YES BANK has delivered a landmark performance for the final quarter of financial year 2025-26, reporting a massive 44.7% year-on-year jump in net profit to ₹1,068 crore.
This surge marks the bank’s highest quarterly profitability since its reconstruction, signaling a robust turnaround and sustained growth momentum.
The bank’s bottom line was bolstered by significant improvements in key financial metrics. The Return on Assets (RoA) reached 1.0% for the quarter, up from 0.7% in the previous year.
Furthermore, the Net Interest Margin (NIM) expanded to 2.7%, a 20-basis point improvement year-on-year, aided by a decreasing cost of deposits and a healthier funding mix.
For the full financial year (FY26), YES BANK reported a total net profit of ₹3,476 crore, representing a 44.5% increase over FY25.
In a major strategic victory, YES BANK surpassed two critical psychological and financial barriers during the quarter:
- Total Deposits crossed the milestone of ₹3 Lakh crore, ending the year at ₹3,18,969 crore.
- CASA Deposits (Current Account and Savings Account) crossed the ₹1 Lakh crore mark for the first time.
The bank’s CASA ratio now stands at 35.1%, up 80 bps year-on-year, reflecting a successful shift toward more granular and retail-led liabilities.
YES BANK continues to clean up its balance sheet, reporting its lowest GNPA and NNPA levels since FY20. The Gross NPA ratio fell to 1.3% (down from 1.6% last year), while the Net NPA ratio improved to an impressive 0.2%.
The bank also demonstrated disciplined risk management, with Retail Slippages hitting their lowest level in nine quarters at ₹888 crore. Credit costs were also strictly controlled, restricted to just 0.2% for the full year.
The year was further defined by a major change in ownership structure. Sumitomo Mitsui Banking Corporation (SMBC) officially became YES BANK’s largest shareholder, acquiring a 24.9% stake.
This entry by the Japanese banking giant has been hailed by CEO Vinay M. Tonse as a reaffirmation of “global institutional confidence in the Bank’s long-term potential”.
Operating efficiency also saw a marked improvement, with the bank’s Cost to Income (C/I) ratio dropping to 66.7% for FY26 from 71.3% in the prior year. The bank opened 82 new branches during the year, expanding its footprint to over 1,300 branches across 300 districts.
“YES BANK concluded FY26 on a strong footing,” said Mr. Vinay M. Tonse, Managing Director & CEO. “As we move into FY27, our priorities remain firmly anchored in strengthening the franchise, accelerating high-quality growth, and advancing our journey toward building a resilient YES BANK”.
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