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Private sector lender Yes Bank will announce its earnings for the January-March period of the financial year 2025-26 today. The private lender informed this through an exchange filing on April 8.
Yes Bank is expected to report a steady performance in the fourth quarter of FY26, aided by stable margins and resilient loan expansion.
Yes Bank Q4 Results 2026 Preview
The private sector lender could report a profit after tax (PAT) to Rs 996 crore, implying 34.94 per cent year-on-year growth, while sequential performance is expected to rise 4.66 per cent. PAT stood at Rs 738 crore in the last quarter.
The bank’s operating profit may see a YoY growth of 7.66 per cent to Rs 1,415 crore from Rs 1,314 crore reported in the same quarter of the previous financial year. On QoQ, it might rise by 14.70 per cent from Rs 1,234 crore posted in Q3 FY26.
Net interest income (NII) could increase to Rs 2,568 crore in the reporting quarter, a rise of 2.19% YoY and 3.17% QoQ from Rs 2,276 crore reported in Q4 FY25 and Rs 2,466 crore in the previous quarter, respectively.
Interest income might rise 2.19 per cent YoY and 3.17 per cent QoQ to Rs 7,783 crore in Q4 FY26 against Rs 7,616 crore in Q4 FY25 and Rs 7,543 crore in the previous quarter, respectively.
Interest expense could see a decline of 2.34 per cent YoY to Rs 5,215 in Q4 FY26 against Rs 5,340 crore in the year-ago period. Sequentially, it might see an increase of 2.70 per cent.
On the assets front, Return on Assets might improve by 21 bps YoY and 1 bps QoQ to 0.91% in the reporting quarter from 0.70% in Q4 FY25 and 0.90% in Q3 FY26.
Yes Bank’s yield on advances is likely to fall 104 bps YoY and 24 bps QoQ to 9.06 per cent in Q4 FY26 against 10.10 per cent in Q4 FY25 and 9.30 per cent in Q3 FY26.
Advances is expected at Rs 2,72,454 crore in Q4 FY26, implying a growth of 10.7 per cent YoY and 5.8 per cent QoQ. It was Rs 2,46,188 crore in Q4 FY25 and Rs 2,57,451 crore in the last quarter, respectively.
Deposits were at Rs 3,18,970 crore in Q4 FY26, recording an increase of 9.0 per cent QoQ and 12.1 per cent YoY from Rs 2,92,524 crore in the last quarter and Rs 2,84,525 crore in Q4 FY25, respectively.
CASA is likely to stand at Rs 1,11,960 crore in Q4 FY26, implying an increase of 12.54 per cent QoQ and 14.85 per cent YoY.
Ratio might report a marginal increase of 0.84 per cent YoY and 1.09 per cent QoQ to 35.10 per cent in Q4 FY26 against 34.01 per cent reported in Q3 FY26 and 34.26 per cent posted in the year-ago period.
Yes Bank Q4 Results 2026 Expectations
- ROA to approach ~1% exit run-rate
- NIMs to remain stable/improve on better mix and lower funding cost
- Retail segment to turn profit positive post breakeven
- Credit costs to stay benign (<50 bps trend)
- SR recoveries to meet FY26 guidance (~Rs 1,200 crore)
Yes Bank Q4 Results 2026: Key Monitorables
- Whether loan growth momentum can sustain without hurting margins or asset quality
- Sustainability of NIM at ~2.6%
- Retail segment delivering reported profitability
- Slippage trends, especially in retail unsecured book
- Dependence on SR recoveries vs core earnings
- Cost discipline as investments in branches/tech continue
Yes Bank Q4 Results 2026 date and time
In the regulatory filing, Yes Bank Ltd informed the bourses that the meeting of the Board of Directors of the company is scheduled on Saturday, April 18, 2026, to consider and approve unaudited financial results for the quarter (Q4) and year ended March 31, 2026.
“…this is to inform that the meeting of the Board of Directors of YES BANK Limited (the “Bank”) will be held on Saturday, April 18, 2026, at Mumbai, inter alia, to consider and approve the Audited Standalone and Consolidated Financial Results of the Bank for the Quarter (Q4) and Year ended March 31, 2026,” Yes Bank said in the exchange filing.
Yes Bank is declaring the quarterly earnings report on Saturday, which is a holiday for the stock market. It had released the earnings for the third quarter of FY26 at around 12.52 on January 17, 2026, and hence it is expected that the bank might announce its Q4 FY26 at around the same time on Saturday, April 18, 2026.
