India · Delayed Price · Currency is INR Yes Bank Earnings Call Transcripts
Fiscal Year 2026
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Net profit rose 44.5% YoY to INR 3,476 crore in FY 2026, with ROA at 1% in Q4 and asset quality at best levels in 24 quarters. Advances and deposits grew double digits, NIM improved, and guidance targets 13%-15% loan growth and higher margins in FY 2027.
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Q3 FY26 saw strong profit growth, improved asset quality, and higher NIM, with net profit up 55% YoY and ROA at 0.9%. Retail business broke even, and the bank targets 1% ROA for FY27, focusing on profitable, granular growth and further asset quality gains.
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Strong deposit and advances growth, improved asset quality, and robust profitability marked the quarter. The bank targets double-digit loan growth and 1% ROA by FY 2027, with SMBC increasing its stake and credit ratings upgraded to AA-.
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Net profit rose 59.4% YoY to INR 801 crores, with improved ROA and stable asset quality. Management targets 12%-15% credit and deposit growth, expects near-term NIM pressure from rate cuts, and remains confident in achieving 1% ROA by FY27.
Fiscal Year 2025
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Net profit surged 92.3% year-over-year to INR 2,406 crores, with improved asset quality and stable margins. The bank targets 12–15% loan growth, further NIM expansion, and expects retail losses to have peaked, supported by business consolidation and cost efficiencies.
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Delivered strong Q3 results with 25% year-over-year PPOP growth, stable NIMs, and robust deposit and fee income growth. Asset quality improved, retail slippages stabilized, and recoveries remained strong, supporting a positive outlook for profitability and credit costs.
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Quarterly profit surged 146% YoY to INR 553 crores, with strong deposit and CASA growth, improved asset quality, and stable margins. Asset quality stress in unsecured retail remains a focus, while credit rating upgrades and strategic management hires support future growth.
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Quarterly profit rose 46.7% YoY to INR 503 crore, with strong asset quality improvements and robust fee income growth. Retail loan growth remains subdued due to risk recalibration, while SME and mid-corporate segments drive advances. CET1 and capital adequacy strengthened by warrant exercise.