Yes Bank Q2 Results: PAT Jumps 18%, NII Rises, Asset Quality Improves

Yes Bank Q2: PAT Up 18%

Yes Bank announced its Q2 results for the quarter ended September 30, 2025, reporting an 18.3% YoY jump in Profit After Tax (PAT) to Rs 654 crore. Net Interest Income (NII) also saw a 4.5% rise, reaching Rs 2,300 crore. On the asset quality front, Gross NPAs remained steady at 1.6%, while Net NPAs significantly fell to 0.3% from 0.5% in Q2FY25, indicating effective credit management. The bank’s total deposits grew 6.9% YoY, crossing Rs 2.96 lakh crore, and net advances increased by 6.4% YoY to over Rs 2.5 lakh crore, showcasing strong balance sheet growth and operational efficiency.

Yes Bank’s Q2 FY26 results demonstrate a solid recovery trajectory, particularly with the impressive 18.3% year-on-year PAT jump and healthy 4.5% NII growth. This positive financial performance indicates improved operational efficiency and a stronger core banking business. A key highlight is the significant improvement in asset quality, evidenced by the Net NPA ratio falling to a contained 0.3% from 0.5% in the previous comparable period. This improvement in NPA figures suggests effective credit risk management and recovery efforts, which are crucial for sustainable growth in the banking sector.

Furthermore, Yes Bank’s balance sheet continues to strengthen, with total deposits showing a robust 6.9% YoY growth and net advances increasing by 6.4% YoY. The growth in CASA deposits and the improving CASA ratio are particularly positive indicators, reflecting enhanced customer trust and a more stable funding base. While there was a sequential decline in PAT, the year-on-year growth across key metrics like operating profit and NIM improvement underscores the bank’s consistent efforts to enhance profitability and stability. These Q2 earnings paint a picture of a bank making steady progress in its financial and operational health.

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