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18-Jan-2026

Yes Bank

Asset quality and margins improve, loan growth eases


'Yes Bank has reported 55% growth in net profit at Rs 951.62 crore for the quarter ended December 2025 (Q3FY2026). Net Interest Income (NII) increased 11% while the core fee income of the bank also improved 12% in Q3FY2026. The Net Interest Margin (NIM) of the bank moved up to 2.60% in Q3FY2026 compared to 2.40% in the corresponding quarter of previous year.

On business front, the business growth moderated to 5% at end December 2025 from 7% at end September 2025, as the loan book growth eased to 5%. However, the CASA ratio of the bank has increased to 34.0% at end December 2025 from 33.1% at end December 2024.

NII growth improves as NIM rises: Interest income declined 4% to Rs 7543.22 crore, while interest expenses dipped 9% to Rs 5077.62 crore in Q3FY2026. NII improved 11% to Rs 2465.60 crore in Q3FY2026.

Margins improve: The bank has shown 50 bps YoY decline in cost of deposits to 5.60%, while yield on advances decline...



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