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Yes Bank
Yes Bank (YESBANK) investor relations material
Yes Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary17 Jan, 2026
Executive summary
Net profit for Q3 FY26 reached INR 952 crores, up 55.4% YoY, with operating profit at INR 1,234 crores, and annualized ROA at 0.9%.
Asset quality improved with GNPA at 1.5% and NNPA at 0.3%, both lower YoY.
Retail business achieved breakeven this quarter, expected to contribute significantly to future profitability.
CASA ratio rose to 34.0%, and CET 1 ratio improved to 13.9%.
Un-audited standalone and consolidated financial results for Q3 and nine months ended December 31, 2025, were approved and released, with a limited review by joint statutory auditors who issued unmodified reports.
Financial highlights
Net Interest Income for Q3FY26 was INR 2,466 crores, up 10.9% YoY; Non-Interest Income was INR 1,633 crores, up 8.0% YoY.
NIM for Q3 was 2.6%, up 12 bps QoQ and 24 bps YoY.
Cost-to-income ratio (adjusted) improved to 66% from 71.1% YoY.
Total advances stood at INR 2.57 lakh crores, up 5.2% YoY; total deposits at INR 2.93 lakh crores, up 5.5% YoY.
Provision costs (non-tax) dropped sharply to INR 22 crores, down 91.5% YoY.
Outlook and guidance
Targeting 1% ROA for FY27 and 1.5% in the midterm.
Credit growth for FY26 expected around 8%, with next year’s growth in line with the market.
Guidance to reduce RIDF balances below 5% of total assets by FY27.
No material financial impact is expected from ongoing AT-1 bond litigation, pending Supreme Court verdict.
The bank continues to monitor regulatory changes, including new Labour Codes, and will account for impacts as rules are finalized.
AT-1 bond litigation: Any financial impact?
Labour Codes: Gratuity liability impact?
Retail Banking segment: Address negative results.
What drove retail banking's Q3 breakeven?
Impact of selective retail lending on growth?
Outlook for SR recoveries and credit cost impact
Partial view of Summaries dataset, powered by Quartr API
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Next Yes Bank earnings date
Q4 25/2624 Apr, 2026
Yes Bank
Next Yes Bank earnings date
Q4 25/2624 Apr, 2026
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