Yes Bank Reports Robust Q4FY26 and FY26 Results, Noting Profitability and Asset Growth
Yes Bank Limited announced its audited Standalone and Consolidated Financial Results for the Quarter (Q4) and the full year ended on March 31, 2026. The bank reported robust performance, driven by increased profitability, strong deposits growth, and improved asset quality across the reporting periods.During Q4FY26, the bank's net profit reached INR 1,068 Crs, representing a 44.7% year-over-year increase and a 12.3% quarter-over-quarter rise. For the full financial year FY26, net profit stood at INR 3,476 Crs, marking a 44.5% increase year-over-year.
In terms of operational efficiency and profitability ratios, the bank reported notable improvements:
| Metric | Q4FY26 | Q4FY25 | FY26 | FY25 |
|---|---|---|---|---|
| Net Profit (INR Crs) | 1,068 | 738 | 3,476 | 2,406 |
| Return on Assets (RoA) | 1.0% | 0.7% | 0.8% | 0.6% |
| Return on Equity (RoE) | 8.4% | 6.2% | 7.0% | 5.2% |
| Net Interest Margin (NIM) | 2.7% | 2.5% | 2.6% | 2.4% |
| Cost to Income Ratio | 63.0% | 67.3% | 66.7% | 71.3% |
Balance Sheet and Funding Strength
The bank’s balance sheet exhibited significant expansion, propelled by consistent deposit growth. Total Advances grew 11.1% year-over-year, reaching INR 2,73,445 Crs. Correspondingly, total deposits increased 12.1% year-over-year to INR 3,18,969 Crs.A key milestone achieved during the quarter was the crossing of INR 1 lakh Crs in CASA Deposits. Retail & Branch-led Deposits also showed strength, growing 13.5% year-over-year to INR 1,86,186 Crs, comprising 58.4% of total deposits. CASA Deposits grew 14.9% year-over-year, reaching INR 111,959 Crs.
The bank's capital adequacy ratios remained healthy:
| Ratio | Q4FY26 | Q4FY25 | Q3FY26 |
|---|---|---|---|
| CET I Ratio | 13.8% | 13.5% | 13.9% |
| CASA Ratio | 35.1% | 34.3% | 34.0% |
Asset Quality and Cost Management
Asset quality showed a marked improvement in Q4FY26. The Gross Non-Performing Assets (GNPA) ratio stood at 1.3%, down 20 basis points (bps) quarter-on-quarter (Q-o-Q). The Net NPA ratio was reported at 0.2%, decreasing 10 bps Q-o-Q.Furthermore, the bank maintained disciplined cost control. Net Credit Costs for the quarter were 0.17% of Average assets, compared to 0.30% in Q4FY25. For the full year, credit costs were restricted to 0.2% of Average assets, versus 0.3% in FY25.
Operational and Corporate Achievements
Mr. Vinay M. Tonse, Managing Director & CEO, commented on the results, stating that the bank concluded FY26 on a strong footing. He highlighted that the performance was supported by a 20 bps improvement in NIMs and continued growth in advances and deposits. He also noted the strategic milestone of Sumitomo Mitsui Banking Corporation (SMBC) becoming the bank's largest shareholder, which reaffirmed global institutional confidence.Operationally, the bank expanded its physical reach, opening 6 new branches in Q4FY26, taking the cumulative count to 82 branches in FY26. The bank also received several recognition awards, including the Silver Shield for Excellence in Financial Reporting 2024-25 from ICAI among Private Sector Banks. In terms of sustainability, it improved its S&P Global ESG Score from 73 to 79 in 2025, establishing the highest score among Indian Banks for the fourth consecutive year.
YESBANK Stock Price Movement
Yes Bank Limited shares gained momentum on Friday, closing at ₹20.41 after edging higher by 2.31%, or ₹0.46. The stock settled within a wide intraday range, recording a high of ₹20.44 and trading a considerable volume of 130.23 million shares.Source:
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