Yes Bank Q2 profit rises as deposits cross 3.5 lakh crore
Yes Bank reported a 65% year-on-year rise in Q2 FY27 net profit to ₹1,080 crore, with net interest income up 22.7% to ₹2,822 crore. Deposits crossed ₹3.5 lakh crore, while derivatives data showed short build-up amid a 25.7% 20-session decline.
pre-market1 source ↓machine-written, see hownot a recommendation
- RBLBANK close
- ₹375.75
- On the day
- -0.66%
- Futures OI, short build-up
- +0.8%
- Put-call ratio
- 0.42
- Max pain
- ₹390.00
Yes Bank reported a 65% year-on-year rise in Q2 FY27 net profit to ₹1,080 crore, while operating profit increased 29.4% to ₹1,678 crore. Net interest income grew 22.7% to ₹2,822 crore, and core fees rose 15.4%–15.5%, supported by trade and cash management, loan processing fees and card products. 📈
The bank’s total assets crossed ₹5 lakh crore, while deposits exceeded ₹3.5 lakh crore. End-of-period deposits grew 19.5% year on year and average quarterly deposits increased 22.1%. Retail and branch-led deposits rose 20.9% and accounted for 58.8% of total deposits, providing a larger funding base for future balance-sheet growth. CASA deposit details were not included in the available excerpt.
Net profit ₹1,080 cr and NII ₹2,822 cr are the key earnings figures for the banking sector. Return on assets improved to 0.9% from 0.6% a year earlier, while the cost-to-income ratio declined to 64.3% from 67.1%. Operating expenses rose 14.2% year on year to ₹3,026 crore and included ₹51 crore of FCNR(B) commissions, ₹20 crore of Asian Games marketing costs and ₹31 crore linked to wage-code changes. 💼
Net interest margin stood at 2.6%, with sequential moderation attributed to FCNR(B) mobilisation and the resulting liquidity and deployment profile. Non-interest income increased 14.4% year on year and 4.7% sequentially, while core fees gained 15.5%. The figures indicate stronger profitability and deposit scale, alongside continued sensitivity of margins to funding composition and liquidity deployment. ⚖️
OI Charts data for 19 Oct 2026 showed the stock at ₹16.88, down 3.5% on the day, with volume of 206.8 million shares. It had fallen 17.4% over five sessions and 25.7% over 20 sessions. Futures open interest rose 3.3%, indicating short build-up; the put-call ratio was 0.49. For the 27 Oct expiry, max pain was ₹19, the largest call open interest was at ₹20 and the largest put open interest was at ₹21. Traders will watch whether deposit-led growth improves margins and whether the ₹20 call-interest area and ₹19 max-pain level shape the near-term derivatives range. Unlike the earlier RBL Bank bulletin, this is a separate earnings development.
Source: Yahoo Finance, 21 Oct 2026
Not investment advice. For informational purposes only.