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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.
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, supported 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.
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
Q4FY26 Net Profit exceeds INR 1,000 Crs at INR 1,068 Crs, up 44.7% Y-o-Y & 12.3% Q-o-Q. FY26
Net Profit at Rs 3,476 crore, up 44.5% YoY
• RoA at 1.0% v/s 0.7% Q4FY25 & 0.9% in Q3FY26. FY26 RoA at 0.8% v/s 0.6% in FY25
• NIM at 2.7% v/s 2.5% in Q4FY25 & 2.6% in Q3FY26. FY26 NIM at 2.6% v/s 2.4% in FY25
o Cost of Deposits for Q4FY26 lower 60bps Y-o-Y & 10bps Q-o-Q at 5.5%; FY26 Cost of Deposits down 40bps Y-o-Y at 5.7%
• Non-Interest Income at INR 1,730 Crs, up 6.0% Q-o-Q. FY26 Non-Interest Income at INR 6,759 Crs up 15.4% Y-o-Y
• Operating Profit for Q4FY26 at INR 1,618 Crs up 23.1% Y-o-Y and 31.2% Q-o-Q. FY26
Operating Profit at INR 5,506 Crs up 29.4% Y-o-Y
• C/I Ratio further improved to 63.0% in Q4FY26 v/s. 67.3% in Q4FY25 & 66.1% in Q3FY26. FY26
C/I at 66.7% v/s. 71.3% in FY25
▪ Acceleration in Balance Sheet growth; CASA outperformance continues
• Advances at INR 2,73,445 Crs, up 11.1% Y-o-Y and 6.2% Q-o-Q; Deposits exceed critical
milestone of INR 3 lakh Crs at INR 3,18,969 Crs up 12.1% Y-o-Y & 9.0% Q-o-Q
• Disbursements at INR 33,224 Crs, up 19.8% Y-o-Y & 23.1% Q-o-Q, with Retail disbursements
accelerating to ~41% Y-o-Y growth; FY26 disbursements exceed INR 1 Lakh Crs
• CASA Deposits crossed the critical milestone of INR 1 lakh Crs during the quarter
• Retail & Branch Led Deposits at INR 1,86,186 Crs grew 13.5% Y-o-Y; and comprised 58.4%
▪ Significant improvement in Asset Quality
• GNPA ratio at 1.3% down 20 bps Q-o-Q and NNPA ratio at 0.2%, down 10 bps Q-o-Q
• Retail Slippages at their lowest in past 9 quarters at INR 888 Crs (2.8% of Advances) v/s.
INR 1,026 Crs (3.4% of Advances) in Q3FY26
• Net Credit Costs for the quarter stood 0.17% of Avg. assets v/s. 0.30% in Q4FY25. FY26
Credit Costs restricted to 0.2% v/s. 0.3% in FY25
▪ Awarded Silver Shield for Excellence in Financial Reporting 2024–25 from ICAI among Private
▪ Improved S&P Global ESG Score from 73 to 79 in 2025, making it the highest score amongst Indian
Banks for the fourth consecutive year
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.”
(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.)
