Cash flow Yes Bank Limited

Equities

YESBANK

INE528G01035

Banks

Market Closed - NSE India S.E. Other stock markets 12:05:04 10/04/2026 BST			5-day change	1st Jan Change
19.08 ^INR	+0.79%		+6.77%	-11.67%

04-06	Yes Bank Appoints Former State Bank of India Executive as CEO	MT
04-06	Yes Bank says Vinay Muralidhar Tonse takes charge as MD and CEO	RE

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Published financial data: YES BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	200B	190B	227B	276B	309B
Interest Income, Total	200B	190B	227B	276B	309B
Interest On Deposits	126B	125B	148B	195B	220B
Interest Expense, Total	126B	125B	148B	195B	220B
Net Interest Income	74.28B	64.9B	79.02B	80.79B	89.2B
Gain (Loss) on Sale of Assets	-34.6M	-126M	69.55M	-20.62M	-153M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	11.08B	2.9B	309M	3.31B	4.44B
Total Other Non Interest Income	23.32B	31.27B	40.87B	50.26B	57.28B
Non Interest Income, Total	34.36B	34.05B	41.25B	53.55B	61.57B
Revenues Before Provison For Loan Losses	109B	98.95B	120B	134B	151B
Provision For Loan Losses	97.09B	14.8B	22.2B	18.87B	10.86B
Total Revenues	11.56B	84.15B	98.07B	115B	140B
Salaries And Other Employee Benefits	25.17B	29.5B	34.53B	38.56B	40.72B
Stock-Based Compensation (IS)	-	90.45M	218M	312M	694M
Occupancy Expense	8.39B	8.41B	9.3B	11.15B	11.51B
Selling General & Admin Expenses, Total	1.42B	1.55B	1.86B	2.15B	2.14B
Total Other Non Interest Expense	24.19B	30.27B	42.35B	47.92B	52.61B
Non Interest Expense, Total	59.17B	69.81B	88.26B	100B	108B
EBT, Excl. Unusual Items	-47.62B	14.34B	9.81B	15.38B	32.24B
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	-47.62B	14.34B	9.81B	15.38B	32.24B
Income Tax Expense	-12.73B	3.7B	2.46B	2.52B	7.77B
Earnings From Continuing Operations	-34.89B	10.64B	7.36B	12.85B	24.47B
Net Income to Company	-34.89B	10.64B	7.36B	12.85B	24.47B
Minority Interest	-	-	-	-	-108M
Net Income - (IS)	-34.89B	10.64B	7.36B	12.85B	24.36B
Net Income to Common Incl Extra Items	-34.89B	10.64B	7.36B	12.85B	24.36B
Net Income to Common Excl. Extra Items	-34.89B	10.64B	7.36B	12.85B	24.36B
Per Share Items
Net EPS - Basic	-1.65	0.42	0.28	0.45	0.78
Basic EPS - Continuing Operations	-1.65	0.42	0.28	0.45	0.78
Basic Weighted Average Shares Outstanding	21.18B	25.05B	26.16B	28.76B	31.15B
Net EPS - Diluted	-1.65	0.42	0.28	0.44	0.78
Diluted EPS - Continuing Operations	-1.65	0.42	0.28	0.44	0.78
Diluted Weighted Average Shares Outstanding	21.19B	25.06B	26.25B	29.43B	31.3B
Normalized Basic EPS	-1.4	0.36	0.23	0.33	0.64
Normalized Diluted EPS	-1.4	0.36	0.23	0.33	0.64
Dividend Per Share	-	-	-	-	-
Payout Ratio	-	-	-	-	-
Supplemental Items
Effective Tax Rate - (Ratio)	26.73	25.78	25.02	16.42	24.11
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	-	-	24.56M	-	-
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-12.73B	3.7B	2.43B	3.78B	8.1B
