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AT1 bonds adverse judgment
View Risks →Yes Bank Limited — Q4 FY26
Yes Bank delivered a strong Q4 FY26 with net profit of ₹1,068 crore (+44.7% YoY), driven by NII growth of 15.9% YoY to ₹2,638 crore and NIM expansion of 20bps YoY to 2.7%.
bullish
high
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Yes Bank delivered a strong Q4 FY26 with net profit of ₹1,068 crore (+44.7% YoY), driven by NII growth of 15.9% YoY to ₹2,638 crore and NIM expansion of 20bps YoY to 2.7%. Asset quality improved to best-in-class levels: GNPA 1.3% and NNPA 0.2%, with retail slippages at a nine-quarter low. The bank achieved 1% ROA, in line with guidance, supported by lower credit costs (0.17% in Q4) and a 63% cost-to-income ratio. Management guided for loan growth of 13-15% in FY27, sustained margin improvement via RIDF rundown (target below 5% of assets by FY27), and core ROA improvement of 25-50bps. Key risk: potential adverse Supreme Court ruling on AT1 bonds could impact capital adequacy.
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CASA Ratio
35.1%
+80bps YoY
CASA balances crossed ₹1 lakh crore milestone, growing 14.9% YoY.
Retail Disbursement Growth
41%
+41% YoY
Retail disbursements grew 41% YoY in Q4, indicating strong momentum.
Gross Slippage Ratio
1.8%
-30bps YoY
Improved from 2.1% in FY25, led by retail slippage reduction to 2.8% exit rate.
RIDF Deposits as % of Assets
6%
-300bps YoY
Reduced from 9% in FY25; target below 5% by FY27 to aid margins.
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Guidance and risk preview
Management expects advances growth in line with industry, targeting 13-15% for FY27, driven by secular momentum across retail, commercial, and corp...
Supreme Court has reserved judgment on the AT1 bonds write-down; an adverse ruling could impact capital adequacy and investor confidence.
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