Cash flow Yes Bank Limited

Equities

YESBANK

INE528G01035

Banks

Market Closed - NSE India S.E. Other stock markets 05:26:18 13/01/2026 pm IST			5-day change	1st Jan Change
22.79 ^INR	-0.74%		-0.18%	+5.51%

09/01	Bmw Industries Limited Successfully Tieds Up INR 5,000 million in Debt from A Consortium Led by SBI, HDFC Bank and Yes Bank to Fund Its Greenfield Downstream Steel Complex At Bokaro, Jharkhand	CI
06/01	Yes Bank gets approval to transfer Demat undertaking under retail division to Yes Securities	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	20TCr	19TCr	23TCr	28TCr	31TCr
Interest Income, Total	20TCr	19TCr	23TCr	28TCr	31TCr
Interest On Deposits	13TCr	13TCr	15TCr	20TCr	22TCr
Interest Expense, Total	13TCr	13TCr	15TCr	20TCr	22TCr
Net Interest Income	7.43TCr	6.49TCr	7.9TCr	8.08TCr	8.92TCr
Gain (Loss) on Sale of Assets	-3.46Cr	-13Cr	6.96Cr	-2.06Cr	-15Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.11TCr	290.19Cr	31Cr	331.42Cr	443.65Cr
Total Other Non Interest Income	2.33TCr	3.13TCr	4.09TCr	5.03TCr	5.73TCr
Non Interest Income, Total	3.44TCr	3.4TCr	4.12TCr	5.36TCr	6.16TCr
Revenues Before Provison For Loan Losses	11TCr	9.9TCr	12TCr	13TCr	15TCr
Provision For Loan Losses	9.71TCr	1.48TCr	2.22TCr	1.89TCr	1.09TCr
Total Revenues	1.16TCr	8.41TCr	9.81TCr	12TCr	14TCr
Salaries And Other Employee Benefits	2.52TCr	2.95TCr	3.45TCr	3.86TCr	4.07TCr
Stock-Based Compensation (IS)	-	9.04Cr	22Cr	31Cr	69Cr
Occupancy Expense	839Cr	841.18Cr	930.3Cr	1.12TCr	1.15TCr
Selling General & Admin Expenses, Total	141.68Cr	154.57Cr	185.55Cr	215.18Cr	213.58Cr
Total Other Non Interest Expense	2.42TCr	3.03TCr	4.23TCr	4.79TCr	5.26TCr
Non Interest Expense, Total	5.92TCr	6.98TCr	8.83TCr	10TCr	11TCr
EBT, Excl. Unusual Items	-4.76TCr	1.43TCr	981.33Cr	1.54TCr	3.22TCr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	-4.76TCr	1.43TCr	981.33Cr	1.54TCr	3.22TCr
Income Tax Expense	-1.27TCr	369.64Cr	245.51Cr	252.49Cr	777.34Cr
Earnings From Continuing Operations	-3.49TCr	1.06TCr	735.82Cr	1.29TCr	2.45TCr
Net Income to Company	-3.49TCr	1.06TCr	735.82Cr	1.29TCr	2.45TCr
Minority Interest	-	-	-	-	-11Cr
Net Income - (IS)	-3.49TCr	1.06TCr	735.82Cr	1.29TCr	2.44TCr
Net Income to Common Incl Extra Items	-3.49TCr	1.06TCr	735.82Cr	1.29TCr	2.44TCr
Net Income to Common Excl. Extra Items	-3.49TCr	1.06TCr	735.82Cr	1.29TCr	2.44TCr
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	2.12TCr	2.51TCr	2.62TCr	2.88TCr	3.12TCr
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	2.12TCr	2.51TCr	2.62TCr	2.94TCr	3.13TCr
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	-	-	2.46Cr	-	-
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-1.27TCr	369.64Cr	243.05Cr	378.06Cr	809.77Cr
