🏦 Asset Quality (Major Positive)

YESBANK

📊 Q4 FY26 Performance (Strong Recovery) Net profit: ~₹1,050–1,100 crore (~40–45% YoY growth) Growth driven by: Better loan growth (~10–11%) मजबूत net interest income (~15% growth) Net Interest Margin (NIM): ~2.6–2.7% (gradually improving) 👉 Clear sign the bank is in a recovery + growth phase 🏦 Asset Quality (Major Positive) Gross NPA: ~1.3% (improving trend) Net NPA: below 0.5% Provisions declined sharply (~40%+) 👉 Indicates balance sheet cleanup largely done 📈 Stock Trend Stock saw positive reaction after results (~2–3% rise) Currently: Trading in a range-bound zone (~₹19–21) Sentiment improving, but still not fully bullish ⚖️ Legal Update (AT1 Bonds) Ongoing AT1 bond case: Bank expects no significant financial impact Removes a major uncertainty for investors 👨‍💼 Management & Strategy Focus areas: Expanding retail lending Strengthening corporate book Improving profitability metrics (ROA/ROE) Strategy shifting from survival → growth & efficiency