YES Bank Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 7,662 Crs., flat to positive growth YoY, Net Interest Income is Rs. 2,633 Crs., 15.90% growth YoY, Total Income is Rs. 9,478 Crs., flat to positive growth YoY, Pre-Provisioning Operating Profit is Rs. 1,637 Crs., 23.69% growth YoY, PBT is Rs. 1,449 Crs., 44.12% growth YoY, Net profit is Rs. 1,082 Crs., 45.36% growth YoY. For Q4FY26 Gross NPA 1.3% vs 1.5% in Q3FY26, Net NPA 0.2% vs 10.3% in Q3FY26. Return on Assets is 1% improved by 30 BPS YoY, return on Equity is 8.4% improved by 30 BPS YoY, Net Interest Margin is 2.7% improved by 20 BPS YoY (aided by lower cost of deposits and reduction in balances of PSL shortfall deposits) On QoQ basis Interest Earned has achieved 1.45% flat growth, Net Interest Income has grown by 7%, Total Income has flat growth of 2.22%, Pre-Provisioning Operating Profit has grown by 32%, PBT grown by 19%, PAT is grown by 13.14%. YES BANK delivers robust Q4 & FY26 performance with consistent rise in profitability, acceleration in growth, outperformance in CASA, improved margins & better asset quality. 6 new Branches operationalized during the quarter, taking the cumulative count to 82 branches in FY26 inline with the guidance.