YES Bank announced Q1FY26 results Q1FY26 NII at Rs 2,371 crore up 5.7% YoY and 4.2% QoQ aided by reduction in Cost of Funds. NIM for Q1FY26 at 2.5% trending upward YoY, supported by reduction in deposits made in lieu of PSL shortfall and SA rate cut reduction, partially offset by repricing impact. Non-Interest Income at Rs 1,752 crore, up 46.1% YoY (aided by Treasury Income) and 0.7% QoQ. Operating Costs at Rs 2,766 crore up 8.1% YoY and 2.4% QoQ. Excl. PSLC cost, Opex up 5.7% YoY and 1.3 % QoQ. Provision Costs (Non-Tax) at Rs 284 crore for Q1FY26 up ~34% YoY but lower 10.7% QoQ. Operating Profit for Q1FY26 at Rs 1,358 crore up 53.4% YoY & 3.3% QoQ. Net Profit for Q1FY26 at Rs 801 crore up 59.4% YoY & 8.5% QoQ. Q1FY26 RoA at 0.8% v/s 0.5% in Q1FY25 & 0.7% in Q4FY25. Net Advances at Rs 2,41,024 Cr, registered growth of 5.0% YoY. Granular/ Diversified loan book – Cumulative Share of Retail Banking Segment & Commercial Banking Segment at ~74%. Micro Enterprise Banking segment which is now part of Retail Banking Segment up 11.2% YoY. Commercial Banking Advances up 19.0%. C/D ratio at 87.4% v/s 86.5% in Q4FY25 and 86.6% in Q1FY25. Total Deposits at Rs 275,843 Cr grew 4.1% YoY, with continued focus on granular, low-cost deposits with healthy CASA Ratio. CASA Ratio at 32.8% v/s 30.8% in Q1FY25 up 200bps. Retail CASA Accounts opened: ~251K in Q1FY26. Retail and Small Business Deposits (Gross LCR Definition) grew 9% YoY. CASA + Retail TDs at 65.5% v/s 64.4% in Q4FY25 v/s 57.6% in Q1FY25. Average Quarterly LCR during the quarter remains healthy at 135.8%; LCR as on June 30, 2025 at 129.7%. CET I Ratio further improved to ~14.0% v/s 13.3% in Q1FY25 and 13.5% in Q4FY25. RWA to Total Assets at 72.7% v/s 71.3 % in Q4FY25 and 70.3% in Q1FY25. Deposits made in lieu of prior period PSL shortfalls at Rs 36,799 crore - lower ~16% YoY; correspondingly Borrowings down 16.9% YoY. GNPA Ratio at 1.6% in Q1FY26 flat QoQ and down 10 bps YoY. NNPA Ratio at 0.3% in Q1FY26 flat QoQ and down 20 bps YoY. PCR at 80.2% in Q1FY26 v/s 79.7% in Q4FY25 and 67.6% in Q1FY25. Gross Slippages for Q1FY26 at Rs 1,458 crore (2.4% of Advances) v/s Rs 1,223 crore (2.0% of Advances) in Q4FY25. Slippages Net of Recoveries and Upgrades in Q1FY26 at Rs 805 crore v/s Rs 696 crore last quarter. Gross Slippages (excl Slipped and Recovered in the same quarter) for Q1FY26 at Rs 1,309 crore (2.2% of Advances) v/s Rs 1,161 crore (1.9% of Advances) in Q4FY25. Resolution momentum continues to be strong with Total Recoveries & Upgrades for Q1FY26 at Rs 1,170 crore. Prashant Kumar, Managing Director & CEO, YES BANK said: “The Bank entered the new financial year on a strong footing and delivered a robust performance with net profit rising to Rs 801 crore, marking a 59.4% YoY growth. Key metrics such as RoA (0.8%), PPoP (Rs 1,358 crore), and NIM (2.5%) showed notable improvement. Asset quality remained stable, CASA witnessed healthy growth, and CET1 strengthened to 14.0%. Other key highlights of the quarter were i) Credit rating upgrades from Moody’s, ICRA, and CARE underscore the Bank’s solid fundamentals and accelerating growth momentum ii) Sumitomo Mitsui Corporation Bank (SMBC) entered into definitive agreement to acquire ~20% equity stake in YESBANK from SBI & Other Banks. Result PDF