Mumbai: YES BANK Q4 FY26 results highlighted strong financial performance, with the bank reporting robust growth in profitability, improved asset quality, and steady business expansion.
In YES BANK Q4 FY26, the bank posted a net profit of ₹1,068 crore, marking a 44.7% year-on-year increase compared to the same period last year.
For the full financial year, YES BANK Q4 FY26 performance capped off FY26 with a total profit of ₹3,476 crore, up 44.5% year-on-year, reflecting sustained growth momentum across key business segments.
Profitability and Income Growth
In YES BANK Q4 FY26, Net Interest Income (NII) stood at ₹2,638 crore, registering a 15.9% year-on-year growth. Net Interest Margins (NIMs) improved by 20 basis points to 2.7%, indicating enhanced efficiency in core operations. Non-interest income for the full year grew 15.4% year-on-year to ₹6,759 crore.
Operating profit in YES BANK Q4 FY26 rose 23.1% year-on-year to ₹1,618 crore. The cost-to-income ratio improved significantly to 63%, compared to 67.3% in Q4 FY25, reflecting better cost management. Return on Assets (RoA) stood at 1.0% in YES BANK Q4 FY26, up from 0.7% in the same quarter last year.
Deposits and CASA Growth
A key highlight of YES BANK Q4 FY26 was the bank crossing the ₹3 lakh crore milestone in total deposits. Deposits rose 12.1% year-on-year and 9.0% quarter-on-quarter to ₹3,18,969 crore.
CASA deposits grew 14.9% year-on-year to ₹1,11,959 crore, with the CASA ratio improving to 35.1% in YES BANK Q4 FY26, compared to 34.3% in Q4 FY25 and 34.0% in Q3 FY26.
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Advances and Segment Performance
Total advances in YES BANK Q4 FY26 stood at ₹2,73,445 crore, reflecting an 11.1% year-on-year growth. Growth was broad-based across segments:
- Retail banking advances increased 4.7% year-on-year
- Commercial banking advances grew 14.5% year-on-year
- Corporate & Institutional Banking advances rose 19.7% year-on-year
- Retail asset disbursements surged approximately 41% year-on-year
- Asset Quality Improvement
Asset quality showed notable improvement in YES BANK Q4 FY26, with the Gross NPA (GNPA) ratio declining by 30 basis points year-on-year to 1.3%. The Net NPA (NNPA) ratio stood at 0.2%, improving by 10 basis points both year-on-year and quarter-on-quarter.
The bank maintained a strong Provision Coverage Ratio (PCR) of 81.9% in YES BANK Q4 FY26, compared to 79.7% in Q4 FY25.
Network Expansion and Reach
During FY26, YES BANK Q4 FY26 performance was supported by expansion in its physical network. The bank added 82 new branches, taking the total to 1,334 branches across India. It also operates 249 Business Correspondent (BC) outlets.
Additionally, YES BANK has 1,364 ATMs, Cash Recycling Machines (CRMs), and Bunch Note Acceptors (BNAs), ensuring 24×7 banking services for customers.
Vinay M Tonse, Managing Director & Chief Executive Officer, 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.
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.”
Recognition and Strategic Initiatives
In YES BANK Q4 FY26, the bank achieved several milestones and recognitions. It was included in the S&P Global Sustainability Yearbook 2026, becoming the only Indian bank to receive this recognition.
The bank also continued its presence in the FTSE4Good Index Series for the third consecutive year.
Additionally, YES BANK was certified as a Great Place to Work for the fourth consecutive year. During the quarter, the bank launched YES Grandeur Business, a premium offering for business clients, and introduced the ACIC Launchpad initiative to support early-stage startups in technology and innovation.
