YES BANK Q2 FY27: Net profit Rs 1,080 crore, up 65% YoY
Yes Bank’s consolidated Q2 FY27 net profit was Rs 1,080.00 cr on total income of Rs 4,704.00 cr, versus Rs 654.00 cr on Rs 3,945.00 cr a year earlier.
Key takeaways
- Total Income was Rs 4,704.00 cr in Q2FY27 vs Rs 3,945.00 cr in Q2FY26.
- Net Profit / (Loss) was Rs 1,080.00 cr in Q2FY27 vs Rs 654.00 cr a year earlier.
- Operating Profit / (Loss) rose to Rs 1,678.00 cr from Rs 1,296.00 cr in Q2FY26.
- Non Tax Provisions were Rs 317.00 cr in Q2FY27 vs Rs 419.00 cr in Q2FY26.
- Basic EPS (INR) was Rs 0.34 in Q2FY27 compared with Rs 0.21 in Q2FY26.
Q2 FY27 · consolidated
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 2,822.00 cr | Rs 2,301.00 cr | +22.7% |
| PAT | Rs 1,080.00 cr | Rs 654.00 cr | +65.0% |
As reported in the filing. Figures are transcribed, not computed.
What the numbers show
- Net margin was 38.27% of revenue, up 984 bps from 28.42%.
- Revenue rose 22.6% while total expenses rose 14.2%.
• Basis: consolidated statement of financial results (profit and loss statement table titled "Profit and Loss Statement" in the investor presentation)
• Period reported: quarter ended 30 September 2026 (Q2FY27)
• Comparative period: quarter ended 30 September 2025 (Q2FY26)
Key P&L lines (Q2FY27 vs Q2FY26, consolidated)
- Total Income (labelled "Total Income"): Rs 4,704.00 cr vs Rs 3,945.00 cr
- Operating Expenses: Rs 3,026.00 cr vs Rs 2,649.00 cr
- Human Resource Cost: Rs 1,164.00 cr vs Rs 1,007.00 cr
- Other Operating Expenses: Rs 1,862.00 cr vs Rs 1,642.00 cr
- Operating Profit / (Loss): Rs 1,678.00 cr vs Rs 1,296.00 cr
- Provisions (Non Tax Provisions): Rs 317.00 cr vs Rs 419.00 cr
- Profit Before Tax: Rs 1,360.00 cr vs Rs 878.00 cr
- Tax Expense (Provision for Taxation): Rs 280.00 cr vs Rs 223.00 cr
- Net Profit / (Loss): Rs 1,080.00 cr vs Rs 654.00 cr
- Basic EPS (INR): Rs 0.34 vs Rs 0.21
From the same profit and loss statement table, Net Interest Income for Q2FY27 was Rs 2,822.00 cr compared with Rs 2,301.00 cr in Q2FY26, while Non Interest Income was Rs 1,882.00 cr versus Rs 1,644.00 cr a year earlier.
According to the key P&L ratios section linked to this table, the bank’s Return on Assets (annualized) for Q2FY27 was 0.9% compared with 0.6% in Q2FY26. Return on Equity (annualized) was 8.2% in Q2FY27 versus 5.4% in Q2FY26. The Net Interest Margin (NIM) was reported at 2.6% for Q2FY27 against 2.5% in Q2FY26, and the Cost to Income ratio was 64.3% in Q2FY27 compared with 67.1% in Q2FY26.
The profit and loss statement in the investor presentation also shows that provision costs (non-tax provisions) declined year-on-year, with total non-tax provisions at Rs 317.00 cr in Q2FY27 versus Rs 419.00 cr in Q2FY26. Profit before tax increased to Rs 1,360.00 cr from Rs 878.00 cr over the same period, and net profit rose to Rs 1,080.00 cr from Rs 654.00 cr.
All figures above are taken directly from the consolidated profit and loss statement and associated key ratio table in the investor presentation forming part of the Q2FY27 financial results disclosure, for the quarter ended 30 September 2026 and the corresponding quarter ended 30 September 2025.
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