INTEGRATED FILING — BANKING
General information about company
| Scrip code |
532648 |
| NSE Symbol |
YESBANK |
| MSEI Symbol |
NOTLISTED |
| ISIN |
INE528G01035 |
| Name of bank |
YES BANK LIMITED |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
18-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
07-10-2025 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Second quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
18-10-2025
10:00:00 |
| End date and time of board meeting |
18-10-2025 12:30:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
Financial Results - Banking
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-07-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
5,63,292.00 |
11,39,819.00 |
|
Income on investments |
1,28,452.00 |
2,64,800.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
11,236.00 |
22,582.00 |
|
Others |
35,895.00 |
72,136.00 |
|
Total interest earned |
7,38,875.00 |
14,99,337.00 |
| 2 |
Other income |
1,72,438.00 |
3,54,893.00 |
| 3 |
Total income |
9,11,313.00 |
18,54,230.00 |
|
Expenses
|
| 4 |
Interest expenses |
5,09,263.00 |
10,32,755.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,04,578.00 |
2,10,229.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating expenditures |
1,66,473.00 |
3,43,377.00 |
|
Total other operating Expenses |
1,66,473.00 |
3,43,377.00 |
|
Total Operating Expenses |
2,71,051.00 |
5,53,606.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 7,80,314.00 |
15,86,361.00 |
| 7 |
Operating profit before provision and contingencies |
1,30,999.00 |
2,67,869.00 |
| 8 |
Provisions other than tax and contingencies |
41,894.00 |
70,295.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 89,105.00 |
1,97,574.00 |
| 11 |
Provision for Tax |
22,661.00 |
50,260.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
66,444.00 |
1,47,314.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
66,444.00 |
1,47,314.00 |
| 15 |
Share of profit (loss) of associates
| 0.00 |
0.00 |
| 16
| Profit (loss) of minority interest
| 12.00 |
17.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 66,432.00 |
1,47,297.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 6,27,446.00 |
6,27,446.00 |
|
Face value of equity share capital
| 2 |
2 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
|
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
0 |
0 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
0.1300 |
0.1300 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 0.21 |
0.47 |
|
Diluted earnings per share before extraordinary items
| 0.21 |
0.47 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 0.21 |
0.47 |
|
Diluted earnings per share after extraordinary items
| 0.21 |
0.47 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 4,05,531.00 |
4,05,531.00 |
|
Amount of net non-performing assets
| 77,084.00 |
77,084.00 |
|
% of gross NPAs |
1.600 |
1.600 |
|
% of net NPAs
| 0.300 |
0.300 |
|
Return on assets
| 0.600 |
0.500 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
6,27,446.00 |
|
Reserves and surplus |
42,99,749.00 |
|
Deposits |
2,96,27,066.00 |
|
Borrowings |
62,65,102.00 |
|
| Other liabilities and provisions |
21,96,704.00 |
|
Total Capital Liabilities |
4,30,16,067.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
14,75,416.00 |
|
| Balances with Banks and money at call and short notice
| 18,04,695.00 |
|
Investments |
82,82,144.00 |
|
Advances |
2,50,20,711.00 |
|
Fixed Assets |
31694800000 |
|
Other Assets |
61,16,153.00 |
|
Total Assets |
4,30,16,067.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| Date of start of reporting period |
01-07-2025 |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury |
1,77,649.00 |
4,16,472.00 |
| 2 |
Corporate Banking |
3,03,559.00 |
6,04,638.00 |
| 3 |
Digital banking |
13.00 |
21.00 |
| 4 |
Other Retail Banking |
3,77,901.00 |
7,62,161.00 |
| 5 |
Other Banking Operations |
34,465.00 |
59,046.00 |
| 6 |
Unallocated |
491.00 |
188.00 |
|
| Total Segment Revenue
| 8,94,078.00 |
18,42,526.00 |
|
Less: Inter segment revenue |
(17,235.00) |
(11,704.00) |
|
Income from operations |
9,11,313.00 |
18,54,230.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury |
37,978.00 |
1,40,656.00 |
| 2 |
Corporate Banking |
80,175.00 |
1,58,706.00 |
| 3 |
Digital banking |
(36.00) |
(79.00) |
| 4 |
Other Retail Banking |
(35,777.00) |
(1,02,538.00) |
| 5 |
Other Banking Operations |
19,486.00 |
31,242.00 |
| 6 |
Unallocated |
(12,721.00) |
(30,413.00) |
|
Total Profit before tax |
89,105.00 |
1,97,574.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
89,105.00 |
1,97,574.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury |
1,61,04,737.00 |
1,61,04,737.00 |
| 2 |
Corporate Banking |
1,28,20,428.00 |
1,28,20,428.00 |
| 3 |
Digital banking |
164.00 |
164.00 |
| 4 |
Other Retail Banking |
1,29,91,363.00 |
1,29,91,363.00 |
| 5 |
Other Banking Operations |
1,19,926.00 |
1,19,926.00 |
| 6 |
Unallocated |
9,79,449.00 |
9,79,449.00 |
|
Total Segment Assets |
4,30,16,067.00 |
4,30,16,067.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
4,30,16,067.00 |
4,30,16,067.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury |
74,31,475.00 |
74,31,475.00 |
| 2 |
Corporate Banking |
1,26,53,220.00 |
1,26,53,220.00 |
| 3 |
Digital banking |
566.00 |
566.00 |
| 4 |
Other Retail Banking |
1,78,50,766.00 |
1,78,50,766.00 |
| 5 |
Other Banking Operations |
43,272.00 |
43,272.00 |
| 6 |
Unallocated |
1,09,573.00 |
1,09,573.00 |
| |
Total Segment Liabilities |
3,80,88,872.00 |
3,80,88,872.00 |
| |
Un-allocable Liabilities |
49,27,195.00 |
49,27,195.00 |
|
Net Segment Liabilities |
4,30,16,067.00 |
4,30,16,067.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
1,97,574.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
17,713.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
0.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
0.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
2,574.00 |
|
Other adjustments to reconcile profit (loss) |
0.00 |
|
Other adjustments for non-cash items |
1,30,132.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
1,50,419.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
0.00 |
|
Adjustments for decrease (increase) in other current assets |
(5,05,588.00) |
|
Adjustments for increase (decrease) in trade payables |
0.00 |
|
Adjustments for increase (decrease) in other current liabilities |
13,51,216.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
8,45,628.00
|
|
Total adjustments for reconcile profit (loss) |
9,96,047.00 |
|
Net cash flows from (used in) operations |
11,93,621.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
(26,271.00) |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
12,19,892.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
12,19,892.00 |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Proceeds from sales of tangible assets |
2,605.00 |
|
Purchase of tangible assets |
39,359.00 |
|
Proceeds from sales of intangible assets |
0.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
1,68,774.00 |
|
Dividends received |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
1,32,020.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
1,32,020.00 |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
2,637.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
9,32,042.00 |
|
Dividends paid |
0.00 |
|
Interest paid |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(9,29,405.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(9,29,405.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
4,22,507.00
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
878.00 |
|
Net increase (decrease) in cash and cash equivalents |
4,23,385.00
|
|
Cash and cash equivalents cash flow statement at beginning of period |
28,56,726.00 |
|
Cash and cash equivalents cash flow statement at end of period |
32,80,111.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Unaudited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
C N K & ASSOCIATES LLP |
Yes |
31-07-2027 |
| 2 |
G M KAPADIA & CO. |
Yes |
30-04-2027 |