Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Investor Presentation

Yes Bank filed its February 2026 Investor Presentation showcasing Q3FY26 results and its turnaround story. Net Profit surged 55.4% YoY to INR 952 Crs, with Operating Profit up 14.3% YoY at INR 1,234 Crs (28.7% YoY adjusted for one-time gratuity impact). NIM improved to 2.6% (up 20bps YoY), aided by a 60bps decline in cost of funds, while RoA rose to 0.9% from 0.6% YoY. Advances grew 5.2% YoY to INR 2,57,451 Crs and Deposits grew 5.5% YoY to INR 2,92,524 Crs, with CASA ratio improving to 34.0%. Asset quality remained strong with GNPA at 1.5% and NNPA at 0.3%, alongside a best-in-class Provision Coverage Ratio of 83.3%. SMBC remains the largest shareholder with 24.9% stake. The bank guided that PSL shortfall deposits (currently 6.9% of assets) should reduce to under 5% over the next two years, which would further lift normalized NIM to ~3.0% and RoA to ~1.1%.