Yes Bank Q4 FY26 Earnings: Net Profit Jumps 45%, Asset Quality Improves

Yes Bank reported strong growth for the March 2026 quarter (Q4 FY26), supported by higher income, better margins and improving asset quality.

Yes Bank Q4 FY26 Earnings: Net Profit And Income Growth

The bank posted a standalone net profit of ₹1,068 crore, up 44.7% YoY.

Net Interest Income (NII) grew 16% YoY to ₹2,637.7 crore. Net Interest Margin (NIM) improved to 2.7%, rising 20 basis points YoY and 10 basis points sequentially due to lower deposit costs.

Pre-provision operating profit rose 23.11% YoY to ₹1,618 crore, and for the full FY26, operating profit grew 29.4% YoY to ₹5,506 crore.

Lower Provisions

Provisions stood at ₹187.55 crore in Q4FY26, lower than ₹318.07 crore last year, reflecting improved recoveries and better asset quality.

Asset Quality Improves

The bank’s bad loans continued to decline:

• Gross NPA: ₹3,604.93 crore, down 10.2% QoQ
• Net NPA: ₹653 crore, down 2.7% QoQ

Ratios improved:

• Gross NPA ratio: 1.3% (from 1.5%)
• Net NPA ratio: 0.2% (from 0.3%)

Loans And Deposits Growth

Business growth remained strong across segments:

• Advances: ₹2.73 lakh crore, up 11.1% YoY
• Deposits: ₹3.18 lakh crore, up 12.1% YoY

CASA deposits crossed the important milestone of ₹1 lakh crore, helping reduce the cost of deposits.

Read More: GAIL Share Price in Focus; Signs Long-Term LNG Carrier Charter Agreement with Alpha Gas! 

Outlook

The bank plans to continue focusing on strengthening its franchise, improving growth quality and building a more resilient business in FY27.

Yes Bank Share Price Movement

Yes Bank share price (NSE: YESBANK) was trading at ₹20.32 on the NSE at 12:08 PM, up ₹0.13 (0.64%) for the day. The stock opened at ₹20.64, touched a high of ₹20.71, and a low of ₹20.00 during the session. Over the past year, the stock has recorded a 52-week high of ₹24.30 and a 52-week low of ₹17.20. The company currently does not pay a dividend.

Conclusion

Yes Bank delivered a strong turnaround quarter with sharp profit growth, improving margins and falling NPAs. Continued growth in loans and deposits signals strengthening business momentum.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.