Normalized Net Income	-29.76B	8.96B	6.13B	9.61B	20.04B
Non-Cash Pension Expense	-152M	-113M	-240M	46.6M	65.82M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	90.45M	218M	312M	694M
Total Stock-Based Compensation	-	90.45M	218M	312M	694M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	59.07B	40.89B	72.95B	21.41B	144B
Investment Securities, Total	605B	1,034B	1,077B	1,341B	1,217B
Trading Asset Securities, Total	-	-	-	47.75B	76.63B
Total investments	605B	1,034B	1,077B	1,389B	1,294B
Gross Loans	1,857B	2,008B	2,060B	2,305B	2,493B
Allowance For Loan Losses	-189B	-199B	-27.69B	-26.53B	-32.04B
Net Loans	1,668B	1,810B	2,032B	2,278B	2,461B
Gross Property Plant And Equipment	38.9B	41.02B	47.71B	56.82B	62.72B
Accumulated Depreciation	-17.32B	-19.61B	-23.2B	-28.16B	-31.93B
Net Property Plant And Equipment	21.58B	21.41B	24.51B	28.66B	30.78B
Accrued Interest Receivable	15.06B	17.77B	22.45B	28.06B	28.42B
Restricted Cash	60.22B	82.74B	121B	172B	142B
Other Current Assets, Total	5.12B	6.08B	6.93B	12B	16.49B
Deferred Tax Assets Long-Term (Collected)	95.54B	91.84B	89.41B	85.63B	76.57B
Other Real Estate Owned And Foreclosed	353M	353M	353M	353M	53M
Other Long-Term Assets, Total	206B	81.02B	106B	49.14B	47.92B
Total Assets	2,736B	3,186B	3,552B	4,064B	4,241B
Liabilities
Interest Bearing Deposits	1,439B	1,707B	1,838B	2,249B	2,411B
Non-Interest Bearing Deposits	190B	264B	336B	413B	433B
Total Deposits	1,628B	1,971B	2,174B	2,662B	2,844B
Short-Term Borrowings	-	-	-	53.9B	81.77B
Current Portion of Long-Term Debt	139B	291B	-	-	-
Long-Term Debt	501B	432B	778B	805B	720B
Current Income Taxes Payable	-	-	-	-	-
Accrued Interest Payable	15.29B	17.83B	24.31B	26.94B	23.02B
Other Current Liabilities - (Bank / Utility Template)	5.69B	7.32B	7.51B	4.99B	3.59B
Other Non Current Liabilities	116B	130B	162B	88.86B	90.51B
Total Liabilities	2,405B	2,849B	3,145B	3,642B	3,763B
Common Stock, Total	50.11B	50.11B	57.51B	57.54B	62.71B
Additional Paid In Capital	323B	323B	366B	367B	400B
Retained Earnings	-59.29B	-53.51B	-42.71B	-28.87B	-3.54B
Comprehensive Income and Other	17.62B	17.44B	25.95B	26.27B	19.34B
Total Common Equity	331B	337B	407B	422B	478B
Minority Interest	-	-	-	-	32.54M
Total Equity	331B	337B	407B	422B	478B
Total Liabilities And Equity	2,736B	3,186B	3,552B	4,064B	4,241B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	25.05B	25.05B	28.75B	28.77B	31.35B
ECS Total Common Shares Outstanding	25.05B	25.05B	28.75B	28.77B	31.35B
Book Value / Share	13.23	13.45	14.16	14.65	15.26
Tangible Book Value	331B	337B	407B	422B	478B
Tangible Book Value Per Share	13.23	13.45	14.16	14.65	15.26
Total Debt	639B	723B	778B	859B	801B
Deposits at Interest - Cash	178B	349B	51.49B	28.6B	93.03B
Debt Equivalent of Unfunded Proj. Benefit Obligation	219M	390M	158M	460M	665M
Net Debt	406B	166B	395B	349B	211B
Full Time Employees	22.27K	24.35K	27.52K	28K	28.69K
