Yes Bank Q1 FY27 Results: PAT Rises 34% YoY, NII Grows 18%
Yes Bank reported strong Q1 FY27 earnings with higher net profit, double-digit NII growth and stable asset quality, although the CASA ratio declined sequentially while return on assets softened slightly.
Yes Bank Q1 Results 2027: Yes Bank delivered a healthy Q1 FY27 performance, with PAT rising 34% YoY to ₹1,071 crore and NII growing 18% YoY to ₹2,786 crore. Asset quality remained stable, while operating profit increased 25%. However, the CASA ratio declined sequentially and ROA moderated slightly.
Yes Bank Q1 Results FY2027: On 18 July, Yes Bank reported a healthy performance for the first quarter of FY27. Net Interest Income (NII) increased 17.50% year-on-year to ₹2,786.46 crore, while Profit After Tax (PAT) rose 33.70% YoY to ₹1,070.99 crore.
The bank also maintained stable asset quality, with Gross and Net NPAs remaining at multi-quarter lows. Here's a detailed breakdown of Yes Bank's Q1 FY27 results.
Yes Bank Q1 FY2027 Results Highlights (STANDALONE )
-
Total Income stood at ₹9,842.26 crore in Q1 FY27, registering a 5.29% YoY increase from ₹9,348.11 crore in Q1 FY26. Total income increased 4.92% from Q4 FY26.
-
Net Interest Income (NII) increased to ₹2,786.46 crore, up 17.50% YoY from ₹2,371.47 crore. Compared with ₹2,637.70 crore in Q4 FY26, NII grew 5.64% QoQ.
-
Pre-Provision Operating Profit (PPOP) stood at ₹1,703.97 crore, registering 25.47% YoY growth from ₹1,358.04 crore. On a quarterly basis, PPOP increased 5.30% from ₹1,618.24 crore.
-
Operating Profit Margin improved to 17.31%, compared with 14.53% in Q1 FY26 and 17.25% in Q4 FY26, expanding 278 basis points YoY and 6 basis points QoQ.
-
Profit After Tax (PAT) stood at ₹1,070.99 crore, registering 33.70% YoY growth from ₹801.07 crore. Compared with ₹1,068.42 crore in Q4 FY26, PAT increased 0.24% QoQ.
-
Net Interest Margin (NIM) remained stable at 2.70%, unchanged from Q4 FY26 and improving from 2.50% in Q1 FY26.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (₹ Cr) |
9,842.26 |
9,381.07 |
4.92% |
9,348.11 |
5.29% |
|
Net Interest Income (₹ Cr) |
2,786.46 |
2,637.70 |
5.64% |
2,371.47 |
17.50% |
|
Operating Profit (PPOP) (₹ Cr) |
1,703.97 |
1,618.24 |
5.30% |
1,358.04 |
25.47% |
|
Operating Profit Margin |
17.31% |
17.25% |
+6 bps |
14.53% |
+278 bps |
|
Profit After Tax (₹ Cr) |
1,070.99 |
1,068.42 |
0.24% |
801.07 |
33.70% |
|
Gross NPA (%) |
1.30% |
1.30% |
0 bps |
1.60% |
-30 bps |
|
Net NPA (%) |
0.20% |
0.20% |
0 bps |
0.30% |
-10 bps |
|
CASA Ratio (%) |
32.70% |
35.10% |
-240 bps |
32.80% |
-10 bps |
|
ROA (%) |
0.90% |
1.00% |
-10 bps |
0.80% |
+10 bps |
|
ROE (%) |
8.30% |
8.40% |
-10 bps |
6.60% |
+170 bps |
|
NIM (%) |
2.70% |
2.70% |
Flat |
2.50% |
+20 bps |
|
EPS (₹) |
0.34 |
0.34 |
0.00% |
0.26 |
30.77% |
Source: Yes Bank Q1 FY27 Investor Presentation and Consolidated Financial Results.
Yes Bank Q1 FY27 Segment-wise Revenue (CONSOLIDATED )
Retail Banking remained the bank's largest revenue contributor during the quarter, followed by Corporate Banking and Treasury. Corporate and Retail Banking delivered healthy year-on-year growth, while Treasury income declined on an annual basis.
|
Particulars (₹ Cr) |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Treasury |
2,135.10 |
1,909.50 |
11.81% |
2,388.22 |
-10.60% |
|
Corporate Banking |
3,370.04 |
3,204.11 |
5.18% |
3,010.78 |
11.93% |
|
Retail Banking |
4,046.71 |
3,934.80 |
2.84% |
3,842.68 |
5.31% |
|
Other Banking Operations |
257.04 |
402.71 |
-36.17% |
245.81 |
4.57% |
|
Unallocated |
119.51 |
17.26 |
592.41% |
-3.02 |
NM |
|
Gross Segment Revenue |
9,928.40 |
9,468.38 |
4.86% |
9,484.47 |
4.68% |
|
Less: Inter-segment Revenue |
-3.41 |
9.76 |
-134.94% |
-55.30 |
-93.83% |
|
Total Income |
9,931.81 |
9,458.62 |
5.00% |
9,539.77 |
4.11% |
Source: Yes Bank Q1 FY27 Segment Information.
Yes Bank Share Price Today
As of 17 July, 3:30 PM
The stock closed at 23.21 and -0.59% higher on 17 July 2026 .The stock is up 9.49% year-to-date and up for 16.83% over the last one year.
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