Normalized Net Income	-2.98TCr	896.06Cr	613.33Cr	961.06Cr	2TCr
Non-Cash Pension Expense	-15Cr	-11Cr	-24Cr	4.66Cr	6.58Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	9.04Cr	22Cr	31Cr	69Cr
Total Stock-Based Compensation	-	9.04Cr	22Cr	31Cr	69Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	5.91TCr	4.09TCr	7.29TCr	2.14TCr	14TCr
Investment Securities, Total	61TCr	1,03400Cr	1,07700Cr	1,34100Cr	1,21700Cr
Trading Asset Securities, Total	-	-	-	4.78TCr	7.66TCr
Total investments	61TCr	1,03400Cr	1,07700Cr	1,38900Cr	1,29400Cr
Gross Loans	1,85700Cr	2,00800Cr	2,06000Cr	2,30500Cr	2,49300Cr
Allowance For Loan Losses	-19TCr	-20TCr	-2.77TCr	-2.65TCr	-3.2TCr
Net Loans	1,66800Cr	1,81000Cr	2,03200Cr	2,27800Cr	2,46100Cr
Gross Property Plant And Equipment	3.89TCr	4.1TCr	4.77TCr	5.68TCr	6.27TCr
Accumulated Depreciation	-1.73TCr	-1.96TCr	-2.32TCr	-2.82TCr	-3.19TCr
Net Property Plant And Equipment	2.16TCr	2.14TCr	2.45TCr	2.87TCr	3.08TCr
Accrued Interest Receivable	1.51TCr	1.78TCr	2.25TCr	2.81TCr	2.84TCr
Restricted Cash	6.02TCr	8.27TCr	12TCr	17TCr	14TCr
Other Current Assets, Total	512.31Cr	607.93Cr	692.7Cr	1.2TCr	1.65TCr
Deferred Tax Assets Long-Term (Collected)	9.55TCr	9.18TCr	8.94TCr	8.56TCr	7.66TCr
Other Real Estate Owned And Foreclosed	35Cr	35Cr	35Cr	35Cr	5.3Cr
Other Long-Term Assets, Total	21TCr	8.1TCr	11TCr	4.91TCr	4.79TCr
Total Assets	2,73600Cr	3,18600Cr	3,55200Cr	4,06400Cr	4,24100Cr
Liabilities
Interest Bearing Deposits	1,43900Cr	1,70700Cr	1,83800Cr	2,24900Cr	2,41100Cr
Non-Interest Bearing Deposits	19TCr	26TCr	34TCr	41TCr	43TCr
Total Deposits	1,62800Cr	1,97100Cr	2,17400Cr	2,66200Cr	2,84400Cr
Short-Term Borrowings	-	-	-	5.39TCr	8.18TCr
Current Portion of Long-Term Debt	14TCr	29TCr	-	-	-
Long-Term Debt	50TCr	43TCr	78TCr	81TCr	72TCr
Current Income Taxes Payable	-	-	-	-	-
Accrued Interest Payable	1.53TCr	1.78TCr	2.43TCr	2.69TCr	2.3TCr
Other Current Liabilities - (Bank / Utility Template)	568.64Cr	731.72Cr	751.18Cr	498.63Cr	358.7Cr
Other Non Current Liabilities	12TCr	13TCr	16TCr	8.89TCr	9.05TCr
Total Liabilities	2,40500Cr	2,84900Cr	3,14500Cr	3,64200Cr	3,76300Cr
Common Stock, Total	5.01TCr	5.01TCr	5.75TCr	5.75TCr	6.27TCr
Additional Paid In Capital	32TCr	32TCr	37TCr	37TCr	40TCr
Retained Earnings	-5.93TCr	-5.35TCr	-4.27TCr	-2.89TCr	-353.92Cr
Comprehensive Income and Other	1.76TCr	1.74TCr	2.59TCr	2.63TCr	1.93TCr
Total Common Equity	33TCr	34TCr	41TCr	42TCr	48TCr
Minority Interest	-	-	-	-	3.25Cr
Total Equity	33TCr	34TCr	41TCr	42TCr	48TCr
Total Liabilities And Equity	2,73600Cr	3,18600Cr	3,55200Cr	4,06400Cr	4,24100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.51TCr	2.51TCr	2.88TCr	2.88TCr	3.14TCr