Number Of Offices	-	1.12K	1.19K	1.23K	1.26K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	-34.89B	10.64B	7.36B	12.85B	24.36B
Depreciation, Depletion & Amortization	3.6B	4.03B	4.33B	5.46B	4.93B
Total Depreciation, Depletion & Amortization	3.6B	4.03B	4.33B	5.46B	4.93B
(Gain) Loss On Sale of Asset - (CF)	34.6M	126M	-46.66M	20.62M	153M
(Gain) Loss on Sale of Investments - (CF)	17.92B	11B	27.99B	4.46B	-6.79B
Provision for Credit Losses	78.05B	20.91B	-16.76B	26.63B	31.99B
Stock-Based Compensation (CF)	-	90.45M	218M	312M	694M
Change in Other Net Operating Assets (Collected)	-121B	-156B	-486B	-441B	-182B
Other Operating Activities	-17.84B	2.71B	1.56B	-304M	8.54B
Cash from Operations	-74.11B	-106B	-461B	-392B	-118B
Capital Expenditure	-2.7B	-4.1B	-7.92B	-9.81B	-7.42B
Sale of Property, Plant, and Equipment	109M	117M	524M	188M	204M
Investment in Marketable and Equity Securities, Total	59.23B	-141B	-122B	-115B	92.49B
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	56.64B	-145B	-129B	-124B	85.27B
Long-Term Debt Issued, Total	-	98.04B	71.78B	30.34B	-
Total Debt Issued	-	98.04B	71.78B	30.34B	-
Long-Term Debt Repaid, Total	-498B	-14.13B	-17.64B	-2.8B	-85.36B
Total Debt Repaid	-498B	-14.13B	-17.64B	-2.8B	-85.36B
Issuance of Common Stock	149B	635K	50.88B	172M	28.82B
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	575B	342B	203B	488B	182B
Other Financing Activities, Total	-	-	9.48B	-	32.54M
Cash from Financing	226B	426B	318B	516B	125B
Foreign Exchange Rate Adjustments	488M	-546M	-1.22B	-220M	-136M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	209B	174B	-274B	-376M	92.49B
Supplemental Items
Cash Interest Paid	-	-	2.23M	370K	10.27M
Cash Income Tax Paid (Refund)	8.01B	986M	673M	3.77B	576M
Net Debt Issued / Repaid	-498B	83.91B	54.14B	27.54B	-85.36B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	-1.31	0.36	0.22	0.34	0.59
Return On Equity %	-12.73	3.18	1.98	3.1	5.44
Return on Common Equity	-12.73	3.18	1.98	3.1	5.41
Shareholders Value Added	-67.79B	-29.46B	-37.29B	-36.87B	-29.63B
Margin Analysis
SG&A Margin	314.47	49.27	49.46	47.91	41.84
Net Interest Income / Total Revenues %	642.85	77.13	80.58	69.96	63.76
EBT Excl. Non-Recurring Items Margin %	-412.09	17.04	10.01	13.32	23.04
Income From Continuing Operations Margin %	-301.93	12.64	7.5	11.13	17.49
Net Income Margin %	-301.93	12.64	7.5	11.13	17.41
Net Avail. For Common Margin %	-301.93	12.64	7.5	11.13	17.41
Normalized Net Income Margin	-257.55	10.65	6.25	8.32	14.32
Asset quality
Nonperforming Loans / Total Loans %	15.41	13.93	2.13	1.73	1.58
Nonperforming Loans / Total Assets %	10.46	8.78	1.24	0.98	0.93
Nonperforming Assets / Total Assets %	10.46	8.78	1.24	0.98	0.93
NPAs / Loans and OREO	15.4	13.93	2.13	1.73	1.58
NPAs / Equity	86.33	83.02	10.79	9.45	8.23
Allowance for Credit Losses / Net Charge-offs %	-	30.61K	81.57	96.77	114.34
