Yes Bank today announced the earnings for the fourth quarter of the financial year 2025-26. Posting a strong performance in Q4 FY26, the private sector lender reported a 44.7 per cent year-on-year jump in its net profit to Rs 1,068.4 crore, compared to Rs 738 crore in the same period of the previous financial year, the company said in a press release.
Operating Profit for Q4 FY26 at Rs 1,618 crore, up 23.1 per cent YoY and 31.2 per cent QoQ. For the full year FY26, the operating profit was at Rs 5,506 crore, up 29.4 per cent YoY.
The bank's Net interest income (NII) also saw a robust growth, increasing 16 per cent YoY to Rs 2,637 crore in the reporting quarter against Rs 2,276.3 crore post in the year-ago period.
Net interest margin (NIM) in the quarter under review came in at 2.7 per cent, improving by 20 bps year-on-year and 10 bps sequentially, aided by a lower cost of deposits and a reduction in balances of PSL shortfall deposits. For the full year FY26, NIM stood at 2.6 per cent, reflecting an improvement of 20 bps YoY from 2.4 per cent in FY25.
The bank's net advances stood at Rs 2.73 lakh crore, an increase of 11.1 per cent YoY and 6.2 per cent on QoQ bais, driven by acceleration across key business segments. Deposits exceed critical milestone of Rs 3 lakh crore Rs 3,18,969 crore, up 12.1 per cent YoY and 9 per cent QoQ.
Disbursements were at Rs 33,224 crore, up 19.8 per cent YoY and 23.1 per cent QoQ, with retail asset disbursements accelarating to around 41 per cent YoY, while corporate and institutional banking advances reporting a growth of 19.7 per cent.
Commercial Banking advances rose 14.5 per cent YoY and Retail Banking advances was up 4.7 per cent YoY. C/D ratio was at 85.7 per cent against 86.5 per cent in Q4 FY25 and 88 per cent in Q3 FY26.
Asset quality continued to improve in Q4 FY26. The bank's gross NPA ratio declined to 1.3 per cent, down 30 bps YoY and 20 bps QoQ. The net NPA ratio stood at 0.2%, improving by 10 bps both in YoY and in QoQ. Provision coverage ratio (PCR) came in at 81.9 per cent, against 79.7 per cent reported in Q4 FY25 and 83.3 per cent in Q3 FY26.
Vinay M. Tonse, Managing Director & CEO of Yes Bank said, "YES BANK concluded FY26 on a strong footing, delivering a Q4 RoA of 1.0% in line with our guidance, supported by a 20 bps improvement in NIMs, improvement in Cost to Income ratio and the lowest GNPA and NNPA levels since FY20. Business momentum continued to strengthen, with broad-based growth across advances and deposits, underpinned by a robust CASA-led deposit engine that contributed to lower Cost of Deposits."
He further stated, "FY26 also marked an important strategic milestone with SMBC becoming our largest shareholder, reaffirming global institutional confidence in the Bank's long-term potential. As we move into FY27, our priorities remain firmly anchored in strengthening the franchise, accelerating high-quality growth, and advancing our journey toward building a resilient YES BANK that consistently creates sustainable value for all stakeholders."
Yes Bank Q4 results 2026 out
- Net Profit: Rs 1,068 Cr in Q4 FY26, up 45% YoY, 12% QoQ
- NII: Rs 2,637 crore in Q4 Fy26, up 16% YoY, 7% QoQ
- Operating Profit: Rs 1,618 crore, up 31% QoQ
- Provisions: Rs 187 crore, up 757% QoQ
Asset Quality
▪ GNPA Ratio at 1.3% in Q4FY26 down 30 bps Y-o-Y and 20 bps Q-o-Q
▪ NNPA Ratio at 0.2% in Q4FY26 down 10 bps both Y-o-Y and Q-o-Q
▪ PCR at 81.9% in Q4FY26 v/s 79.7% in Q4FY25 and 83.3% in Q3FY26
▪ Net Credit Costs for the quarter stood 0.2% of Avg. assets for the quarter v/s. 0.3% Q4FY25.
FY26 Credit Costs restricted to 0.2% v/s. 0.3% in FY25
▪ Gross Slippages for Q4FY26 at Rs 1,102 crore (1.6% of Advances) v/s Rs 1,050 crore (1.6% ofAdvances) in Q3FY26
▪ Retail Banking Slippages at their lowest in past 9 quarters at Rs 888 crore (2.8% of Advances) versus Rs 1,026 crore (3.4% of Advances) in Q3FY26
▪ Recoveries & Upgrades for Q4FY26 at Rs 1,547 crore and Rs 4,795 crore for FY26, inlcuding P&L gain from Security Receipts of Rs 446 crore for Q4 FY26 & Rs 1,559 crore for FY26.
Balance Sheet
▪ Net Advances at Rs 2,73,445 crore, registered growth of 11.1% Y-o-Y and 6.2% Q-o-Q, driven by acceleration across business segments
• Retail Assets Disbursement, up ~41% Y-o-Y
• Corporate & Institutional Banking Advances up 19.7% Y-o-Y; Commercial Banking
Advances up 14.5% Y-o-Y; Retail Banking Advances up 4.7% Y-o-Y
▪ C/D ratio at 85.7% v/s 86.5% in Q4FY25 and 88.0% in Q3FY26
▪ Total Deposits at Rs 3,18,969 crore grew 12.1% Y-o-Y & 9.0% Q-o-Q with continued outperformance in CASA Deposits
• CASA Deposits at Rs 111,959 crore grew 14.9% Y-o-Y; CASA AQB (Avg. Quarterly Balance) growth was also strong at 11.2% Y-o-Y
• CASA Ratio at 35.1% v/s 34.3% in Q4FY25 and 34.0% in Q3FY26
• CA balances grew 20.8% Y-o-Y and 28.2% Q-o-Q
• SA balances grew 10.1% Y-o-Y and 1.6% Q-o-Q
▪ Average Quarterly LCR during the quarter remains healthy at 119.0%
▪ CET I Ratio stands at 13.8% v/s 13.5% in Q4FY25 and 13.9% in Q3FY26
• RWA to Total Assets at 69.7% v/s 71.3% in Q4FY25 and 73.9% in Q3FY26
▪ PSL shortfall Deposits at Rs 27,931 crore - lower 24.5% Y-o-Y and 4.4% Q-o-Q, now account for 6.0% of Total Assets; consequently, Borrowings down 9.4% Y-o-Y
Yes Bank Share Price
Shares of Yes Bank on Friday ended at Rs 20.20, up Rs 0.25 or 1.25 per cent from the previous close of Rs 19.95, on the BSE.
(Disclaimer: The above article is meant for informational purposes only, and should not be considered as any investment advice. ET NOW DIGITAL suggests its readers/audience to consult their financial advisors before making any money related decisions.)
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