Transcript of Earnings Call for the audited Financial Results for the Quarter (Q4) and year ended March 31, 2026

Mgmt Guided Margin ImprovementMgmt Evaded Key QuestionInvestor Communications View source PDF

YESBANK · price

Loading chart…

▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reaction · full curve 14 horizons · vs prior close

+0.6%1-day move

₹19.85

prior close

₹19.85

base price

After-mkt

timing

5m10m15m30m1D2D3D4D5D7D15D1M2M3M

+1.2+1.0+0.8+0.8+0.6+1.9+0.7+0.6+3.6+13.2+10.6+14.6+26.3+15.6

Up moveDown movePending

AI summary

Yes Bank reported strong Q4FY26 and FY26 results with Net Profit of INR 1,068 crores for Q4 (up 44.7% YoY) and INR 3,476 crores for full year (up 44.5% YoY). The Bank achieved 1% ROA for the quarter, meeting its guidance. Net Interest Margin improved to 2.7% in Q4 (up 20 bps YoY) with full-year NIM at 2.6%. Asset quality remained strong with GNPA at 1.3% and NNPA at 0.2%, both lowest in 24 quarters. Total Advances grew 11.1% YoY to INR 2.73 lakh crores, with Retail disbursements surging 41% YoY. Deposits crossed INR 3 lakh crores milestone with CASA at INR 1.12 lakh crores. RIDF deposits reduced to 6% of Total Assets from 9% in FY25. Management guided for 13-15% loan growth in FY27 and NIM trajectory to 3.25-3.5% over 2-3 years.

Likely market impact

The Bank demonstrated strong execution with improved profitability, asset quality, and margins. New MD Vinay Tonse indicated confidence in accelerating growth to industry levels while maintaining quality. Key watch items include pending Supreme Court judgment on AT1 bonds and geopolitical impact on MSME portfolio.