Allowance for Credit Losses / Nonperforming Loans %	66.01	71.01	63.02	66.62	81.4
Allowance for Credit Losses / Total Loans %	10.17	9.89	1.34	1.15	1.28
Provision for Loan Losses / Net Charge-offs %	-	2.28K	65.39	68.8	38.74
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.32	11.29	11.04	10.88	10.84
Total Average Equity / Total Average Assets %	10.32	11.29	11.04	10.88	10.84
Total Equity + Allowance for Loan Losses / Total Loans %	28.02	26.67	21.11	19.44	20.47
Gross Loans / Total Deposits %	114.03	101.91	94.77	86.56	87.66
Net Loans / Total Deposits %	102.43	91.83	93.49	85.56	86.53
Tier 1 Capital Ratio %	11.3	11.6	13.3	12.2	13.5
Total Capital Ratio %	17.5	17.4	17.9	15.4	15.6
Core Tier 1 Capital Ratio	11.2	11.6	13.3	12.2	13.5
Tier 2 Capital Ratio	6.2	5.8	4.7	3.2	2.1
Interbank Ratio	2.99	8.14	7.31	9.02	16.77
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.62	1.11	1.07	1.08	1.15
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	9.34	-12.63	21.76	2.23	10.42
Non Interest Income, 1 Yr. Growth %	-2.96	9.58	21.14	37.91	14.97
Provision For Loan Losses, 1 Yr. Growth %	-70.33	-84.22	49.99	-15.03	-42.46
Total Revenues, 1 Yr. Growth %	-105.16	628.22	16.54	20.72	21.17
Earnings From Cont. Operations, 1 Yr. Growth %	-78.77	-130.5	-30.85	74.66	90.37
Net Income, 1 Yr. Growth %	-78.77	-130.5	-30.85	74.66	89.53
Normalized Net Income, 1 Yr. Growth %	-83.72	-130.11	-31.55	56.69	108.54
Diluted EPS Before Extra, 1 Yr. Growth %	-97.06	-125.45	-33.33	57.14	77.27
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Gross Loans, 1 Yr. Growth %	-5.11	8.15	2.58	11.87	8.19
Allowance For Loan Losses, 1 Yr. Growth %	-22.17	5.19	-86.06	-4.19	20.75
Net Loans, 1 Yr. Growth %	-2.7	8.49	12.31	12.09	8.04
Non Performing Loans, 1 Yr. Growth %	-12.98	-2.21	-84.29	-9.38	-1.18
Non Performing Assets, 1 Yr. Growth %	-12.98	-2.21	-84.29	-9.38	-1.18
Total Assets, 1 Yr. Growth %	6.11	16.44	11.5	14.4	4.37
Total Deposits, 1 Yr Growth %	54.63	21.01	10.31	22.47	6.83
Tangible Book Value, 1 Yr. Growth %	52.75	1.69	20.83	3.53	13.47
Common Equity, 1 Yr. Growth %	52.75	1.69	20.83	3.53	13.47
Total Equity, 1 Yr. Growth %	52.75	1.69	20.83	3.53	13.48
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-12.99	-2.26	3.14	11.57	6.25
Non Interest Income, 2 Yr. CAGR %	-14.27	-1.94	15.22	25.41	25.92
Provision For Loan Losses, 2 Yr. CAGR %	29.63	-78.73	-51.35	12.89	-30.07
Total Revenues, 2 Yr. CAGR %	-63.58	-38.69	191.32	17.14	20.94
Earnings From Cont. Operations, 2 Yr. CAGR %	42.87	-74.55	-54.08	9.9	82.35
Net Income, 2 Yr. CAGR %	42.87	-74.55	-54.08	9.9	81.94
Normalized Net Income, 2 Yr. CAGR %	42.38	-77.86	-54.6	3.56	80.77
Diluted EPS Before Extra, 2 Yr. CAGR %	-52.56	-91.35	-58.81	2.35	66.9
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Gross Loans, 2 Yr. CAGR %	-12.92	1.3	5.33	7.12	10.01
Allowance For Loan Losses, 2 Yr. CAGR %	132.28	-9.52	-61.71	-63.45	7.56
