Analysis published 27 Mar 2026
AI-generated · cited to primary sources · not investment advice
Yes Bank (532648) Nov 2025 Filing Analysis
02 · Business Model
How durable is the business?
CASA Franchise as Structural Moat (PRINCIPLE)
68/100
The CASA ratio improved to 33.7%, up from 32.0% a year ago, indicating a shift towards lower-cost deposits despite intense industry competition. (2 expanding)
“CASA Ratio 33.7% v/s. 32.0% Q2FY25”
Yes Bank · Investor PPT · Nov 2025 · p.29
Retail vs Corporate Loan Mix (PRINCIPLE)
52/100
The bank has successfully shifted its loan book towards a more granular mix, with Retail and Commercial segments now making up 73.2% of total advances. (1 shifted)
“Granularization in Advances led by… Retail + Commercial 73.2% (H1FY26)”
Yes Bank · Investor PPT · Nov 2025 · p.20
See the full cited Business Model analysis of Yes Bank
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