Q4 2026 Yes Bank Ltd Earnings Call Transcript

Apr 18, 2026 / 09:30 AM GMT

Transcript

Key Points

Positve

Yes Bank Ltd (BOM:532648) reported a net profit of Rs. 3,476 crore for FY26, marking a 44.5% increase over FY25.
The bank's net interest income (NII) for Q4 was Rs. 2,638 crore, up 15.9% year-on-year, with a net interest margin (NIM) improvement of 20 basis points year-on-year.
Asset quality improved significantly, with gross NPA and net NPA ratios at 1.3% and 0.2%, respectively, the lowest in the last 24 quarters.
Retail disbursements showed strong momentum, registering a 41% year-on-year growth in Q4 FY26.
The bank's CASA balances grew 14.9% year-on-year, with the CASA ratio improving by 80 basis points to 35.1%.

Negative

Retail slippages, although improving, remain at 2.93%, indicating ongoing challenges in this segment.
The bank's cost-to-income ratio, while improved, still stands at 66.7%, which is relatively high.
There is uncertainty surrounding the outcome of the ATI 81 bonds case, which could impact the bank's balance sheet.
The geopolitical situation, such as the West Asia War, poses potential risks to the bank's MSME and larger client segments.
Despite improvements, the bank's net interest margin (NIM) is still below the desired 3% target, currently at 2.7%.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

YESB.NS - Yes Bank Ltd
Q4 2026 Yes Bank Ltd Earnings Call
Apr 18, 2026 / 09:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to YES Bank's Q4 FY26 results conference call. On the management panel, we have with us today Mr. Vinay M. Tonse, Managing Director and Chief Executive Officer, YES Bank, Dr. Rajan Paintal, Executive Director, Mr. Manish Jain, Executive Director, Mr. Niranjan Banodkar, Chief Financial Officer, and Mr. Sunil Parnami, Head of Investor Relations and Sustainability.

Mr. Vinay M. Tonse will now give you an overview of the results, which will be followed by a Q&A session. As a reminder, all participant clients will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference, please signal an

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