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Yes Bank Releases Preliminary Q4 FY26 Financials
Yes Bank has reported preliminary financial results for the quarter and year ending March 31, 2026. The bank showed strong year-on-year growth, with Loans and Advances rising 10.7% to ₹272,454 crore and Deposits increasing 12.1% to ₹318,970 crore.
The bank also reported a CASA Ratio (including Certificates of Deposit) of 35.1% and a Credit to Deposit Ratio of 85.4%. The Liquidity Coverage Ratio (LCR) was a strong 119.0% on a consolidated quarterly average basis, signaling healthy liquidity. These are preliminary figures and are subject to final audit; audited results may differ.
Growth and Liquidity Signal Strength
This reported growth in loans and deposits indicates Yes Bank is expanding its core business and attracting customer funds. The strong LCR demonstrates the bank's capacity to meet short-term obligations.
Recovery Journey Since 2020
Yes Bank has been on a recovery path since its restructuring in 2020. The bank has focused on its balance sheet and profitability. It reported a profit of ₹7,961 crore for the fiscal year ended March 31, 2024. The Reserve Bank of India had to step in and supersede the bank's board in March 2020 due to severe financial distress.
Risks and Peer Comparison
The main risk highlighted is that these financial figures are preliminary and not yet audited. Final audited results could differ from the reported numbers.
In terms of growth, Yes Bank's provisional rates of 12.1% for deposits and 10.7% for loans show a positive trend. However, leading peers like ICICI Bank and Axis Bank reported higher deposit growth (around 19-20%) and loan growth (around 13-19%) in Q3 FY26. HDFC Bank also posted strong loan growth and even higher deposit growth in Q3 FY26. Yes Bank's 119.0% LCR is robust and generally exceeds regulatory requirements.
What to Watch Next
Investors will be tracking the official announcement of the final audited financial results for Q4 FY26 and the full fiscal year. Management commentary on growth drivers and future outlook during the post-results call will also be key. Further monitoring includes the performance of CASA and Net Interest Margins, along with any updates on asset quality trends and provisioning.