Net curiosity margin (NIM) improved to 2.70 per cent from 2.50 per cent in Q4FY25
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YES Bank reported a 45 per cent year-on-year (y-o-y) jump in fourth quarter (Q4FY26) standalone net profit at ₹1,068 crore in opposition to ₹738 crore on the again of wholesome development in net curiosity revenue and decline in mortgage loss provisions even because it confirmed additional enchancment in asset high quality.
Net curiosity revenue (distinction between curiosity earned and curiosity expended) rose 16 per cent y-o-y to ₹2,638 crore ( ₹2,276 crore in Q4FY25).
Non-Interest Income, together with fee-based revenue, treasury revenue and restoration in written-off accounts, declined a shade to ₹1,730 crore from ₹1,739 crore in the yr in the past quarter.
Loan loss provisions declined about 41 per cent y-o-y to ₹188 crore ( ₹318 crore).
In his first media interplay after taking on as MD & CEO on April 6, 2026, Vinay Tonse noticed that the financial institution operates on a stronger base with resilient asset high quality, a extra granular franchise, a strengthened deposit engine, and renewed stakeholder confidence supported by sturdy shareholders similar to Japan’s Sumitomo Mitsui Banking Corporation (SMBC), persevering with help from State Bank of India and Advent International.
“Our ongoing collaboration with SMBC provides helpful strategic support, particularly in corporate and cross-border banking,” he mentioned.
Net curiosity margin (NIM) improved to 2.70 per cent from 2.50 per cent in Q4FY25.
Tonse mentioned the advance in NIM was pushed by front-loaded repricing of deposits, which benefited the Bank by the yr, continued traction in CASA (present account, financial savings account) deposits, and likewise discount in high-cost borrowings and RIDF (Rural Infrastructure Development Fund)-related mandated deposits.
Asset high quality continued to strengthen, with gross NPAs (non-performing property) and net NPAs declining to 1.3 per cent (from 1.5 per cent as on December-end 2025) and 0.2 per cent (0.3 per cent), respectively. Provision CoveragevRatio was at 81.9 per cent.
“These (asset quality ratios) are the best levels in the last 24 quarters, supported by disciplined underwriting, improved collections, and lower slippages across product segments,” Tonse mentioned.
Recoveries and upgrades for FY26 had been ₹4,795 crore, together with ₹1,547 crore on safety receipts (SRs). The Bank stays on observe to ship the SR recoveries of ₹800 to 1,000 crore in FY27.
YES Bank’s new chief mentioned whole advances grew 11.1 per cent year-on-year to ₹2.73 lakh crore, supported by sturdy momentum in retail disbursements, which grew 41 per cent year-on-year in This autumn.
Further, whole deposits crossed the ₹3 lakh crore milestone, with CASA balances crossing the milestone of ₹1 lakh crore. CASA grew 14.9 per cent year-on-year, and the CASA ratio improved to 35.1 per cent, (34.3 per cent in Q4FY25)
Published on April 18, 2026