acquiring.

Products & Services

Retail loans, corporate banking, credit cards, merchant acquiring, transaction banking, and digital tax payment suites (YES Tax Pay).

Brand Portfolio

YES BANK, YES Securities, YES Tax Pay.

New Products/Services

YES Tax Pay (integrated tax collection suite) and expanded digital merchant acquiring services are expected to drive non-interest income, which grew 16.9% YoY to INR 1,644 Cr.

Market Expansion

Focus on rural India through employment initiatives targeting 100,000 individuals by 2026 and scaling the Commercial Banking segment which shows sustained traction.

Market Share & Ranking

Total assets of INR 4,29,035 Cr as of September 2025, positioning it as a significant new-age private sector bank in India.

Strategic Alliances

Strategic partnership and stake acquisition by Sumitomo Mitsui Banking Corporation (SMBC) from SBI and other banks announced in May 2025.

🌍 External Factors

Industry Trends

The industry is shifting toward granular, retail-led lending and digital-first banking. Yes Bank is positioned with a 74% granular book and a dedicated Chief Digital Officer.

Competitive Landscape

Competes with other private sector banks for CASA deposits and high-quality retail assets in a tightening liquidity environment.

Competitive Moat

Moat is built on a unique turnaround story, a strong digital ecosystem (YES Tax Pay), and the backing of major financial institutions (SBI/SMBC), which is sustainable due to high capital buffers (CET 1 13.9%).

Macro Economic Sensitivity

Highly sensitive to Indian GDP growth as the 'fastest growing major economy' and interest rate cycles which impact NIM and deposit costs.

Consumer Behavior

Increasing shift toward digital banking and e-governance payments, which the bank is capturing via SNA and GeM strategic projects.

Geopolitical Risks

Japanese investment via SMBC introduces international regulatory and geopolitical alignment risks, though it strengthens capital access.

⚖️ Regulatory & Governance

Industry Regulations

Operates under the Banking Regulation Act 1949 and RBI reconstruction schemes. Adheres to Basel III capital regulations with a 13.9% CET 1 ratio.

Environmental Compliance

Sanctioned INR 7,357 Cr for renewable energy projects in FY25. Achieved 39% reduction in emission intensity of electricity generation portfolio since FY22.

Taxation Policy Impact

Provision for taxation was INR 223 Cr in Q2FY26, an 18.3% decrease QoQ but a 78.3% increase YoY.

Legal Contingencies

The bank faced a significant historical write-down of Basel III Tier I bonds totaling INR 8,415 Cr as part of its 2020 restructuring, which remains a key credit profile factor.