Sign in to fuzzto save your conversations, follow your research and come back anytime.
Yes Bank
SectorFinancial Services
Yes Bank Ltd is an Indian commercial bank offering banking and financial services across four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The Treasury segment handles investments and financial markets activities. Corporate/Wholesale Banking provides lending and deposit services to corporate customers. Retail Banking offers similar services to individual customers. Other Banking Operations include para-banking activities like third-party product distribution and merchant banking. As of 2024, Yes Bank has expanded its network to 1,234 branches, 219 Business Correspondent Banking Outlets, and 1,290 ATMs across over 300 districts in India. The bank has also launched digital banking solutions such as IRIS and YES Pay Next to enhance mobile banking services.
In the news
YES Bank Faces ₹5,217 Cr Earnings Hit as SC Upholds AT-1 Bond Ruling
SC Restores YES Bank AT1 Bonds: Kotak MF, Nippon Pause Subscriptions
Yes Bank's AT-1 Verdict: Capital, Liquidity, and the Governance Reckoning
Yes Bank Q2 Results: SC Ruling Flips ₹1,080 Cr Profit Into ₹5,217 Cr Loss
YES Bank Q2: Loans surge 24% YoY to ₹3.1 lakh crore, shares jump 1.64%
YES Bank gets ₹363 cr tax refund, receives ₹258 cr from trust
Citi Maintains Sell Rating on Yes Bank, Sees Margin Pressure
Kotak Bank Benefits from RBI's ₹1.1 Lakh Crore FCNR-B Inflows
Yes Bank shares jump 4% as UPI MDR bonanza benefits Paytm, Pine Labs
Yes Bank Shares Jump 5% on New UPI MDR Rules, Revenue Impact
Fortis Healthcare Challenges Delhi HC Forensic Audit Order
Yes Bank Recovery Shows Promise Despite Gradual ROA Gains
Yes Bank ESG Rating Improves to 74 in FY 2025-26
YES Bank CIO Embraces Homegrown AI Models for Banking Efficiency
Federal Bank, RBL Bank postpone dollar bond plans amid yield pressure
Yes Bank Returns to Bond Market After 6-Year Hiatus
Yes Bank, Capital Stack expand MoU for institutional funding
Private Banks: Why Strong Profits Couldn't Stop the Rs 1.5 Lakh Crore Selloff
ICICI Bank vs HDFC Bank Q1FY26: Why the Divergence?
Yes Bank's Q1FY27: Core Strength Beats Expectations
The Quarter story
The two most recent quarterly results, compared side-by-side.
Yes Bank shows steady profitability recovery and stronger asset quality, supported by stable low-cost funding and disciplined lending.
Commercial Banking GNPA Ratio improved from 1.3% in Q1 FY26 to 0.6% in Q4 FY26, reflecting tighter credit monitoring.
Digital Banking Active Customers share dropped from 50% in Q1 FY26 to 45% in Q3 FY26, signaling engagement headwinds.
Consolidated Cost to Income declined from 67.1% in Q1 FY26 to 62.8% in Q1 FY27, showing better operational efficiency.
Consolidated Yield on Advances eased from 9.9% in Q1 FY26 to 9.2% in Q4 FY26, reflecting competitive pricing pressure.
Consolidated Disbursements grew from ₹18,812 Cr in Q1 FY26 to ₹33,224 Cr in Q4 FY26, accelerating loan book expansion.
Retail Gross Slippages fell from ₹1,280 Cr in Q1 FY26 to ₹764 Cr in Q4 FY26, indicating stronger risk controls.
Consolidated RoE recovered from 5.4% in Q2 FY26 to 8.9% in Q1 FY27, highlighting sustained profitability gains.
Company insights, generated from the most recent coverage.
YES Bank's reported Q2 FY27 profit of ₹1,084 crore (+63% YoY) is not the real earnings picture. Restated for the Supreme Court AT-1 ruling, the quarter becomes a net loss of ₹5,217 crore. Headline results and economic results have diverged completely.
The challenge turned on a narrow procedural point, not economics: the reconstruction scheme never explicitly authorised a write-off, and the bonds were issued under the RBI Master Circular, giving them a 'statutory flavour' that made terms enforceable. Yes Bank lost on authority, not on whether AT-1 should absorb losses.
Reinstatement repairs goodwill with the retail base that was sold these bonds — SEBI found 277 customers prematurely broke ~₹80 crore of fixed deposits to buy them. But the mis-selling case is not closed: the Securities Appellate Tribunal has stayed SEBI's April 2021 order against the bank and others, and that appeal is still pending.