Net Loans, 2 Yr. CAGR %	-16.87	2.74	10.38	12.2	10.05
Non Performing Loans, 2 Yr. CAGR %	90.51	-7.76	-60.81	-62.27	-5.37
Non Performing Assets, 2 Yr. CAGR %	90.51	-7.76	-60.81	-62.27	-5.37
Total Assets, 2 Yr. CAGR %	-15.24	11.16	13.94	12.94	9.27
Total Deposits, 2 Yr CAGR %	-15.41	36.79	15.54	16.23	14.38
Tangible Book Value, 2 Yr. CAGR %	11.02	24.63	10.85	11.85	8.38
Common Equity, 2 Yr. CAGR %	11.02	24.63	10.85	11.85	8.38
Total Equity, 2 Yr. CAGR %	11.02	24.63	10.85	11.85	8.39
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.36	-12.87	5.17	2.84	11.18
Non Interest Income, 3 Yr. CAGR %	-13.41	-10.03	5.22	19.9	21.83
Provision For Loan Losses, 3 Yr. CAGR %	84.17	-36.49	-59.21	-41.41	-9.82
Total Revenues, 3 Yr. CAGR %	-53.48	-1.14	-24.05	115.39	18.47
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.24	-14.61	-64.49	-28.32	31.99
Net Income, 3 Yr. CAGR %	-6.24	-14.61	-64.49	-28.32	31.79
Normalized Net Income, 3 Yr. CAGR %	-8.44	-15.18	-67.75	-31.39	30.78
Diluted EPS Before Extra, 3 Yr. CAGR %	-54.99	-61.45	-82.91	-35.63	22.92
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Gross Loans, 3 Yr. CAGR %	-3.22	-6.4	1.73	7.46	7.48
Allowance For Loan Losses, 3 Yr. CAGR %	142.2	78.37	-51.49	-48.01	-45.57
Net Loans, 3 Yr. CAGR %	-6.42	-9.16	5.84	10.95	10.8
Non Performing Loans, 3 Yr. CAGR %	121.66	52.54	-48.87	-48.17	-47.99
Non Performing Assets, 3 Yr. CAGR %	121.66	52.54	-48.87	-48.17	-47.99
Total Assets, 3 Yr. CAGR %	-4.33	-5.78	11.27	14.1	10.01
Total Deposits, 3 Yr CAGR %	-6.73	-4.68	27.33	17.8	13.01
Tangible Book Value, 3 Yr. CAGR %	8.77	7.82	23.35	8.35	12.38
Common Equity, 3 Yr. CAGR %	8.77	7.82	23.35	8.35	12.38
Total Equity, 3 Yr. CAGR %	8.77	7.82	23.35	8.35	12.39
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.21	2.28	0.42	-3.81	5.6
Non Interest Income, 5 Yr. CAGR %	4.71	-4.19	-4.87	2.75	11.7
Provision For Loan Losses, 5 Yr. CAGR %	78.46	13.26	7.39	-20.06	-49.4
Total Revenues, 5 Yr. CAGR %	-29.77	-1.82	-3.1	5.8	-8.97
Earnings From Cont. Operations, 5 Yr. CAGR %	6.64	-20.45	-29.53	-5.54	-31.68
Net Income, 5 Yr. CAGR %	6.64	-20.45	-29.53	-5.54	-31.74
Normalized Net Income, 5 Yr. CAGR %	4.86	-22.27	-30.85	-8.13	-35.73
Diluted EPS Before Extra, 5 Yr. CAGR %	-32.55	-51.34	-56.55	-43.03	-57.48
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-
Gross Loans, 5 Yr. CAGR %	13.48	8.56	0.11	-1.21	4.96
Allowance For Loan Losses, 5 Yr. CAGR %	109.81	83.83	15.82	-5.39	-33.3
Net Loans, 5 Yr. CAGR %	11.18	6.47	-0.03	-1.15	7.5
Non Performing Loans, 5 Yr. CAGR %	107.21	69.18	10.84	-12.76	-34.59
Non Performing Assets, 5 Yr. CAGR %	107.21	69.18	10.84	-12.76	-34.59
Total Assets, 5 Yr. CAGR %	10.61	8.18	2.6	1.3	10.47
Total Deposits, 5 Yr CAGR %	7.83	6.64	1.61	3.19	21.98
Tangible Book Value, 5 Yr. CAGR %	19.21	8.86	9.6	9.41	17.13
Common Equity, 5 Yr. CAGR %	19.21	8.86	9.6	9.41	17.13
Total Equity, 5 Yr. CAGR %	19.21	8.86	9.6	9.41	17.13