ECS Total Common Shares Outstanding	2.51TCr	2.51TCr	2.88TCr	2.88TCr	3.14TCr
Book Value / Share	13.23	13.45	14.16	14.65	15.26
Tangible Book Value	33TCr	34TCr	41TCr	42TCr	48TCr
Tangible Book Value Per Share	13.23	13.45	14.16	14.65	15.26
Total Debt	64TCr	72TCr	78TCr	86TCr	80TCr
Deposits at Interest - Cash	18TCr	35TCr	5.15TCr	2.86TCr	9.3TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	22Cr	39Cr	16Cr	46Cr	66Cr
Net Debt	41TCr	17TCr	40TCr	35TCr	21TCr
Full Time Employees	22.27T	24.35T	27.52T	28T	28.69T
Number Of Offices	-	1.12T	1.19T	1.23T	1.26T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	-3.49TCr	1.06TCr	735.82Cr	1.29TCr	2.44TCr
Depreciation, Depletion & Amortization	360.03Cr	403.33Cr	433.42Cr	545.55Cr	493.39Cr
Total Depreciation, Depletion & Amortization	360.03Cr	403.33Cr	433.42Cr	545.55Cr	493.39Cr
(Gain) Loss On Sale of Asset - (CF)	3.46Cr	13Cr	-4.67Cr	2.06Cr	15Cr
(Gain) Loss on Sale of Investments - (CF)	1.79TCr	1.1TCr	2.8TCr	445.77Cr	-678.94Cr
Provision for Credit Losses	7.81TCr	2.09TCr	-1.68TCr	2.66TCr	3.2TCr
Stock-Based Compensation (CF)	-	9.04Cr	22Cr	31Cr	69Cr
Change in Other Net Operating Assets (Collected)	-12TCr	-16TCr	-49TCr	-44TCr	-18TCr
Other Operating Activities	-1.78TCr	270.86Cr	155.67Cr	-30Cr	853.88Cr
Cash from Operations	-7.41TCr	-11TCr	-46TCr	-39TCr	-12TCr
Capital Expenditure	-269.6Cr	-410.28Cr	-791.59Cr	-980.66Cr	-741.73Cr
Sale of Property, Plant, and Equipment	11Cr	12Cr	52Cr	19Cr	20Cr
Investment in Marketable and Equity Securities, Total	5.92TCr	-14TCr	-12TCr	-11TCr	9.25TCr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	5.66TCr	-15TCr	-13TCr	-12TCr	8.53TCr
Long-Term Debt Issued, Total	-	9.8TCr	7.18TCr	3.03TCr	-
Total Debt Issued	-	9.8TCr	7.18TCr	3.03TCr	-
Long-Term Debt Repaid, Total	-50TCr	-1.41TCr	-1.76TCr	-280Cr	-8.54TCr
Total Debt Repaid	-50TCr	-1.41TCr	-1.76TCr	-280Cr	-8.54TCr
Issuance of Common Stock	15TCr	6L	5.09TCr	17Cr	2.88TCr
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	58TCr	34TCr	20TCr	49TCr	18TCr
Other Financing Activities, Total	-	-	948.39Cr	-	3.25Cr
Cash from Financing	23TCr	43TCr	32TCr	52TCr	13TCr
Foreign Exchange Rate Adjustments	49Cr	-55Cr	-122.29Cr	-22Cr	-14Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	21TCr	17TCr	-27TCr	-38Cr	9.25TCr
Supplemental Items
Cash Interest Paid	-	-	22.3L	4L	1.03Cr
Cash Income Tax Paid (Refund)	801.4Cr	99Cr	67Cr	377.17Cr	58Cr
Net Debt Issued / Repaid	-50TCr	8.39TCr	5.41TCr	2.75TCr	-8.54TCr

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	-6.78TCr	-2.95TCr	-3.73TCr	-3.69TCr	-2.96TCr
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 %	-	30.61T	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 %	-	2.28T	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