Yes Bank Q1FY27 Net Profit Surges 33.7% YoY to ₹1,071 Crore; NIM Improves
Yes Bank reported Q1FY27 net profit of ₹1,071 Crore, up 33.7% YoY. NIM improved to 2.7%, and Cost to Income ratio decreased to 62.8%. Advances grew 18.3% YoY to ₹2.85 Lakh Crore, and deposits rose 14.3% YoY to ₹3.15 Lakh Crore. GNPA ratio stood at 1.3%. The bank received credit rating upgrades from Moody's, CARE, and ICRA.
The announcement includes strong financial performance metrics, significant year-on-year growth, improvements in key ratios like NIM and asset quality, and positive credit rating actions, all of which are material factors for investors and the market.
The bank's financial results show strong year-on-year growth in net profit, net interest income, and advances, coupled with an improvement in NIM and asset quality. Credit rating upgrades further bolster the positive sentiment.
Yes Bank Limited (the Bank) has announced its Un-Audited Standalone and Consolidated Financial Results for the Quarter (Q1) ended June 30, 2026. The bank reported a Net Profit of ₹1,071 Crore for Q1FY27, marking a significant year-on-year growth of 33.7% and a marginal 0.2% growth quarter-on-quarter.
The Net Interest Income (NII) for Q1FY27 stood at ₹2,786 Crore, an increase of 17.5% year-on-year and 5.6% quarter-on-quarter. The Net Interest Margin (NIM) improved by 20 basis points year-on-year to 2.7%, supported by a lower cost of deposits. The cost of funds was 5.7%, down 60 bps year-on-year.
Non-Interest Income was reported at ₹1,798 Crore, a growth of 2.6% year-on-year and 3.9% quarter-on-quarter. Core Fee income grew by 18.7% year-on-year. The Cost to Income Ratio improved to 62.8% from 67.1% in Q1FY26, reflecting enhanced operational efficiency.
The bank witnessed robust balance sheet growth, with advances increasing by 18.3% year-on-year to ₹2,85,118 Crore and total deposits growing by 14.3% year-on-year to ₹3,15,373 Crore. Retail and Branch-led Deposits constituted 59.2% of total deposits.
Asset quality showed significant improvement, with the Gross Non-Performing Asset (GNPA) ratio at 1.3% and the Net Non-Performing Asset (NNPA) ratio at 0.2%. Retail slippages were at their lowest in the past 10 quarters.
Yes Bank also received credit rating upgrades from Moody's (Ba1), CARE (AA+), and ICRA (AA), and an inaugural rating from S&P Global (BB+). The bank was also recognized for its ESG leadership, being included in the FTSE4Good Index for the fourth consecutive year and winning the ‘Most Sustainable Bank’ award.
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Yes Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Yes Bank Limited. Read the original for the full detail.