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Yes Bank Ltd

Q4 FY26Banks

Yes Bank Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management said on revenue, margins and capex.

Price₹23
Market cap₹72.1K Cr
P/E19.1
Updated23 Aug 2026
Read3 min read

The short version

YES Bank aims to achieve loan book growth in line with or above the industry average, targeting 13-15% growth annually. YES Bank aims to sustain and improve core Return on Assets (ROA) beyond 1%, targeting a 25-30 basis points improvement from the core business.

From Yes Bank Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • YES Bank aims to achieve loan book growth in line with or above the industry average, targeting 13-15% growth annually.
  • Retail lending growth is expected at around 10-11% next year, while corporate loans could grow at about 20%.
  • Commercial banking segment is projected to grow at approximately 18%.
  • The bank plans to sustain and improve its ROA beyond 1%, targeting 25-50 basis points improvement through net interest margin enhancement, cost discipline, and credit cost containment.
  • Deposit growth remains strong, with CASA balances growing around 11% year-on-year and total deposits increasing 12.1% YoY.

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Profitability & Margins

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Capital Expenditure Plans

  • YES Bank plans to continue investing steadily across four basic areas: people, products, processes, and technology platforms to strengthen the Bank over time.
  • The Bank aims to build a future-ready institution with strong resilience through these investments.
  • There is an ongoing focus on modern technology platforms and leadership in the digital payments ecosystem, supporting growth and customer experience.
  • Collaboration with SMBC provides strategic support, especially in Corporate and cross-border banking, which may involve strategic investments.

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Ranked on what management guided this quarter

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3
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4
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5
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Yes Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

See what Yes Bank Ltd said on order book & pipeline — free account, 30 seconds.

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What Yes Bank's management said in earlier quarters

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Frequently Asked Questions

What were Yes Bank Ltd Q4 FY26 results?

YES Bank aims to achieve loan book growth in line with or above the industry average, targeting 13-15% growth annually. YES Bank aims to sustain and improve core Return on Assets (ROA) beyond 1%, targeting a 25-30 basis points improvement from the core business.

What is Yes Bank Ltd share price analysis?

Yes Bank Ltd currently shows a neutral. The stock trades at a P/E of 19.1 with a market cap of ₹72,097 Cr. Investors should review the full earnings analysis for detailed insights.

Is Yes Bank Ltd planning capital expenditure?

YES Bank plans to continue investing steadily across four basic areas: people, products, processes, and technology platforms to strengthen the Bank over time.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.