By BullScreen Editorial Team 
Private sector lender YES Bank reported a strong set of Q4 results 2026, with standalone net profit rising 45% year-on-year to ₹1,068 crore for the quarter ended March 31, 2026. The performance was driven by steady loan growth, improved margins, and stable asset quality, marking a key milestone as the bank achieved a return on assets (ROA) of 1% for the first time since 2020.
The results also mark the first quarterly performance under the leadership of CEO Vinay M Tonse. Ahead of the earnings announcement, YES Bank shares closed 2.3% higher at ₹20.4, reflecting positive investor sentiment around the YES Bank Q4 performance.
Net interest margin (NIM), a key profitability metric, improved to 2.7% in Q4FY26 from 2.5% a year ago. The bank has set a medium-term target to expand margins to 3.25–3.5% over the next two to three years, indicating a focus on sustainable profitability.
Total income remained largely stable at ₹9,381 crore, compared to ₹9,356 crore in the same quarter last year. Net interest income (NII) also saw a marginal rise to ₹7,650 crore. Meanwhile, loan growth accelerated to 10.7% year-on-year, supported by stronger corporate lending, while deposits increased 12.1%, aided by a robust CASA franchise.
Asset quality trends continued to improve. Gross non-performing assets (GNPA) declined to 1.3% from 1.5% in the previous quarter, while provisions for bad loans dropped sharply by 41% to ₹187 crore. The bank also made a one-time provision of ₹341 crore as part of a conservative provisioning strategy, clarifying that it does not indicate any deterioration in credit quality.
Management highlighted that FY26 was a significant year, with Sumitomo Mitsui Banking Corporation emerging as the largest shareholder, reinforcing global investor confidence in the bank’s turnaround story.
The improved asset quality YES Bank, stronger banking sector growth, and steady expansion in lending and deposits signal a more stable foundation. As the bank enters FY27, its focus remains on maintaining growth momentum while improving return ratios, positioning itself as a resilient player in India’s evolving banking landscape.