Yes Bank Targets 8% Loan Growth, 1% ROA by FY26 End

• Yes Bank aims for 8% loan growth in FY26, with a stronger, diversified push planned for FY27.
• The bank is focusing on profitable loan growth and balance sheet optimization, avoiding low-yield segments like prime home loans.
• Key focus areas include used car loans, affordable vehicle finance, business loans, and personal loans, with plans to enter gold loans.
• Managing Director & CEO Prashant Kumar stated the bank expects to exit FY26 with a 1% Return on Assets (ROA).
• Improvements in Net Interest Margins (NIMs) are attributed to profitable loan growth, corrective deposit pricing, and reduced RIDF deposits.

Why It Matters: Yes Bank is strategically shifting towards profitable loan segments and optimizing its balance sheet for sustained growth.