Dear Client,
As part of our ongoing commitment to ensuring the security of your online trading experience, we would like to inform you of our protocol for addressing any suspicious activities observed on your trading account
Should you notice any irregularities or suspect unauthorized access to your account, we kindly request that you take immediate action by following the steps outlined below:
Send an Email Please send an email to stoptrade@acml.in from your registered email ID. In the email, briefly outline the suspicious activity you have observed.
Phone Call Alternatively, you can call us at 07968101000 Ext: 1 from your registered mobile number. This will enable us to address your concerns promptly.
When contacting us, please ensure you provide the following details:
By providing this information, you enable us to swiftly investigate and take appropriate measures to safeguard your account.
Your security and peace of mind are of utmost importance to us, and we appreciate your cooperation in maintaining the integrity of your trading account.
India Ratings and Research stated that the rating upgrade factors in an improvement in the consolidated profitability in 1Q FY26 due to a material reduction in RIDF exposure to 9% (FY22: 11.5%) and a target of 5% by FY27, leading to improved net interest margins (NIMs).
The increased focus on retail and SME in the loan mix to around 60% in FY25 (FY20: 36%) indicates a shift away from corporate lending, resulting in sustainable improvement in return on assets (ROA).
Furthermore, the upgrade also reflects the bank's improved asset quality, minimal provisioning for legacy stressed assets (net non-performing assets + net security receipts +net restructured assets), and ongoing enhancement in the deposit profile.
Moreover, the bank maintains an adequate capital position, with a capital adequacy ratio of 16.2% and Tier-I capital at 14%, backed by internal accruals which are sufficient for 11%-12% growth in advances over the near to medium term.
India Ratings also considers the proposed acquisition of a 20% stake by Sumitomo Mitsui Banking Corporation in YBL, expected to enhance the bank's strategic direction and governance framework.
The ratings also factor in YBL's investments in low-yielding RIDF deposits due to priority sector lending (PSL) shortfalls and elevated cost-to-income ratio over several fiscals.
Yes Bank is a full-service commercial bank, providing a complete range of products, services and digital offerings, to corporate, micro, small and medium enterprises and retail customers. As of June 2025, the bank had a network of over 1,253 branches and 1330 ATMs, with deposits of Rs 2.75 trillion, net advances of Rs 2.41 trillion and total assets of INR4.1 trillion.
The scrip was up 0.05% to currently trade at Rs 19.36 on the BSE.
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