Yes Bank's Q4FY15 results were marginally below estimates as the earnings grew by 28.1% YoY (2% QoQ) to Rs 551 mn mainly led by higher provision expenses during the quarter. NII has reported a strong growth of 35.8% YoY (7.5% QoQ) to Rs 9.8 bn. Advances growth was higher than expected (35.8% YoY and 13.4% QoQ) whereas NIMs remained stable at 3.2%.